{"id":64,"date":"2024-11-13T17:05:51","date_gmt":"2024-11-13T09:05:51","guid":{"rendered":"https:\/\/sanleeh.com.tw\/posts\/?p=64"},"modified":"2024-11-13T17:15:21","modified_gmt":"2024-11-13T09:15:21","slug":"%e5%88%a9%e7%8e%87%e5%85%a8%e9%9d%a2%e8%a7%a3%e6%9e%90%ef%bc%9a%e5%b9%b4%e5%88%a9%e7%8e%87%e3%80%81%e6%9c%88%e5%88%a9%e7%8e%87%e3%80%81%e6%97%a5%e5%88%a9%e7%8e%87%e3%80%81%e6%b5%ae%e5%8b%95%e5%88%a9","status":"publish","type":"post","link":"https:\/\/yongchao.com.tw\/posts\/?p=64","title":{"rendered":"\u5229\u7387\u5168\u9762\u89e3\u6790\uff1a\u5e74\u5229\u7387\u3001\u6708\u5229\u7387\u3001\u65e5\u5229\u7387\u3001\u6d6e\u52d5\u5229\u7387\u8207\u56fa\u5b9a\u5229\u7387"},"content":{"rendered":"\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>\u5728\u9078\u64c7\u8cb8\u6b3e\u6642\uff0c\u5229\u7387\u662f\u975e\u5e38\u95dc\u9375\u7684\u8003\u91cf\u56e0\u7d20\u4e4b\u4e00\u3002\u4e0d\u540c\u7684\u5229\u7387\u8a08\u7b97\u65b9\u5f0f\uff0c\u5c07\u76f4\u63a5\u5f71\u97ff\u5230\u8cb8\u6b3e\u7684\u7e3d\u6210\u672c\u4ee5\u53ca\u6bcf\u6708\u7684\u9084\u6b3e\u58d3\u529b\u3002\u672c\u7bc7\u6587\u7ae0\u5c07\u70ba\u60a8\u5168\u9762\u4ecb\u7d39\u5404\u7a2e\u5229\u7387\u7684\u5b9a\u7fa9\u53ca\u5176\u9069\u7528\u60c5\u5883\uff0c\u5305\u62ec\u5e74\u5229\u7387\u3001\u6708\u5229\u7387\u3001\u65e5\u5229\u7387\u3001\u6d6e\u52d5\u5229\u7387\u8207\u56fa\u5b9a\u5229\u7387\uff0c\u5e6b\u52a9\u60a8\u66f4\u6e05\u6670\u5730\u4e86\u89e3\u5229\u7387\u7684\u904b\u4f5c\uff0c\u505a\u51fa\u66f4\u660e\u667a\u7684\u8ca1\u52d9\u6c7a\u7b56\u3002<\/p>\n<\/blockquote>\n\n\n\n<h2 class=\"wp-block-heading\">1. \u5e74\u5229\u7387\uff08APR\uff09<\/h2>\n\n\n\n<p><strong>\u5e74\u5229\u7387\uff08Annual Percentage Rate, APR\uff09<\/strong> \u662f\u8cb8\u6b3e\u4e2d\u6700\u5e38\u898b\u7684\u5229\u7387\u985e\u578b\u4e4b\u4e00\u3002\u5b83\u8868\u793a\u4e00\u5e74\u5167\u61c9\u652f\u4ed8\u7684\u7e3d\u5229\u606f\u6bd4\u4f8b\uff0c\u5305\u542b\u4e86\u6240\u6709\u8cbb\u7528\u548c\u624b\u7e8c\u8cbb\uff0c\u56e0\u6b64\u66f4\u80fd\u53cd\u6620\u8cb8\u6b3e\u7684\u5be6\u969b\u6210\u672c\u3002\u5e74\u5229\u7387\u9069\u5408\u7528\u65bc\u4e86\u89e3\u6574\u9ad4\u8cb8\u6b3e\u6210\u672c\uff0c\u7279\u5225\u662f\u5728\u6bd4\u8f03\u4e0d\u540c\u8cb8\u6b3e\u7522\u54c1\u6642\u3002<\/p>\n\n\n\n<p><strong>\u9069\u7528\u60c5\u5883\uff1a<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u9577\u671f\u8cb8\u6b3e\uff0c\u5982\u623f\u5c4b\u8cb8\u6b3e\u548c\u4f01\u696d\u8cb8\u6b3e\u3002<\/li>\n\n\n\n<li>\u6bd4\u8f03\u4e0d\u540c\u8cb8\u6b3e\u7522\u54c1\u7684\u7e3d\u6210\u672c\u3002<\/li>\n<\/ul>\n\n\n\n<p><strong>\u512a\u9ede\u8207\u7f3a\u9ede\uff1a<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u512a\u9ede\uff1a<\/strong> \u5e74\u5229\u7387\u5305\u542b\u4e86\u624b\u7e8c\u8cbb\u548c\u5176\u4ed6\u8cbb\u7528\uff0c\u8b93\u60a8\u66f4\u5168\u9762\u4e86\u89e3\u8cb8\u6b3e\u6210\u672c\u3002<\/li>\n\n\n\n<li><strong>\u7f3a\u9ede\uff1a<\/strong> \u56e0\u5305\u542b\u591a\u7a2e\u8cbb\u7528\uff0c\u5e74\u5229\u7387\u901a\u5e38\u6703\u9ad8\u65bc\u55ae\u7d14\u7684\u540d\u76ee\u5229\u7387\u3002<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">2. \u6708\u5229\u7387<\/h2>\n\n\n\n<p><strong>\u6708\u5229\u7387<\/strong> \u662f\u6307\u6bcf\u6708\u8a08\u7b97\u4e26\u652f\u4ed8\u7684\u5229\u606f\u6bd4\u4f8b\u3002\u6708\u5229\u7387\u4e3b\u8981\u9069\u7528\u65bc\u77ed\u671f\u8cb8\u6b3e\u6216\u9748\u6d3b\u8cb8\u6b3e\u65b9\u6848\uff0c\u5e38\u898b\u65bc\u4fe1\u7528\u5361\u548c\u77ed\u671f\u500b\u4eba\u8cb8\u6b3e\u3002\u6708\u5229\u7387\u53ef\u4ee5\u5e6b\u52a9\u501f\u6b3e\u4eba\u4e86\u89e3\u6bcf\u6708\u9700\u8981\u652f\u4ed8\u7684\u5229\u606f\u8ca0\u64d4\uff0c\u9069\u5408\u60f3\u8981\u4e86\u89e3\u77ed\u671f\u9084\u6b3e\u58d3\u529b\u7684\u501f\u6b3e\u4eba\u3002<\/p>\n\n\n\n<p><strong>\u9069\u7528\u60c5\u5883\uff1a<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u77ed\u671f\u500b\u4eba\u8cb8\u6b3e\uff0c\u5982\u5c0f\u984d\u501f\u6b3e\u6216\u4fe1\u7528\u5361\u5faa\u74b0\u5229\u606f\u3002<\/li>\n\n\n\n<li>\u60f3\u4e86\u89e3\u6bcf\u6708\u9084\u6b3e\u91d1\u984d\u7684\u8cb8\u6b3e\u3002<\/li>\n<\/ul>\n\n\n\n<p><strong>\u512a\u9ede\u8207\u7f3a\u9ede\uff1a<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u512a\u9ede\uff1a<\/strong> \u6613\u65bc\u7406\u89e3\u6bcf\u6708\u7684\u9084\u6b3e\u58d3\u529b\uff0c\u4fbf\u65bc\u7ba1\u7406\u77ed\u671f\u8ca1\u52d9\u3002<\/li>\n\n\n\n<li><strong>\u7f3a\u9ede\uff1a<\/strong> \u53ea\u8003\u616e\u6bcf\u6708\u5229\u606f\uff0c\u7121\u6cd5\u63d0\u4f9b\u6574\u9ad4\u8cb8\u6b3e\u6210\u672c\u7684\u5168\u8c8c\u3002<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">3. \u65e5\u5229\u7387<\/h2>\n\n\n\n<p><strong>\u65e5\u5229\u7387<\/strong> \u662f\u4ee5\u5929\u70ba\u55ae\u4f4d\u8a08\u7b97\u7684\u5229\u7387\uff0c\u901a\u5e38\u7528\u65bc\u975e\u5e38\u77ed\u671f\u7684\u8cc7\u91d1\u501f\u8cb8\uff0c\u4f8b\u5982\u81e8\u6642\u5468\u8f49\u9700\u6c42\u6216\u904e\u6a4b\u8cb8\u6b3e\u3002\u65e5\u5229\u7387\u7684\u512a\u52e2\u5728\u65bc\u9748\u6d3b\u6027\uff0c\u53ef\u4ee5\u7cbe\u78ba\u5230\u6bcf\u4e00\u5929\u7684\u5229\u606f\u6210\u672c\uff0c\u9069\u5408\u9700\u8981\u5feb\u901f\u501f\u6b3e\u4e14\u77ed\u671f\u5167\u511f\u9084\u7684\u60c5\u6cc1\u3002<\/p>\n\n\n\n<p><strong>\u9069\u7528\u60c5\u5883\uff1a<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u77ed\u671f\u5468\u8f49\u501f\u6b3e\uff0c\u5982\u81e8\u6642\u8cc7\u91d1\u9700\u6c42\u3002<\/li>\n\n\n\n<li>\u77ed\u671f\u61c9\u6025\u8cb8\u6b3e\uff0c\u4f8b\u5982\u904e\u6a4b\u8cb8\u6b3e\u3002<\/li>\n<\/ul>\n\n\n\n<p><strong>\u512a\u9ede\u8207\u7f3a\u9ede\uff1a<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u512a\u9ede\uff1a<\/strong> \u7cbe\u78ba\u5230\u6bcf\u5929\u7684\u5229\u606f\u8a08\u7b97\uff0c\u9069\u5408\u77ed\u671f\u8cc7\u91d1\u9700\u6c42\u3002<\/li>\n\n\n\n<li><strong>\u7f3a\u9ede\uff1a<\/strong> \u65e5\u5229\u7387\u770b\u4f3c\u8f03\u4f4e\uff0c\u4f46\u82e5\u4e0d\u511f\u9084\u8fc5\u901f\uff0c\u7d2f\u7a4d\u7684\u5229\u606f\u6210\u672c\u53ef\u80fd\u76f8\u7576\u9ad8\u3002<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">4. \u6d6e\u52d5\u5229\u7387<\/h2>\n\n\n\n<p><strong>\u6d6e\u52d5\u5229\u7387<\/strong> \u662f\u96a8\u5e02\u5834\u5229\u7387\u6ce2\u52d5\u800c\u6539\u8b8a\u7684\u5229\u7387\u985e\u578b\u3002\u6d6e\u52d5\u5229\u7387\u901a\u5e38\u8207\u57fa\u6e96\u5229\u7387\u639b\u9264\uff0c\u96a8\u8457\u5e02\u5834\u60c5\u6cc1\u4e0a\u4e0b\u6ce2\u52d5\u3002\u9019\u610f\u5473\u8457\u501f\u6b3e\u4eba\u5728\u9084\u6b3e\u671f\u9593\uff0c\u53ef\u80fd\u9762\u81e8\u5229\u7387\u4e0a\u5347\u6216\u4e0b\u964d\u7684\u98a8\u96aa\u3002\u6d6e\u52d5\u5229\u7387\u9069\u5408\u65bc\u5c0d\u5229\u7387\u8d70\u52e2\u6709\u4e00\u5b9a\u628a\u63e1\uff0c\u4e26\u5e0c\u671b\u5728\u5229\u7387\u4e0b\u964d\u6642\u7372\u5229\u7684\u501f\u6b3e\u4eba\u3002<\/p>\n\n\n\n<p><strong>\u9069\u7528\u60c5\u5883\uff1a<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u5e02\u5834\u5229\u7387\u53ef\u80fd\u4e0b\u964d\u7684\u60c5\u6cc1\u4e0b\uff0c\u5982\u8cfc\u623f\u8005\u8a8d\u70ba\u672a\u4f86\u5229\u7387\u6703\u964d\u4f4e\u3002<\/li>\n\n\n\n<li>\u4f01\u696d\u8cb8\u6b3e\uff0c\u9069\u7528\u65bc\u7d93\u6fdf\u74b0\u5883\u6ce2\u52d5\u8f03\u5927\u6642\u3002<\/li>\n<\/ul>\n\n\n\n<p><strong>\u512a\u9ede\u8207\u7f3a\u9ede\uff1a<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u512a\u9ede\uff1a<\/strong> \u5982\u679c\u5e02\u5834\u5229\u7387\u4e0b\u964d\uff0c\u6d6e\u52d5\u5229\u7387\u8cb8\u6b3e\u8005\u53ef\u4eab\u53d7\u66f4\u4f4e\u7684\u5229\u606f\u6210\u672c\u3002<\/li>\n\n\n\n<li><strong>\u7f3a\u9ede\uff1a<\/strong> \u5229\u7387\u5177\u6709\u4e0d\u78ba\u5b9a\u6027\uff0c\u53ef\u80fd\u56e0\u5e02\u5834\u8b8a\u5316\u800c\u589e\u52a0\uff0c\u5c0e\u81f4\u9084\u6b3e\u58d3\u529b\u52a0\u5927\u3002<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">5. \u56fa\u5b9a\u5229\u7387<\/h2>\n\n\n\n<p><strong>\u56fa\u5b9a\u5229\u7387<\/strong> \u662f\u5728\u6574\u500b\u8cb8\u6b3e\u671f\u9593\u5167\u4fdd\u6301\u4e0d\u8b8a\u7684\u5229\u7387\u3002\u7121\u8ad6\u5e02\u5834\u5982\u4f55\u6ce2\u52d5\uff0c\u501f\u6b3e\u4eba\u7684\u5229\u7387\u548c\u6bcf\u6708\u9084\u6b3e\u91d1\u984d\u90fd\u4e0d\u6703\u6539\u8b8a\uff0c\u9019\u4f7f\u5f97\u56fa\u5b9a\u5229\u7387\u975e\u5e38\u9069\u5408\u90a3\u4e9b\u5e0c\u671b\u7a69\u5b9a\u9810\u7b97\u4e26\u907f\u514d\u5e02\u5834\u98a8\u96aa\u7684\u501f\u6b3e\u4eba\u3002<\/p>\n\n\n\n<p><strong>\u9069\u7528\u60c5\u5883\uff1a<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u5e0c\u671b\u4fdd\u6301\u9084\u6b3e\u7a69\u5b9a\uff0c\u7121\u9700\u627f\u64d4\u5e02\u5834\u5229\u7387\u6ce2\u52d5\u98a8\u96aa\u7684\u501f\u6b3e\u8005\u3002<\/li>\n\n\n\n<li>\u9577\u671f\u8cb8\u6b3e\uff0c\u4f8b\u5982\u623f\u5c4b\u8cb8\u6b3e\uff0c\u9069\u5408\u8a08\u5283\u9577\u671f\u56fa\u5b9a\u9810\u7b97\u7684\u5bb6\u5ead\u3002<\/li>\n<\/ul>\n\n\n\n<p><strong>\u512a\u9ede\u8207\u7f3a\u9ede\uff1a<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u512a\u9ede\uff1a<\/strong> \u5229\u7387\u56fa\u5b9a\uff0c\u9084\u6b3e\u91d1\u984d\u4e0d\u8b8a\uff0c\u6709\u52a9\u65bc\u8ca1\u52d9\u8a08\u5283\u548c\u9810\u7b97\u7ba1\u7406\u3002<\/li>\n\n\n\n<li><strong>\u7f3a\u9ede\uff1a<\/strong> 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