{"id":124,"date":"2025-02-24T15:13:42","date_gmt":"2025-02-24T07:13:42","guid":{"rendered":"https:\/\/97888.com.tw\/posts\/?p=124"},"modified":"2025-02-24T15:13:43","modified_gmt":"2025-02-24T07:13:43","slug":"%e6%83%b3%e9%a0%86%e5%88%a9%e8%b2%b8%e6%ac%be%ef%bc%9f%e5%bf%85%e7%9c%8b%e6%a2%9d%e4%bb%b6%e8%88%87%e4%bf%a1%e7%94%a8%e8%a9%95%e5%88%86%e7%a7%98%e8%a8%a3%ef%bc%81","status":"publish","type":"post","link":"https:\/\/97888.com.tw\/posts\/?p=124","title":{"rendered":"\u60f3\u9806\u5229\u8cb8\u6b3e\uff1f\u5fc5\u770b\u689d\u4ef6\u8207\u4fe1\u7528\u8a55\u5206\u79d8\u8a23\uff01"},"content":{"rendered":"\n<p>\u5728\u7533\u8acb\u8cb8\u6b3e\u4e4b\u524d\uff0c\u4e86\u89e3\u8cb8\u6b3e\u689d\u4ef6\u548c\u8a55\u5206\u6a19\u6e96\u5c0d\u65bc\u63d0\u9ad8\u7533\u8acb\u6210\u529f\u7387\u81f3\u95dc\u91cd\u8981\u3002\u8cb8\u6b3e\u689d\u4ef6\u78ba\u5b9a\u4e86\u60a8\u662f\u5426\u7b26\u5408\u8cc7\u683c\uff0c\u800c\u8a55\u5206\u5247\u5f71\u97ff\u60a8\u80fd\u7372\u5f97\u7684\u5229\u7387\u548c\u689d\u4ef6\u3002\u672c\u6587\u5c07\u70ba\u60a8\u8a73\u7d30\u4ecb\u7d39\u8cb8\u6b3e\u7533\u8acb\u7684\u689d\u4ef6\u4ee5\u53ca\u8a55\u5206\u7684\u91cd\u8981\u6027\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">1. \u8cb8\u6b3e\u689d\u4ef6\uff1a\u54ea\u4e9b\u56e0\u7d20\u6703\u5f71\u97ff\u60a8\u7684\u8cc7\u683c\uff1f<\/h2>\n\n\n\n<p>\u6bcf\u500b\u8cb8\u6b3e\u6a5f\u69cb\u5c0d\u501f\u6b3e\u4eba\u90fd\u6709\u4e00\u5957\u57fa\u672c\u689d\u4ef6\uff0c\u4ee5\u4e0b\u662f\u4e00\u4e9b\u4e3b\u8981\u8003\u91cf\u56e0\u7d20\uff1a<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">1.1 \u6536\u5165\u8b49\u660e<\/h3>\n\n\n\n<p>\u7a69\u5b9a\u7684\u6536\u5165\u662f\u8cb8\u6b3e\u7533\u8acb\u7684\u57fa\u790e\u689d\u4ef6\u4e4b\u4e00\uff0c\u8cb8\u6b3e\u6a5f\u69cb\u9700\u8981\u78ba\u8a8d\u60a8\u6709\u8db3\u5920\u7684\u6536\u5165\u4f86\u511f\u9084\u8cb8\u6b3e\u3002<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u85aa\u8cc7\u6536\u5165<\/strong>\uff1a\u901a\u5e38\u9700\u8981\u63d0\u4ea4\u6700\u8fd1 3-6 \u500b\u6708\u7684\u85aa\u8cc7\u55ae\u6216\u7a05\u52d9\u5831\u544a\u3002<\/li>\n\n\n\n<li><strong>\u81ea\u71df\u8077\u696d\u8005<\/strong>\uff1a\u9700\u8981\u63d0\u4f9b\u9280\u884c\u5c0d\u5e33\u55ae\u3001\u8ca1\u52d9\u5831\u8868\u6216\u7a05\u52d9\u7533\u5831\u6587\u4ef6\u4f5c\u70ba\u6536\u5165\u8b49\u660e\u3002<\/li>\n\n\n\n<li><strong>\u984d\u5916\u6536\u5165<\/strong>\uff1a\u5982\u79df\u91d1\u3001\u6295\u8cc7\u6536\u76ca\u7b49\uff0c\u4e5f\u53ef\u4ee5\u63d0\u9ad8\u8cb8\u6b3e\u6210\u529f\u7684\u6a5f\u6703\u3002<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">1.2 \u5c31\u696d\u7a69\u5b9a\u6027<\/h3>\n\n\n\n<p>\u8cb8\u6b3e\u6a5f\u69cb\u504f\u597d\u90a3\u4e9b\u64c1\u6709\u7a69\u5b9a\u5c31\u696d\u7684\u4eba\uff0c\u56e0\u70ba\u9019\u610f\u5473\u8457\u7a69\u5b9a\u7684\u9084\u6b3e\u80fd\u529b\u3002<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u5c31\u696d\u6642\u9593\u9577\u77ed<\/strong>\uff1a\u901a\u5e38\u8981\u6c42\u81f3\u5c11\u6709 6-12 \u500b\u6708\u7684\u5de5\u4f5c\u7a69\u5b9a\u6027\u3002<\/li>\n\n\n\n<li><strong>\u96c7\u4e3b\u80cc\u666f<\/strong>\uff1a\u77e5\u540d\u4f01\u696d\u7684\u96c7\u54e1\u53ef\u80fd\u66f4\u5bb9\u6613\u7372\u5f97\u6279\u51c6\u3002<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">1.3 \u8ca0\u50b5\u6bd4\u4f8b<\/h3>\n\n\n\n<p>\u8ca0\u50b5\u6bd4\u4f8b\u662f\u6307\u60a8\u7684\u6bcf\u6708\u50b5\u52d9\u652f\u4ed8\u5360\u6708\u6536\u5165\u7684\u6bd4\u4f8b\uff08Debt-to-Income Ratio, DTI\uff09\u3002<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u4e00\u822c\u8981\u6c42<\/strong>\uff1a\u591a\u6578\u8cb8\u6b3e\u6a5f\u69cb\u504f\u597d DTI \u4f4e\u65bc 40%\u3002<\/li>\n\n\n\n<li><strong>\u5982\u4f55\u8a08\u7b97<\/strong>\uff1a\u5c07\u6bcf\u6708\u50b5\u52d9\u652f\u51fa\u9664\u4ee5\u6708\u6536\u5165\uff0c\u5f97\u51fa\u7684\u767e\u5206\u6bd4\u5373\u70ba DTI\u3002<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">1.4 \u64d4\u4fdd\u54c1<\/h3>\n\n\n\n<p>\u67d0\u4e9b\u985e\u578b\u7684\u8cb8\u6b3e\uff08\u5982\u623f\u5c4b\u8cb8\u6b3e\u6216\u6c7d\u8eca\u8cb8\u6b3e\uff09\u9700\u8981\u64d4\u4fdd\u54c1\u4f5c\u70ba\u98a8\u96aa\u7de9\u89e3\u3002<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u623f\u5c4b\u6216\u571f\u5730<\/strong>\uff1a\u5e38\u7528\u65bc\u62b5\u62bc\u8cb8\u6b3e\u3002<\/li>\n\n\n\n<li><strong>\u6c7d\u8eca<\/strong>\uff1a\u53ef\u4f5c\u70ba\u8eca\u8cb8\u7684\u62b5\u62bc\u7269\u3002<\/li>\n\n\n\n<li><strong>\u7121\u64d4\u4fdd\u8cb8\u6b3e<\/strong>\uff1a\u5982\u4fe1\u7528\u8cb8\u6b3e\uff0c\u4e0d\u9700\u8981\u64d4\u4fdd\u54c1\uff0c\u4f46\u5229\u7387\u53ef\u80fd\u8f03\u9ad8\u3002<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">1.5 \u4fe1\u7528\u6b77\u53f2<\/h3>\n\n\n\n<p>\u60a8\u7684\u4fe1\u7528\u6b77\u53f2\u53cd\u6620\u4e86\u904e\u53bb\u7684\u501f\u8cb8\u884c\u70ba\uff0c\u662f\u8cb8\u6b3e\u6a5f\u69cb\u7684\u91cd\u8981\u53c3\u8003\u4f9d\u64da\u3002<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u6309\u6642\u9084\u6b3e<\/strong>\uff1a\u4fdd\u6301\u6309\u6642\u9084\u6b3e\u7684\u8a18\u9304\u80fd\u986f\u8457\u63d0\u9ad8\u7533\u8acb\u6210\u529f\u7387\u3002<\/li>\n\n\n\n<li><strong>\u904e\u53bb\u7684\u62d6\u6b20\u6216\u9055\u7d04<\/strong>\uff1a\u53ef\u80fd\u964d\u4f4e\u7372\u5f97\u8cb8\u6b3e\u7684\u6a5f\u6703\u3002<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">2. \u4fe1\u7528\u8a55\u5206\uff1a\u5982\u4f55\u5f71\u97ff\u8cb8\u6b3e\u689d\u4ef6\uff1f<\/h2>\n\n\n\n<p>\u4fe1\u7528\u8a55\u5206\u662f\u8861\u91cf\u501f\u6b3e\u4eba\u4fe1\u7528\u98a8\u96aa\u7684\u4e00\u500b\u6578\u503c\uff0c\u901a\u5e38\u7bc4\u570d\u5728 300 \u81f3 850 \u4e4b\u9593\u3002\u5206\u6578\u8d8a\u9ad8\uff0c\u7372\u5f97\u512a\u60e0\u689d\u4ef6\u7684\u53ef\u80fd\u6027\u8d8a\u5927\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">2.1 \u4fe1\u7528\u8a55\u5206\u7684\u5f71\u97ff<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u9ad8\u5206\u6578\uff08750+\uff09<\/strong>\uff1a\u901a\u5e38\u80fd\u7372\u5f97\u8f03\u4f4e\u7684\u5229\u7387\u548c\u66f4\u597d\u7684\u8cb8\u6b3e\u689d\u4ef6\u3002<\/li>\n\n\n\n<li><strong>\u4e2d\u5206\u6578\uff08650-749\uff09<\/strong>\uff1a\u4ecd\u6709\u6a5f\u6703\u7372\u5f97\u8cb8\u6b3e\uff0c\u4f46\u53ef\u80fd\u9700\u8981\u652f\u4ed8\u8f03\u9ad8\u5229\u7387\u3002<\/li>\n\n\n\n<li><strong>\u4f4e\u5206\u6578\uff08650 \u4ee5\u4e0b\uff09<\/strong>\uff1a\u53ef\u80fd\u9700\u8981\u63d0\u4f9b\u64d4\u4fdd\u54c1\u6216\u652f\u4ed8\u66f4\u9ad8\u7684\u5229\u7387\u3002<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">2.2 \u5982\u4f55\u63d0\u9ad8\u4fe1\u7528\u8a55\u5206\uff1f<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u6309\u6642\u652f\u4ed8\u5e33\u55ae<\/strong>\uff1a\u5373\u4f7f\u662f\u5c0f\u984d\u4fe1\u7528\u5361\u5e33\u55ae\uff0c\u4e5f\u61c9\u4fdd\u6301\u6309\u6642\u652f\u4ed8\u3002<\/li>\n\n\n\n<li><strong>\u964d\u4f4e\u4fe1\u7528\u5361\u4f7f\u7528\u7387<\/strong>\uff1a\u4fdd\u6301\u4fe1\u7528\u5361\u4f7f\u7528\u7387\u4f4e\u65bc 30%\u3002<\/li>\n\n\n\n<li><strong>\u6aa2\u67e5\u4fe1\u7528\u5831\u544a<\/strong>\uff1a\u5b9a\u671f\u6aa2\u67e5\u4fe1\u7528\u5831\u544a\uff0c\u78ba\u4fdd\u6c92\u6709\u932f\u8aa4\u8a18\u9304\u3002<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">3. \u5982\u4f55\u63d0\u9ad8\u8cb8\u6b3e\u7533\u8acb\u6210\u529f\u7387\uff1f<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">3.1 \u63d0\u524d\u6e96\u5099\u5b8c\u6574\u8cc7\u6599<\/h3>\n\n\n\n<p>\u78ba\u4fdd\u6240\u6709\u9700\u8981\u7684\u6587\u4ef6\u9f4a\u5168\uff0c\u4f8b\u5982\u6536\u5165\u8b49\u660e\u3001\u8eab\u4efd\u8b49\u660e\u3001\u4f4f\u5740\u8b49\u660e\u7b49\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">3.2 \u964d\u4f4e\u8ca0\u50b5\u6bd4\u4f8b<\/h3>\n\n\n\n<p>\u5728\u7533\u8acb\u8cb8\u6b3e\u4e4b\u524d\uff0c\u5118\u91cf\u511f\u9084\u90e8\u5206\u73fe\u6709\u7684\u50b5\u52d9\uff0c\u964d\u4f4e\u60a8\u7684\u8ca0\u50b5\u6bd4\u4f8b\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">3.3 \u6539\u5584\u4fe1\u7528\u8a18\u9304<\/h3>\n\n\n\n<p>\u5982\u679c\u4fe1\u7528\u8a55\u5206\u4e0d\u9ad8\uff0c\u53ef\u4ee5\u5148\u82b1\u4e00\u4e9b\u6642\u9593\u6539\u5584\u4fe1\u7528\u8a18\u9304\uff0c\u518d\u9032\u884c\u7533\u8acb\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">3.4 \u9078\u64c7\u5408\u9069\u7684\u8cb8\u6b3e\u6a5f\u69cb<\/h3>\n\n\n\n<p>\u4e0d\u540c\u7684\u8cb8\u6b3e\u6a5f\u69cb\u5c0d\u8cb8\u6b3e\u689d\u4ef6\u7684\u8981\u6c42\u53ef\u80fd\u6709\u6240\u4e0d\u540c\uff0c\u5efa\u8b70\u9078\u64c7\u9069\u5408\u81ea\u5df1\u60c5\u6cc1\u7684\u6a5f\u69cb\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u7e3d\u7d50<\/h2>\n\n\n\n<p>\u8cb8\u6b3e\u689d\u4ef6\u8207\u8a55\u5206\u662f\u5f71\u97ff\u8cb8\u6b3e\u7533\u8acb\u6210\u529f\u8207\u5426\u7684\u5169\u5927\u6838\u5fc3\u8981\u7d20\u3002\u7a69\u5b9a\u7684\u6536\u5165\u3001\u5408\u7406\u7684\u8ca0\u50b5\u6bd4\u4f8b\u4ee5\u53ca\u826f\u597d\u7684\u4fe1\u7528\u8a55\u5206\u90fd\u662f\u63d0\u9ad8\u6210\u529f\u7387\u7684\u91cd\u8981\u689d\u4ef6\u3002\u5728\u7533\u8acb\u8cb8\u6b3e\u4e4b\u524d\uff0c\u52d9\u5fc5\u505a\u597d\u5145\u5206\u7684\u6e96\u5099\uff0c\u78ba\u4fdd\u8cc7\u6599\u9f4a\u5168\uff0c\u4e26\u4e86\u89e3\u81ea\u8eab\u689d\u4ef6\u662f\u5426\u7b26\u5408\u8cb8\u6b3e\u6a5f\u69cb\u7684\u8981\u6c42\u3002<\/p>\n\n\n\n<p>\u5982\u679c\u60a8\u60f3\u4e86\u89e3\u66f4\u591a\u8cb8\u6b3e\u76f8\u95dc\u8cc7\u8a0a\uff0c\u6b61\u8fce\u95b1\u8b80\u6211\u5011\u7684\u5176\u4ed6\u6587\u7ae0\uff1a<a 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class=\"wp-image-109\"\/><\/figure>\n<\/figure>\n","protected":false},"excerpt":{"rendered":"<p>\u5728\u7533\u8acb\u8cb8\u6b3e\u4e4b\u524d\uff0c\u4e86\u89e3\u8cb8\u6b3e\u689d\u4ef6\u548c\u8a55\u5206\u6a19\u6e96\u5c0d\u65bc\u63d0\u9ad8\u7533\u8acb\u6210\u529f\u7387\u81f3\u95dc\u91cd\u8981\u3002\u8cb8\u6b3e\u689d\u4ef6\u78ba\u5b9a\u4e86\u60a8\u662f\u5426\u7b26\u5408\u8cc7\u683c\uff0c\u800c\u8a55\u5206\u5247\u5f71\u97ff\u60a8 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