{"id":1513,"date":"2024-04-16T17:40:45","date_gmt":"2024-04-16T09:40:45","guid":{"rendered":"https:\/\/www.moneybartender.com.tw\/?p=1513"},"modified":"2024-05-27T14:36:19","modified_gmt":"2024-05-27T06:36:19","slug":"%e6%8a%b5%e5%88%a9%e5%9e%8b%e6%88%bf%e8%b2%b8","status":"publish","type":"post","link":"https:\/\/www.moneybartender.com.tw\/houseloan\/%e6%8a%b5%e5%88%a9%e5%9e%8b%e6%88%bf%e8%b2%b8\/","title":{"rendered":"\u62b5\u5229\u578b\u623f\u8cb8\u662f\u4ec0\u9ebc\uff1f\u7533\u8fa6\u62b5\u5229\u578b\u623f\u8cb8\u5230\u5e95\u5212\u4e0d\u5212\u7b97\uff1f"},"content":{"rendered":"\n

\u300c \u62b5\u5229\u578b\u623f\u8cb8<\/a> \u300d\uff0c \u53c8\u7a31\u300c \u514d\u606f\u578b\u623f\u8cb8 \u300d\u3001\u300c \u5b58\u8ca8\u6574\u5408\u578b\u623f\u8cb8 \u300d\uff0c\u662f\u6307\u9664\u4e86\u623f\u8cb8\u5e33\u6236\uff0c\u9280\u884c\u6703\u53e6\u5916\u958b\u4e00\u500b\u5b58\u6b3e\u5e33\u6236\u8207\u623f\u8cb8\u5e33\u6236\u76f8\u4e92\u9023\u7d50\u3002<\/p>\n\n\n\n

\u9664\u4e86\u623f\u8cb8\u5e33\u6236\uff0c\u9280\u884c\u6703\u53e6\u5916\u958b\u7acb\u4e00\u500b\u5b58\u6b3e\u5e33\u6236\u8207\u623f\u8cb8\u5e33\u6236\u76f8\u4e92\u9023\u7d50\uff0c\u501f\u6b3e\u4eba\u5c07\u9322\u5b58\u653e\u5728\u5b58\u6b3e\u5e33\u6236\uff0c\u7528\u6b64\u5e33\u6236\u7684\u91d1\u984d\u4f86\u6298\u62b5\u623f\u8cb8\uff0c\u85c9\u6b64\u6e1b\u5c11\u623f\u8cb8\u5229\u606f\u652f\u51fa\uff0c\u9054\u5230\u964d\u4f4e\u6bcf\u6708\u6524\u9084\u91d1\u984d\u6216\u7e2e\u77ed\u9084\u6b3e\u5e74\u671f\u7684\u76ee\u7684\u3002<\/p>\n\n\n\n

\u7c21\u55ae\u4f86\u8aaa \u62b5\u5229\u578b\u623f\u8cb8 = \u5b58\u6b3e\uff0b\u623f\u8cb8\uff0c\u7576\u5b58\u6b3e\u6108\u591a\uff0c\u623f\u8cb8\u5229\u606f\u4e5f\u62b5\u6389\u6108\u591a\uff0c\u5229\u606f\u652f\u51fa\u4e5f\u5c31\u6108\u5c11\uff0c\u4f46\u771f\u7684\u6709\u9019\u9ebc\u55ae\u7d14\u55ce\uff1f
\u770b\u5b8c\u9019\u7bc7\u6587\u7ae0\u7684\u8a73\u7d30\u4ecb\u7d39\u518d\u4f86\u6c7a\u5b9a\u662f\u5426\u9069\u5408\u4f60<\/p>\n\n\n\n

\u5feb\u901f\u77e5\u9053\u4f60\u7684\u5b58\u6b3e\u662f\u5426\u8db3\u5920\u9078\u64c7\u62b5\u5229\u578b\u623f\u8cb8\uff1f<\/h2>\n\n\n\n

\u6c11\u773e\u82e5\u60f3\u9078\u7528\u62b5\u5229\u578b\u623f\u8cb8\uff0c\u5230\u5e95\u9069\u4e0d\u9069\u7528\u3001\u5212\u4e0d\u5212\u7b97\uff1f\u53ef\u4ee5\u7701\u4e0b\u591a\u5c11\u5229\u606f\uff1f\u4e0d\u59a8\u7528\u300c\u4e03\u5206\u4e4b\u4e00\u6cd5\u5247\u300d\u7c21\u55ae\u8a66\u7b97\u4e00\u4e0b\u3002<\/p>\n\n\n\n

\u6240\u8b02\u300c\u4e03\u5206\u4e4b\u4e00\u6cd5\u5247\u300d\u662f\u6307\u6c11\u773e\u82e5\u63a1\u7528\u62b5\u5229\u578b\u623f\u8cb8\u7701\u606f\uff0c\u5728\u62b5\u5229\u578b\u623f\u8cb8\u5229\u7387\u9ad8\u51fa\u6307\u6578\u578b\u623f\u8cb8 0.6 \u500b\u767e\u5206\u9ede\u7684\u60c5\u6cc1\u4e0b(\u9019\u88e1\u6307\u6578\u578b\u623f\u8cb8\u5229\u7387\u4ee52%\u3001\u62b5\u5229\u578b\u623f\u8cb8\u4ee52.6%\u8a08\u7b97)\uff0c\u6c11\u773e\u5b58\u6b3e<\/a>\u5fc5\u9808\u9054\u623f\u8cb8\u91d1\u984d\u7684\u4e03\u5206\u4e4b\u4e00\u624d\u6709\u5229<\/mark>\uff1b\u5982\u679c\u5b58\u6b3e\u592a\u5c11\uff0c\u6c11\u773e\u9084\u6703\u591a\u7e73\u5229\u606f\uff0c\u4e0d\u5982\u63d0\u524d\u9084\u6b3e\u5212\u7b97\u3002<\/p>\n\n\n\n

\u62b5\u5229\u578b\u623f\u8cb8\u7684\u512a\u9ede<\/h2>\n\n\n\n
    \n
  1. \u8cc7\u91d1\u53ef\u96a8\u6642\u5f48\u6027\u904b\u7528<\/li>\n\n\n\n
  2. \u53ef\u96d9\u9031\u7e73\u6b3e\u7bc0\u7701\u5229\u606f\u958b\u652f<\/li>\n\n\n\n
  3. \u5b58\u6b3e\u5e33\u6236\u5229\u7387\u8207\u623f\u8cb8\u5229\u7387\u76f8\u540c<\/li>\n\n\n\n
  4. \u5b58\u6b3e\u5229\u606f\u53ef\u7528\u4f86\u6298\u62b5\u623f\u8cb8\u5229\u606f<\/li>\n\n\n\n
  5. \u7e2e\u77ed\u9084\u6b3e\u6642\u9593\uff08\u6e1b\u5c11\u623f\u8cb8\u5229\u606f\u652f\u51fa\uff09<\/li>\n<\/ol>\n\n\n\n

    \u62b5\u5229\u578b\u623f\u8cb8\u7684\u7f3a\u9ede<\/h2>\n\n\n\n
      \n
    1. \u6d3b\u5b58\u5e33\u6236\u4e0d\u4ed8\u5229\u606f<\/li>\n\n\n\n
    2. \u96d9\u9031\u7e73\u6b3e\u58d3\u529b\u66f4\u5927<\/li>\n\n\n\n
    3. \u6d3b\u5b58\u9918\u984d\u6298\u62b5\u6709\u4e0a\u9650<\/li>\n\n\n\n
    4. \u6bcf\u6708\u9084\u6b3e\u58d3\u529b\u4e0d\u6703\u6e1b\u8f15<\/li>\n\n\n\n
    5. \u62b5\u5229\u578b\u623f\u8cb8\u5229\u7387\u6bd4\u4e00\u822c\u623f\u8cb8\u9ad8<\/li>\n<\/ol>\n\n\n\n

      \u62b5\u5229\u578b\u623f\u8cb8\u516c\u5f0f<\/h2>\n\n\n\n

       \u3010(\u623f\u8cb8\u9918\u984d\uff0d\u5b58\u6b3e\u91d1\u984d) \u00d7 \u623f\u8cb8\u5e74\u5229\u7387 \u3011 \u00f7 12 \uff1d\u6bcf\u6708\u623f\u8cb8\u5229\u606f<\/p>\n\n\n\n

      \u82e5\u7528\u672c\u91d1\u6524\u9084 = \u8cb8\u6b3e\u7e3d\u984d\/\uff08\u8cb8\u6b3e\u5e74\u9650\uff0a12\u500b\u6708\uff09 =\u6bcf\u6708\u8981\u9084\u6b3e\u672c\u91d1
      \u6bcf\u6708\u9084\u6b3e\u91d1\u984d = \u6bcf\u6708\u7684\u623f\u8cb8\u5229\u606f+\u6bcf\u6708\u8981\u9084\u6b3e\u672c\u91d1<\/p>\n\n\n\n

      \u62b5\u5229\u578b\u623f\u8cb8\u8a66\u7b97<\/h2>\n\n\n\n
      \"\u62b5\u5229\u578b\u623f\u8cb8\u6bd4\u8f03\"
      \u62b5\u5229\u578b\u623f\u8cb8\u8a66\u7b97<\/figcaption><\/figure>\n\n\n\n

      \u3010\u5047\u8a2d\u8cb8\u6b3e300\u842c \u653e100\u842c\u5728\u6d3b\u5b58 \u623f\u8cb8\u5229\u73873% \u8cb8\u6b3e\u5e74\u9650 10\u5e74 \u6c92\u6709\u5bec\u9650\u671f \u3011<\/p>\n\n\n\n

      \u6bcf\u6708\u5229\u606f\u8a66\u7b97\uff1a\u3010(300w-100w)*0.03 \u3011\/12 = 5000
      \u6bcf\u6708\u672c\u91d1\u8a66\u7b97\uff1a300w\/(10*12)\uff1d25000
      \u6bcf\u6708\u9084\u6b3e\u91d1\u984d\uff1a25000+5000 =30000<\/p>\n\n\n\n

      \u62b5\u5229\u578b\u623f\u8cb8\u6ce8\u610f\u4e8b\u9805<\/h2>\n\n\n\n
        \n
      1. \u62b5\u5229\u578b\u623f\u8cb8\u63d0\u9818\u5b58\u6b3e\u901a\u5e38\u6709\u91d1\u984d\u548c\u6b21\u6578\u9650\u5236\uff0c\u8d85\u904e\u9650\u5236\u5c07\u6703\u88ab\u6536\u53d6\u9055\u7d04\u91d1\u3002<\/li>\n\n\n\n
      2. \u5982\u679c\u501f\u6b3e\u4eba\u60f3\u63d0\u524d\u511f\u9084\u62b5\u5229\u578b\u623f\u8cb8\uff0c\u4e5f\u53ef\u80fd\u6703\u88ab\u6536\u53d6\u9055\u7d04\u91d1\u3002<\/li>\n\n\n\n
      3. \u82e5\u5b58\u6b3e\u5e33\u6236\u653e\u7684\u9322\u592a\u5c11\u53ef\u80fd\u5229\u7387\u6703\u6bd4\u50b3\u7d71\u623f\u8cb8\u7684\u5229\u7387\u9084\u9ad8\u3002<\/li>\n\n\n\n
      4. \u6d3b\u5b58\u9918\u984d\u6298\u62b5\u6709\u4e0a\u9650\uff0c\u4e5f\u4e0d\u662f\u5b58\u591a\u5c11\u5c31\u80fd\u62b5\u591a\u5c11\uff0c\u53ea\u6709\u7d04\u5b9a\u53ef\u62b5\u5229\u7bc4\u570d\u5167\u624d\u6709\u6548\u3002<\/li>\n\n\n\n
      5. \u901a\u5e38\u6709\u63d0\u6b3e\u91d1\u984d\u548c\u6b21\u6578\u9650\u5236\uff0c\u8d85\u904e\u9650\u5236\u5c07\u6703\u88ab\u6536\u53d6\u9055\u7d04\u91d1\u3002<\/li>\n\n\n\n
      6. \u5b58\u6b3e\u5229\u606f\u8b93\u8cfc\u5c4b\u501f\u6b3e\u5229\u606f\u6263\u9664\u984d\u8b8a\u5c0f\uff08\u5132\u84c4\u6295\u8cc7\u8207\u623f\u8cb8\u5229\u606f\u4e0d\u80fd\u540c\u6642\u7bc0\u7a05\uff09<\/li>\n\n\n\n
      7. \u6d3b\u5b58\u5e33\u6236\u4e0d\u4e88\u4ed8\u606f\uff0c\u62b5\u5229\u578b\u623f\u8cb8\u7684\u5b58\u6b3e\u5e33\u6236\u672c\u8eab\u4e0d\u652f\u4ed8\u5229\u606f\uff0c\u56e0\u70ba\u9019\u500b\u5e33\u6236\u7684\u9322\u662f\u7528\u4f86\u62b5\u92b7\u623f\u8cb8\u5229\u606f\u7684\u3002<\/li>\n<\/ol>\n\n\n\n

        \u62b5\u5229\u578b\u623f\u8cb8\u7684\u5e38\u898b\u554f\u984c<\/h2>\n\n\n\n

        1.\u62b5\u5229\u578b\u623f\u8cb8\u9069\u5408\u54ea\u4e9b\u4eba\uff1f<\/strong><\/mark><\/h3>\n\n\n\n
          \n
        1. \u6709\u7406\u8ca1\u80fd\u529b<\/li>\n\n\n\n
        2. \u8f03\u591a\u7684\u9592\u7f6e\u8cc7\u91d1<\/li>\n\n\n\n
        3. \u5e0c\u671b\u7e2e\u77ed\u9084\u6b3e\u5e74\u671f<\/li>\n\n\n\n
        4. \u5e0c\u671b\u964d\u4f4e\u6bcf\u6708\u6524\u9084\u91d1\u984d<\/li>\n<\/ol>\n\n\n\n

          2. \u62b5\u5229\u578b\u623f\u8cb8\u7684\u9084\u6b3e\u65b9\u5f0f\u6709\u54ea\u4e9b\uff1f<\/mark><\/strong><\/h3>\n\n\n\n
            \n
          1. \u672c\u606f\u6524\u9084<\/a>\uff1a
            \u6bcf\u6708\u6524\u9084\u91d1\u984d = \u672c\u91d1\u6524\u9084 + \u5229\u606f\u652f\u51fa
            \u672c\u91d1\u6524\u9084 = \u8cb8\u6b3e\u9918\u984d * \u6708\u5229\u7387
            \u5229\u606f\u652f\u51fa = \u8cb8\u6b3e\u9918\u984d * (\u623f\u8cb8\u5229\u7387 – \u5b58\u6b3e\u5229\u7387)<\/li>\n\n\n\n
          2. \u672c\u91d1\u6524\u9084<\/a>\uff1a
            \u6bcf\u6708\u6524\u9084\u91d1\u984d = \u672c\u91d1\u6524\u9084 + \u5229\u606f\u652f\u51fa
            \u672c\u91d1\u6524\u9084 = \u8cb8\u6b3e\u672c\u91d1 \/ \u9084\u6b3e\u6708\u6578
            \u5229\u606f\u652f\u51fa = \u8cb8\u6b3e\u9918\u984d * \u6708\u5229\u7387<\/li>\n<\/ol>\n\n\n\n

            3.\u62b5\u5229\u578b\u623f\u8cb8\u7684\u8cb8\u6b3e\u5229\u7387\u662f\u591a\u5c11\uff1f<\/strong><\/mark><\/h3>\n\n\n\n

            \u62b5\u5229\u578b\u623f\u8cb8\u7684\u8cb8\u6b3e\u5229\u7387\u901a\u5e38\u8207\u57fa\u6e96\u5229\u7387\u639b\u9264\uff0c\u4e26\u6703\u5b9a\u671f\u8abf\u6574\u3002
            \u76ee\u524d\u53f0\u7063\u7684\u57fa\u6e96\u5229\u7387\u70ba 1.375%\uff0c\u56e0\u6b64\u62b5\u5229\u578b\u623f\u8cb8\u7684\u8cb8\u6b3e\u5229\u7387\u7d04\u70ba 2% \u81f3 3%\u3002<\/p>\n\n\n\n

            4.\u62b5\u5229\u578b\u623f\u8cb8\u7684\u5b58\u6b3e\u5229\u7387\u662f\u591a\u5c11\uff1f<\/mark><\/strong><\/h3>\n\n\n\n

            \u62b5\u5229\u578b\u623f\u8cb8\u7684\u5b58\u6b3e\u5229\u7387\u901a\u5e38\u8f03\u4f4e\uff0c\u5927\u7d04\u70ba 0.5% \u81f3 1%\u3002<\/p>\n\n\n\n

            \u5ef6\u4f38\u95b1\u8b80\uff1a<\/p>\n\n\n\n