{"id":378,"date":"2026-04-20T07:02:40","date_gmt":"2026-04-19T23:02:40","guid":{"rendered":"https:\/\/redefinedmortgage.com\/?p=378"},"modified":"2026-04-23T07:11:37","modified_gmt":"2026-04-22T23:11:37","slug":"why-high-commitment-is-not-the-end-of-your-home-loan","status":"publish","type":"post","link":"https:\/\/redefinedmortgage.com\/zh\/why-high-commitment-is-not-the-end-of-your-home-loan\/","title":{"rendered":"\u4e3a\u4ec0\u4e48\u9ad8\u989d\u8d37\u6b3e\u627f\u8bfa\u5e76\u975e\u623f\u5c4b\u8d37\u6b3e\u7684\u7ec8\u70b9"},"content":{"rendered":"<p class=\"wp-block-paragraph\">\u5f53\u4f60\u5df2\u7ecf\u652f\u4ed8\u4e86\u9884\u8ba2\u8d39\u6216\u7b7e\u7f72\u4e86\u4e70\u5356\u534f\u8bae\u540e\uff0c\u542c\u5230\u94f6\u884c\u5bb6\u8bf4\u201c\u4f60\u7684\u627f\u8bfa\u91d1\u989d\u592a\u9ad8\u201d\u65f6\uff0c\u90a3\u79cd\u611f\u89c9\u5c31\u50cf\u811a\u4e0b\u7684\u5730\u9762\u77ac\u95f4\u6d88\u5931\u4e86\u3002\u5bf9\u8bb8\u591a\u9a6c\u6765\u897f\u4e9a\u4eba\u6765\u8bf4\uff0c\u8fd9\u53e5\u8bdd\u542c\u8d77\u6765\u5c31\u50cf\u662f\u201c\u4f60\u6c38\u8fdc\u4e5f\u62ff\u4e0d\u5230\u623f\u8d37\u4e86\u201d\u3002\u90a3\u79cd\u538b\u529b\u3001\u56f0\u60d1\u4ee5\u53ca\u5bb3\u6015\u635f\u5931\u5df2\u652f\u4ed8\u6b3e\u9879\u7684\u6050\u60e7\u611f\u662f\u771f\u5b9e\u5b58\u5728\u7684\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u6211\u4eec\u60f3\u4e8b\u5148\u8bf4\u660e\uff1a\u8d37\u6b3e\u88ab\u62d2\u786e\u5b9e\u4ee4\u4eba\u6cae\u4e27\u3002\u4f46\u8fd9\u5e76\u975e\u4e16\u754c\u672b\u65e5\u3002\u5728Redefined Mortgage\uff0c\u6211\u4eec\u7684\u5ba2\u6237\u5728\u7ecf\u8fc7\u59a5\u5584\u7684\u89c4\u5212\u548c\u91cd\u7ec4\u540e\uff0c\u8d37\u6b3e\u83b7\u6279\u7387\u7ea6\u4e3a90%\u3002\u8fd9\u5e76\u4e0d\u610f\u5473\u7740100%\u7684\u83b7\u6279\u7387\uff0c\u4f46\u786e\u5b9e\u610f\u5473\u7740\uff0c\u5982\u679c\u60a8\u91c7\u53d6\u6b63\u786e\u7684\u6b65\u9aa4\uff0c\u5c31\u6709\u5f88\u5927\u7684\u673a\u4f1a\u83b7\u5f97\u6279\u51c6\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u7b80\u5355\u6765\u8bf4\uff0c\u9ad8\u8d1f\u503a\u610f\u5473\u7740\u4f60\u6536\u5165\u7684\u5927\u90e8\u5206\u90fd\u7528\u4e8e\u507f\u8fd8\u8d37\u6b3e\u548c\u5206\u671f\u4ed8\u6b3e\u3002\u8fd9\u5305\u62ec\u6c7d\u8f66\u8d37\u6b3e\u3001\u4e2a\u4eba\u8d37\u6b3e\u3001\u9ad8\u7b49\u6559\u80b2\u8d37\u6b3e\u8ba1\u5212 (PTPTN)\u3001\u4fe1\u7528\u5361\u3001ASB \u94f6\u884c\u8d37\u6b3e\uff0c\u751a\u81f3\u5305\u62ec\u5148\u4e70\u540e\u4ed8\u7684\u8ba1\u5212\u3002\u4ece\u8d26\u9762\u4e0a\u770b\uff0c\u4f60\u4f3c\u4e4e\u51e0\u4e4e\u6ca1\u6709\u4f59\u94b1\u6765\u652f\u4ed8\u623f\u8d37\u4e86\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u6211\u4eec\u60f3\u5411\u60a8\u4fdd\u8bc1\uff0c\u9ad8\u989d\u8d37\u6b3e\u989d\u5ea6\u53ea\u662f\u4e00\u4e2a\u8b66\u793a\u4fe1\u53f7\uff0c\u800c\u975e\u6c38\u4e45\u6807\u7b7e\u3002\u901a\u8fc7\u5408\u7406\u7684\u91cd\u7ec4\u3001\u5b8c\u5584\u7684\u8d44\u6599\u51c6\u5907\u4ee5\u53ca\u66f4\u660e\u667a\u7684\u94f6\u884c\u9009\u62e9\uff0c\u8bb8\u591a\u6700\u521d\u88ab\u62d2\u7684\u8d2d\u623f\u8005\u6700\u7ec8\u90fd\u80fd\u83b7\u5f97\u8d37\u6b3e\u6279\u51c6\u3002\u5728Redefined Mortgage\uff0c\u6211\u4eec\u4e13\u6ce8\u4e8e\u6b64\u7c7b\u7ec6\u81f4\u7684\u89c4\u5212\u548c\u94f6\u884c\u5339\u914d\uff0c\u800c\u975e\u6295\u673a\u53d6\u5de7\uff0c\u56e0\u6b64\u5efa\u7acb\u4e86\u826f\u597d\u7684\u8d37\u6b3e\u5ba1\u6279\u8bb0\u5f55\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u672c\u6587\u5c06\u89e3\u91ca\u201c\u9ad8\u627f\u8bfa\u201d\u7684\u771f\u6b63\u542b\u4e49\uff0c\u4e0d\u540c\u94f6\u884c\u4e3a\u4f55\u5bf9\u60a8\u7684\u8bc4\u4ef7\u4e0d\u540c\uff0c\u4ee5\u53ca\u60a8\u5728\u518d\u6b21\u7533\u8bf7\u524d\u53ef\u4ee5\u91c7\u53d6\u54ea\u4e9b\u63aa\u65bd\u6765\u63d0\u5347\u81ea\u8eab\u7ade\u4e89\u529b\u3002\u6211\u4eec\u7684\u76ee\u6807\u5f88\u7b80\u5355\uff1a\u5c06\u201c\u88ab\u62d2\u201d\u7684\u7ecf\u5386\u8f6c\u5316\u4e3a\u5b9d\u8d35\u7684\u7ecf\u9a8c\uff0c\u52a9\u60a8\u4e0b\u6b21\u201c\u8d37\u6b3e\u83b7\u6279\u201d\u3002.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\u94f6\u884c\u6240\u8c13\u7684\u201c\u9ad8\u627f\u8bfa\u201d\u7a76\u7adf\u662f\u4ec0\u4e48\u610f\u601d\uff1f<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u5f53\u94f6\u884c\u5bb6\u8bf4\u4f60\u7684\u8fd8\u6b3e\u538b\u529b\u5f88\u5927\u65f6\uff0c\u4ed6\u4eec\u901a\u5e38\u6307\u7684\u662f\u4f60\u7684\u503a\u52a1\u507f\u8fd8\u6bd4\u7387\uff08DSR\uff09\u3002DSR \u6307\u7684\u662f\u4f60\u6bcf\u6708\u6536\u5165\u4e2d\u7528\u4e8e\u507f\u8fd8\u8d37\u6b3e\u7684\u767e\u5206\u6bd4\uff0c\u6362\u53e5\u8bdd\u8bf4\uff0c\u5c31\u662f\u4f60\u6bcf\u6708\u6536\u5165\u4e2d\u6709\u591a\u5c11\u5df2\u7ecf\u88ab\u201c\u9501\u5b9a\u201d\u7528\u4e8e\u507f\u8fd8\u503a\u52a1\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f8b\u5982\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u6708\u6536\u5165\uff1a6000\u4ee4\u5409&nbsp;&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u73b0\u6709\u5206\u671f\u4ed8\u6b3e\uff1a1000\u4ee4\u5409\u6c7d\u8f66\u8d37\u6b3e + 600\u4ee4\u5409\u4e2a\u4eba\u8d37\u6b3e + 400\u4ee4\u5409\u4fe1\u7528\u5361&nbsp;&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5206\u671f\u4ed8\u6b3e\u603b\u989d\uff1a2000\u4ee4\u5409&nbsp;&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u60a8\u7684\u503a\u52a1\u507f\u4ed8\u6bd4\u7387 (DSR) \u4e3a 2,000 \u9a6c\u5e01\u9664\u4ee5 6,000 \u9a6c\u5e01\uff0c\u7ea6\u7b49\u4e8e 33%\u3002\u5982\u679c\u60a8\u65b0\u589e 1,800 \u9a6c\u5e01\u7684\u623f\u5c4b\u8d37\u6b3e\u5206\u671f\u4ed8\u6b3e\uff0c\u60a8\u7684\u603b\u5206\u671f\u4ed8\u6b3e\u989d\u5c06\u53d8\u4e3a 3,800 \u9a6c\u5e01\uff0c\u60a8\u7684\u503a\u52a1\u507f\u4ed8\u6bd4\u7387 (DSR) \u5c06\u8dc3\u5347\u81f3\u7ea6 63%\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5927\u591a\u6570\u9a6c\u6765\u897f\u4e9a\u94f6\u884c\u90fd\u5e0c\u671b\u60a8\u7684DSR\uff08\u76f4\u63a5\u501f\u8d37\u6bd4\u7387\uff09\u4fdd\u6301\u5728\u4ed6\u4eec\u5185\u90e8\u7684\u8212\u9002\u8303\u56f4\u5185\u3002\u7b80\u5355\u6765\u8bf4\uff0c\u8bb8\u591a\u94f6\u884c\u5bf9\u4e8e\u666e\u901a\u6536\u5165\u8005\u7684DSR\u572860%\u523070%\u4e4b\u95f4\u6bd4\u8f83\u5408\u9002\uff0c\u800c\u5bf9\u4e8e\u7a33\u5b9a\u7684\u4e13\u4e1a\u4eba\u58eb\u6216\u9ad8\u6536\u5165\u7fa4\u4f53\uff0c\u4ed6\u4eec\u53ef\u80fd\u4f1a\u5141\u8bb8\u66f4\u9ad8\u7684DSR\uff0c\u5177\u4f53\u53d6\u51b3\u4e8e\u5404\u5bb6\u94f6\u884c\u7684\u5185\u90e8\u89c4\u5b9a\u3002\u6bcf\u5bb6\u94f6\u884c\u90fd\u6709\u81ea\u5df1\u7684\u5185\u90e8\u653f\u7b56\uff0c\u56e0\u6b64\u4e00\u5bb6\u94f6\u884c\u7684\u201c\u4e0d\u201d\u5e76\u4e0d\u610f\u5473\u7740\u6240\u6709\u94f6\u884c\u90fd\u201c\u4e0d\u201d\u3002.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\u9694\u591c\u653f\u7b56\u5229\u7387\u548c\u5229\u7387\u5982\u4f55\u5f71\u54cd\u60a8\u7684\u503a\u52a1\u507f\u8fd8\u7387<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u503a\u52a1\u507f\u4ed8\u80fd\u529b\u6bd4\u7387\uff08DSR\uff09\u4e5f\u53d7\u5229\u7387\u5f71\u54cd\u3002\u9a6c\u6765\u897f\u4e9a\u56fd\u5bb6\u94f6\u884c\uff08BNM\uff09\u8c03\u6574\u9694\u591c\u653f\u7b56\u5229\u7387\uff08OPR\uff09\u65f6\uff0c\u4f1a\u5f71\u54cd\u4f4f\u623f\u8d37\u6b3e\u5229\u7387\u548c\u8f85\u52a9\u50a8\u84c4\u8d37\u6b3e\uff08ASB\uff09\u878d\u8d44\u5229\u7387\u3002.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u5f53\u9694\u591c\u653f\u7b56\u5229\u7387\uff08OPR\uff09\u4e0a\u5347\u65f6\uff0c\u94f6\u884c\u901a\u5e38\u4f1a\u63d0\u9ad8\u4f4f\u623f\u8d37\u6b3e\u5229\u7387\u3002.&nbsp;&nbsp;<\/li>\n\n\n\n<li>\u5229\u7387\u8d8a\u9ad8\uff0c\u6bcf\u6708\u8fd8\u6b3e\u989d\u5c31\u8d8a\u9ad8\uff0c\u4ece\u800c\u63a8\u9ad8\u60a8\u7684\u503a\u52a1\u507f\u8fd8\u6bd4\u7387 (DSR)\u3002.&nbsp;&nbsp;<\/li>\n\n\n\n<li>\u5f53 OPR \u7a33\u5b9a\u6216\u8f83\u4f4e\u65f6\uff0c\u5206\u671f\u4ed8\u6b3e\u989d\u53ef\u80fd\u4f1a\u964d\u4f4e\uff0c\u8fd9\u6709\u52a9\u4e8e\u63d0\u9ad8\u60a8\u7684 DSR\u3002.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u9a6c\u6765\u897f\u4e9a\u56fd\u5bb6\u94f6\u884c\u7684\u653f\u7b56\u51b3\u5b9a\u65e8\u5728\u5e73\u8861\u901a\u8d27\u81a8\u80c0\u548c\u7ecf\u6d4e\u589e\u957f\uff0c\u4f46\u5bf9\u4e8e\u501f\u6b3e\u4eba\u6765\u8bf4\uff0c\u8fd9\u4e9b\u51b3\u5b9a\u4f1a\u8f6c\u5316\u4e3a\u6bcf\u6708\u8fd8\u6b3e\u989d\u7684\u53d8\u5316\u4ee5\u53ca\u94f6\u884c\u8ba1\u7b97\u60a8\u7684\u8fd8\u6b3e\u80fd\u529b\u7684\u65b9\u5f0f\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u94f6\u884c\u4e0d\u4f1a\u53ea\u770b\u503a\u52a1\u507f\u4ed8\u80fd\u529b\uff08DSR\uff09\uff0c\u4ed6\u4eec\u8fd8\u4f1a\u67e5\u770b\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>CCRIS\u8bb0\u5f55\u548c\u8fd8\u6b3e\u6a21\u5f0f&nbsp;&nbsp;<\/li>\n\n\n\n<li>CTOS\u8bc4\u5206\u53ca\u4efb\u4f55\u672a\u89e3\u51b3\u7684\u95ee\u9898&nbsp;&nbsp;<\/li>\n\n\n\n<li>\u516c\u79ef\u91d1\u7f34\u6b3e\uff0c\u7279\u522b\u662f\u5bf9\u4e8e\u53d7\u85aa\u7533\u8bf7\u4eba\u800c\u8a00&nbsp;&nbsp;<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u6536\u5165\u7a33\u5b9a\u6027\uff0c\u4f8b\u5982\u56fa\u5b9a\u5de5\u8d44\u4e0e\u4f63\u91d1\u6216\u8425\u4e1a\u6536\u5165\u3002&nbsp;&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u6240\u4ee5\uff0c\u201c\u60a8\u7684\u627f\u8bfa\u5ea6\u5f88\u9ad8\u201d\u901a\u5e38\u610f\u5473\u7740\uff0c\u201c\u6839\u636e\u6211\u4eec\u76ee\u524d\u7684\u89c4\u5219\u548c\u60a8\u76ee\u524d\u7684\u72b6\u51b5\uff0c\u60a8\u7684DSR\u6682\u65f6\u8d85\u51fa\u4e86\u6211\u4eec\u7684\u627f\u53d7\u8303\u56f4\u3002\u201d\u8fd9\u4e0e\u201c\u60a8\u6c38\u8fdc\u4e0d\u53ef\u80fd\u83b7\u5f97\u4efb\u4f55\u8d44\u683c\u201d\u622a\u7136\u4e0d\u540c\u3002\u201d<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\u4e3a\u4ec0\u4e48\u9a6c\u6765\u897f\u4e9a\u4eba\u4f1a\u88ab\u6807\u8bb0\u4e3a\u9ad8\u5fe0\u8bda\u5ea6\u4eba\u7fa4<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u5f88\u591a\u4eba\u53ea\u6709\u5728\u9996\u6b21\u8d2d\u623f\u8d37\u6b3e\u88ab\u62d2\u540e\u624d\u610f\u8bc6\u5230\u81ea\u5df1\u5bf9\u4f4f\u623f\u7684\u6295\u5165\u6709\u591a\u5927\u3002\u5e38\u89c1\u539f\u56e0\u5305\u62ec\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u73b0\u6709\u8d37\u6b3e\u8fc7\u591a\uff1a<\/strong> \u6c7d\u8f66\u8d37\u6b3e\u3001\u4e2a\u4eba\u8d37\u6b3e\u3001PTPTN\u8d37\u6b3e\u3001ASB\u8d37\u6b3e\u4ee5\u53ca\u591a\u5f20\u4fe1\u7528\u5361\u6b20\u6b3e\u90fd\u4f1a\u6084\u7136\u7d2f\u79ef\u3002\u5373\u4f7f\u6bcf\u7b14\u8fd8\u6b3e\u989d\u201c\u4e0d\u5927\u201d\uff0c\u52a0\u4e0a\u623f\u5c4b\u8d37\u6b3e\u540e\uff0c\u603b\u989d\u4e5f\u5f88\u5bb9\u6613\u8d85\u8fc7\u9650\u989d\u3002.\u00a0\u00a0<\/li>\n\n\n\n<li><strong>\u4f4e\u6536\u5165\u8bc1\u660e\uff1a<\/strong> \u81ea\u96c7\u4eba\u58eb\u3001\u96f6\u5de5\u4eba\u5458\u548c\u4f63\u91d1\u5236\u6536\u5165\u8005\u901a\u5e38\u5b9e\u9645\u6536\u5165\u9ad8\u4e8e\u5de5\u8d44\u5355\u6216\u94f6\u884c\u5bf9\u8d26\u5355\u4e0a\u663e\u793a\u7684\u91d1\u989d\u3002\u5982\u679c\u60a8\u7684\u8d22\u52a1\u51ed\u8bc1\u65e0\u6cd5\u53cd\u6620\u60a8\u7684\u771f\u5b9e\u6536\u5165\uff0c\u94f6\u884c\u4f1a\u8ba4\u4e3a\u60a8\u7684\u503a\u52a1\u507f\u8fd8\u7387\uff08DSR\uff09\u9ad8\u4e8e\u60a8\u8ba4\u4e3a\u5408\u7406\u7684\u6c34\u5e73\u3002.\u00a0\u00a0<\/li>\n\n\n\n<li><strong>\u671f\u9650\u77ed\u6216\u5206\u671f\u4ed8\u6b3e\u989d\u9ad8\uff1a<\/strong> \u9009\u62e9\u8f83\u77ed\u7684\u6c7d\u8f66\u8d37\u6b3e\u6216\u4e2a\u4eba\u8d37\u6b3e\u671f\u9650\u53ef\u4ee5\u964d\u4f4e\u603b\u5229\u606f\uff0c\u4f46\u4f1a\u4f7f\u6bcf\u6708\u8fd8\u6b3e\u989d\u66f4\u9ad8\uff0c\u4ece\u800c\u63a8\u9ad8\u60a8\u7684\u503a\u52a1\u507f\u8fd8\u7387 (DSR)\u3002.\u00a0\u00a0<\/li>\n\n\n\n<li><strong>\u8054\u5408\u8d37\u6b3e\u548c\u62c5\u4fdd\u4eba\u89d2\u8272\uff1a <\/strong>\u5982\u679c\u60a8\u662f\u4ed6\u4eba\u8d37\u6b3e\u7684\u62c5\u4fdd\u4eba\u6216\u5171\u540c\u501f\u6b3e\u4eba\uff0c\u5373\u4f7f\u5b9e\u9645\u7531\u5176\u4ed6\u4eba\u652f\u4ed8\uff0c\u8fd9\u4e9b\u5206\u671f\u4ed8\u6b3e\u4e5f\u4f1a\u8ba1\u5165\u60a8\u7684\u503a\u52a1\u507f\u8fd8\u7387 (DSR)\u3002.\u00a0\u00a0<\/li>\n\n\n\n<li><strong>\u903e\u671f\u6216\u672a\u4ed8\u6b3e\u9879\uff1a<\/strong> \u4fe1\u7528\u5361\u6216\u4e2a\u4eba\u8d37\u6b3e\u7684\u51e0\u6b21\u903e\u671f\u4ed8\u6b3e\u4f1a\u8ba9\u94f6\u884c\u66f4\u52a0\u8c28\u614e\uff0c\u5c24\u5176\u662f\u5f53\u4f60\u7684\u503a\u52a1\u507f\u8fd8\u7387\u5df2\u7ecf\u8fbe\u5230\u4ed6\u4eec\u80fd\u591f\u63a5\u53d7\u7684\u4e0a\u9650\u65f6\u3002.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e86\u89e3\u54ea\u4e9b\u60c5\u51b5\u9002\u7528\u4e8e\u4f60\uff0c\u662f\u89e3\u51b3\u95ee\u9898\u7684\u7b2c\u4e00\u6b65\u3002.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\u964d\u4f4e\u7eb8\u5f20\u4f7f\u7528\u91cf\u7684\u660e\u667a\u65b9\u6cd5<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f60\u65e0\u6cd5\u6539\u53d8\u8fc7\u53bb\u7684\u8fd8\u6b3e\u8bb0\u5f55\uff0c\u4f46\u53ef\u4ee5\u6539\u53d8\u672a\u6765\u8d22\u52a1\u4e0a\u7684\u8fd8\u6b3e\u627f\u8bfa\u3002\u4ee5\u4e0b\u662f\u8bb8\u591a\u9a6c\u6765\u897f\u4e9a\u4eba\u5e38\u7528\u7684\u5b9e\u7528\u7b56\u7565\uff1a<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u91cd\u7ec4\u548c\u6574\u5408\u8d37\u6b3e\uff1a&nbsp;&nbsp;<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u5ef6\u957f\u6c7d\u8f66\u8d37\u6b3e\u6216\u4e2a\u4eba\u8d37\u6b3e\u7684\u671f\u9650\u53ef\u4ee5\u964d\u4f4e\u6bcf\u6708\u8fd8\u6b3e\u989d\uff0c\u4ece\u800c\u63d0\u9ad8\u60a8\u7684\u503a\u52a1\u507f\u8fd8\u7387\uff08DSR\uff09\uff0c\u5373\u4f7f\u8fd9\u610f\u5473\u7740\u60a8\u9700\u8981\u652f\u4ed8\u66f4\u957f\u65f6\u95f4\u7684\u5229\u606f\u3002\u6709\u65f6\uff0c\u5c06\u591a\u7b14\u5c0f\u989d\u4e2a\u4eba\u8d37\u6b3e\u5408\u5e76\u4e3a\u4e00\u7b14\u6bcf\u6708\u8fd8\u6b3e\u989d\u8f83\u4f4e\u7684\u8d37\u6b3e\u4e5f\u6709\u5e2e\u52a9\u3002.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u6e05\u7406\u77ed\u671f\u503a\u52a1\uff1a&nbsp;&nbsp;<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u5982\u679c\u60a8\u80fd\u591f\u5168\u989d\u507f\u8fd8\u5c0f\u989d\u4e2a\u4eba\u8d37\u6b3e\uff0c\u90a3\u4e48\u5728\u7533\u8bf7\u4f4f\u623f\u8d37\u6b3e\u4e4b\u524d\u8fd9\u6837\u505a\u6216\u8bb8\u662f\u503c\u5f97\u7684\u3002\u6b64\u5916\uff0c\u5c06\u60a8\u7684\u4fe1\u7528\u5361\u4f7f\u7528\u7387\u964d\u4f4e\u5230\u989d\u5ea6\u768430%\u4ee5\u4e0b\uff0c\u5e76\u5728\u7533\u8bf7\u4f4f\u623f\u8d37\u6b3e\u524d\u51e0\u4e2a\u6708\u8fd8\u6e05\u903e\u671f\u6b3e\u9879\uff0c\u4e5f\u6709\u52a9\u4e8e\u6539\u5584\u94f6\u884c\u5bf9\u60a8\u98ce\u9669\u7b49\u7ea7\u7684\u8bc4\u4f30\u3002.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u4e3a\u60a8\u7684\u73b0\u6709\u623f\u4ea7\u8fdb\u884c\u518d\u878d\u8d44\uff1a&nbsp;&nbsp;<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u5982\u679c\u60a8\u5df2\u7ecf\u62e5\u6709\u623f\u4ea7\uff0c\u901a\u8fc7\u518d\u878d\u8d44\u5ef6\u957f\u8d37\u6b3e\u671f\u9650\u6216\u83b7\u5f97\u66f4\u4f18\u60e0\u7684\u5229\u7387\u53ef\u4ee5\u964d\u4f4e\u6bcf\u6708\u8fd8\u6b3e\u989d\u3002\u60a8\u5fc5\u987b\u8003\u8651\u8bc4\u4f30\u8d39\u3001\u5f8b\u5e08\u8d39\u548c\u6742\u8d39\u7b49\u6210\u672c\uff0c\u5e76\u5c06\u5176\u4e0e\u6bcf\u6708\u8282\u7701\u7684\u91d1\u989d\u548c\u60a8\u7684\u957f\u671f\u8ba1\u5212\u8fdb\u884c\u6bd4\u8f83\u3002.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u9009\u62e9\u5408\u9002\u7684\u8d37\u6b3e\u7ed3\u6784\uff1a&nbsp;&nbsp;<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u9009\u62e9 MRTA \u8fd8\u662f MLTA\u3001\u4ee5\u4e2a\u4eba\u540d\u4e49\u8fd8\u662f\u8054\u540d\u6301\u6709\uff0c\u4ee5\u53ca\u5982\u4f55\u4f7f\u7528\u914d\u5076\u7684\u6536\u5165\uff0c\u90fd\u4f1a\u5f71\u54cd\u60a8\u7684\u6574\u4f53\u8fd8\u6b3e\u989d\u3002\u6709\u65f6\uff0c\u5c06\u4e00\u5904\u623f\u4ea7\u767b\u8bb0\u5728\u914d\u5076\u4e00\u65b9\u540d\u4e0b\uff0c\u53e6\u4e00\u5904\u623f\u4ea7\u767b\u8bb0\u5728\u914d\u5076\u53e6\u4e00\u65b9\u540d\u4e0b\uff0c\u53ef\u4ee5\u66f4\u6709\u6548\u5730\u5206\u644a\u503a\u52a1\u507f\u8fd8\u4e49\u52a1\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e0e\u62b5\u62bc\u8d37\u6b3e\u4e13\u5bb6\u5408\u4f5c\u4f1a\u5f88\u6709\u5e2e\u52a9\uff0c\u56e0\u4e3a\u6211\u4eec\u53ef\u4ee5\u4f7f\u7528\u5b9e\u9645\u7684\u94f6\u884c\u516c\u5f0f\u6a21\u62df\u4e0d\u540c\u7684\u91cd\u7ec4\u65b9\u6848\u3002\u8fd9\u6837\uff0c\u60a8\u5c31\u65e0\u9700\u731c\u6d4b\u54ea\u79cd\u65b9\u6848\u80fd\u6700\u5927\u7a0b\u5ea6\u5730\u6539\u5584\u60a8\u7684\u503a\u52a1\u507f\u4ed8\u6bd4\u7387 (DSR)\u3002.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\u9009\u62e9\u5408\u9002\u7684\u94f6\u884c\u7b56\u7565<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u5373\u4f7f\u62e5\u6709\u76f8\u540c\u7684DSR\uff08\u503a\u52a1\u98ce\u9669\u8bc4\u4f30\u62a5\u544a\uff09\uff0c\u4e0d\u540c\u7684\u94f6\u884c\u4e5f\u4f1a\u7ed9\u51fa\u4e0d\u540c\u7684\u7b54\u6848\u3002\u4e0d\u540c\u7684\u94f6\u884c\u98ce\u9669\u627f\u53d7\u80fd\u529b\u4e0d\u540c\uff0c\u504f\u597d\u7684\u5ba2\u6237\u7fa4\u4f53\u4e5f\u4e0d\u540c\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u6709\u4e9b\u4eba\u66f4\u559c\u6b22\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u7a33\u5b9a\u7684\u4e13\u4e1a\u4eba\u58eb\u62e5\u6709\u66f4\u9ad8\u7684DSR\u3002&nbsp;&nbsp;<\/li>\n\n\n\n<li>\u957f\u671f\u670d\u52a1\u7684\u653f\u5e9c\u516c\u52a1\u5458&nbsp;&nbsp;<\/li>\n\n\n\n<li>\u81ea\u96c7\u4eba\u58eb\u9700\u63d0\u4f9b\u8be6\u5c3d\u3001\u6e05\u6670\u7684\u8bc1\u660e\u6587\u4ef6&nbsp;&nbsp;<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u6536\u5165\u7c7b\u578b\u5f88\u91cd\u8981\u3002\u5bf9\u4e8e\u9886\u56fa\u5b9a\u5de5\u8d44\u7684\u5458\u5de5\u6765\u8bf4\uff0c\u6e05\u6670\u7684\u5de5\u8d44\u5355\u3001\u516c\u79ef\u91d1\u7f34\u6b3e\u8bb0\u5f55\u548c\u7a33\u5b9a\u7684\u94f6\u884c\u4fe1\u7528\u8bb0\u5f55\u90fd\u5f88\u6709\u5e2e\u52a9\u3002\u5bf9\u4e8e\u4f63\u91d1\u6536\u5165\u8005\u6216\u4e2d\u5c0f\u4f01\u4e1a\u4e3b\uff0c\u94f6\u884c\u901a\u5e38\u5e0c\u671b\u770b\u5230\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u81f3\u5c11\u51e0\u4e2a\u6708\u7684\u94f6\u884c\u5bf9\u8d26\u5355\u663e\u793a\u7a33\u5b9a\u7684\u8d44\u91d1\u6d41\u5165\u3002&nbsp;&nbsp;<\/li>\n\n\n\n<li>\u7a0e\u52a1\u8868\u683c\uff0c\u4f8b\u5982B\u8868\u6216BE\u8868\u3002&nbsp;&nbsp;<\/li>\n\n\n\n<li>\u7ecf\u5ba1\u8ba1\u7684\u8d26\u76ee\u6216\u7ba1\u7406\u8d26\u76ee\uff08\u5982\u9002\u7528\uff09&nbsp;&nbsp;<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u7279\u6b8a\u65b9\u6848\u548c\u623f\u4ea7\u7c7b\u578b\u4e5f\u4f1a\u5f71\u54cd\u5ba1\u6279\u3002\u7b26\u5408\u6761\u4ef6\u7684\u8d2d\u623f\u8005\u53ef\u4eab\u53d7\u7684\u534e\u6587\u8d37\u6b3e\u65b9\u6848\u3001LACA\u623f\u4ea7\u6216\u571f\u8457\u4fdd\u7559\u5730\u53ef\u80fd\u9700\u8981\u7565\u5fae\u4e0d\u540c\u7684\u6587\u4ef6\u6216\u5185\u90e8\u5ba1\u6838\u3002\u4e8c\u624b\u623f\u4e0e\u671f\u623f\u3001\u4f4e\u4ef7\u623f\u4e0e\u9ad8\u7aef\u623f\u3001\u79df\u8d41\u4ea7\u6743\u4e0e\u6c38\u4e45\u4ea7\u6743\u7b49\u56e0\u7d20\u90fd\u4f1a\u5f71\u54cd\u94f6\u884c\u7684\u4f30\u503c\u548c\u8d37\u6b3e\u610f\u613f\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5728\u5229\u7387\u73af\u5883\u4e0d\u65ad\u53d8\u5316\u7684\u60c5\u51b5\u4e0b\uff0c\u4e86\u89e3\u6bcf\u5bb6\u94f6\u884c\u5f53\u524d\u503a\u52a1\u507f\u4ed8\u7387 (DSR) \u89c4\u5219\u3001\u623f\u4ea7\u653f\u7b56\u548c\u5185\u90e8\u504f\u597d\u7684\u62b5\u62bc\u8d37\u6b3e\u4e13\u5bb6\u53ef\u4ee5\u5e2e\u52a9\u60a8\u5c06\u7533\u8bf7\u63d0\u4ea4\u5230\u6700\u6709\u53ef\u80fd\u4e00\u6b21\u83b7\u5f97\u6279\u51c6\u7684\u5730\u65b9\u3002.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\u5c06\u9ad8\u5ea6\u6295\u5165\u8f6c\u5316\u4e3a\u4f60\u80fd\u638c\u63a7\u7684\u8ba1\u5212<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u9ad8\u989d\u503a\u52a1\u5e76\u975e\u60a8\u8d2d\u623f\u68a6\u7684\u7ec8\u7ed3\uff0c\u4f46\u5b83\u6e05\u695a\u5730\u8868\u660e\u60a8\u9700\u8981\u5236\u5b9a\u8ba1\u5212\u3002\u5728Redefined Mortgage\uff0c\u6211\u4eec\u4e0e\u5ba2\u6237\u5408\u4f5c\u65f6\uff0c\u901a\u5e38\u9996\u5148\u4f1a\u5168\u9762\u5ba1\u6838\u60a8\u7684CCRIS\u548cCTOS\u3001\u73b0\u6709\u503a\u52a1\u4ee5\u53ca\u6536\u5165\u8bc1\u660e\u6587\u4ef6\u3002\u7136\u540e\uff0c\u5728\u63d0\u4ea4\u4efb\u4f55\u7533\u8bf7\u4e4b\u524d\uff0c\u6211\u4eec\u4f1a\u4f7f\u7528\u4e0e\u94f6\u884c\u76f8\u540c\u7684\u8ba1\u7b97\u65b9\u6cd5\u6a21\u62df\u60a8\u7684\u503a\u52a1\u507f\u8fd8\u6bd4\u7387\uff08DSR\uff09\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u63a5\u4e0b\u6765\uff0c\u6211\u4eec\u4f1a\u5236\u5b9a\u5207\u5b9e\u53ef\u884c\u7684\u65b9\u6848\u3002\u8fd9\u4e9b\u65b9\u6848\u53ef\u80fd\u5305\u62ec\u5ef6\u957f\u8d37\u6b3e\u671f\u9650\u3001\u507f\u8fd8\u90e8\u5206\u8d37\u6b3e\u3001\u5408\u7406\u5408\u5e76\u592b\u59bb\u6536\u5165\uff0c\u6216\u8005\u8c03\u6574\u4f01\u4e1a\u6536\u5165\u7ed3\u6784\uff0c\u4f7f\u5176\u7b26\u5408\u94f6\u884c\u7684\u8981\u6c42\u3002\u6211\u4eec\u5e2e\u52a9\u7684\u8bb8\u591a\u4eba\u5728\u81f3\u5c11\u4e00\u6b21\u8d37\u6b3e\u7533\u8bf7\u88ab\u62d2\u540e\u624d\u6765\u5bfb\u6c42\u5e2e\u52a9\uff0c\u4ed6\u4eec\u62c5\u5fc3\u635f\u5931\u624b\u7eed\u8d39\u6216\u9762\u4e34\u66f4\u591a\u5931\u671b\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5173\u952e\u5728\u4e8e\uff1a\u9ad8\u989d\u8d37\u6b3e\u989d\u5ea6\u662f\u53ef\u4ee5\u638c\u63a7\u7684\u3002\u4e00\u65e6\u4f60\u4e86\u89e3\u4e86\u5f53\u524d\u7684\u503a\u52a1\u6536\u5165\u6bd4\uff08DSR\uff09\uff0c\u5c3d\u53ef\u80fd\u5730\u6e05\u7406\u6216\u91cd\u7ec4\uff0c\u5e76\u4e0e\u5408\u9002\u7684\u94f6\u884c\u7b56\u7565\u76f8\u5339\u914d\uff0c\u4f60\u7684\u8d37\u6b3e\u5ba1\u6279\u901a\u8fc7\u7387\u5c31\u80fd\u663e\u8457\u63d0\u9ad8\u3002\u6211\u4eec\u7684\u5185\u90e8\u6570\u636e\u663e\u793a\uff0c\u901a\u8fc7\u5408\u7406\u7684\u89c4\u5212\uff0c\u6211\u4eec\u534f\u52a9\u7684\u5ba2\u6237\u4e2d\u7ea6\u670990%\u6700\u7ec8\u90fd\u80fd\u83b7\u5f97\u8d37\u6b3e\u6279\u51c6\uff0c\u800c\u4e14\u6211\u4eec\u4e0d\u4f1a\u505a\u51fa\u4efb\u4f55\u201c\u4fdd\u8bc1100%\u5ba1\u6279\u901a\u8fc7\u201d\u4e4b\u7c7b\u7684\u865a\u5047\u627f\u8bfa\u3002.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\u51c6\u5907\u597d\u67e5\u770b\u81ea\u5df1\u7684\u6570\u636e\u4e86\u5417\uff1f<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u5982\u679c\u4f60\u62c5\u5fc3\u201c\u4f60\u7684\u6295\u5165\u592a\u5927\u201d\uff0c\u4e0d\u8981\u7b49\u5230\u518d\u6b21\u88ab\u62d2\u7edd\u624d\u53bb\u9a8c\u8bc1\u3002.&nbsp;&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u70b9\u51fb\u8fd9\u91cc\u901a\u8fc7 WhatsApp \u8054\u7cfb\u6211\u4eec\u7684\u56e2\u961f\uff0c\u83b7\u53d6\u514d\u8d39\u4e14\u65e0\u4e49\u52a1\u7684 DSR 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\u6211\u4eec\u79c9\u6301\u6e05\u6670\u3001\u8bda\u5b9e\u548c\u957f\u671f\u6307\u5bfc\u7684\u539f\u5219\uff0c\u7aed\u8bda\u4e3a\u60a8\u63d0\u4f9b\u5e2e\u52a9\u3002\u5728Redefined Mortgage\uff0c\u6211\u4eec\u4f1a\u82b1\u65f6\u95f4\u4e86\u89e3\u60a8\u7684\u76ee\u6807\uff0c\u786e\u4fdd\u60a8\u7684\u623f\u5c4b\u8d37\u6b3e\u65b9\u6848\u771f\u6b63\u5951\u5408\u60a8\u7684\u751f\u6d3b\uff0c\u800c\u4e0d\u662f\u8ba9\u60a8\u53bb\u9002\u5e94\u8d37\u6b3e\u3002\u7acb\u5373\u8054\u7cfb\u6211\u4eec\uff0c\u8ba9\u6211\u4eec\u4e00\u6b65\u6b65\u4e3a\u60a8\u8bb2\u89e3\u5404\u79cd\u65b9\u6848\u3002 <a href=\"https:\/\/redefinedmortgage.com\/zh\/contact\/\">\u8054\u7cfb\u6211\u4eec<\/a> \u5b89\u6392\u4e00\u4e2a\u9002\u5408\u60a8\u7684\u8c08\u8bdd\u65f6\u95f4\u3002.<\/p>","protected":false},"excerpt":{"rendered":"<p>Hearing a banker say, \u201cYour commitment is too high\u201d after you have already paid a booking fee or signed an SPA can feel like the ground just disappeared under your feet. For many Malaysians, that one sentence sounds like, \u201cYou will never get a home loan.\u201d The stress, the confusion, and the fear of losing [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":379,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_seopress_robots_primary_cat":"","_seopress_titles_title":"","_seopress_titles_desc":"","_seopress_robots_index":"","footnotes":""},"categories":[8],"tags":[],"class_list":["post-378","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-home-loan"],"_links":{"self":[{"href":"https:\/\/redefinedmortgage.com\/zh\/wp-json\/wp\/v2\/posts\/378","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/redefinedmortgage.com\/zh\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/redefinedmortgage.com\/zh\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/redefinedmortgage.com\/zh\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/redefinedmortgage.com\/zh\/wp-json\/wp\/v2\/comments?post=378"}],"version-history":[{"count":1,"href":"https:\/\/redefinedmortgage.com\/zh\/wp-json\/wp\/v2\/posts\/378\/revisions"}],"predecessor-version":[{"id":380,"href":"https:\/\/redefinedmortgage.com\/zh\/wp-json\/wp\/v2\/posts\/378\/revisions\/380"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/redefinedmortgage.com\/zh\/wp-json\/wp\/v2\/media\/379"}],"wp:attachment":[{"href":"https:\/\/redefinedmortgage.com\/zh\/wp-json\/wp\/v2\/media?parent=378"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/redefinedmortgage.com\/zh\/wp-json\/wp\/v2\/categories?post=378"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/redefinedmortgage.com\/zh\/wp-json\/wp\/v2\/tags?post=378"}],"curies":[{"name":"\u53ef\u6e7f\u6027\u7c89\u5242","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}