{"id":7482,"date":"2021-04-23T05:49:19","date_gmt":"2021-04-23T05:49:19","guid":{"rendered":"https:\/\/mandarin.abacusfinance.com.au\/?p=7482"},"modified":"2022-02-24T22:54:34","modified_gmt":"2022-02-24T22:54:34","slug":"%e6%be%b3%e6%b4%b2%e8%bd%ac%e8%b4%b7%e5%bb%ba%e8%ae%ae","status":"publish","type":"post","link":"https:\/\/cn.abacusfinance.com.au\/%e6%be%b3%e6%b4%b2%e8%bd%ac%e8%b4%b7%e5%bb%ba%e8%ae%ae\/","title":{"rendered":"\u7ed9\u5f53\u4e0b\u6fb3\u6d32\u8003\u8651\u8f6c\u8d37\u7684\u501f\u6b3e\u4eba\uff0c\u51e0\u4e2a\u7279\u6b8a\u7684\u5efa\u8bae"},"content":{"rendered":"\n<p id=\"\u6587\u7ae0\u5bfc\u89c8\">\u6587\u7ae0\u5bfc\u89c8\uff1a<\/p>\n\n\n\n<p><a href=\"#suitable-refinance\">1.\u8003\u8651\u8f6c\u8d37\u662f\u5426\u9002\u5408\u60a8<\/a><\/p>\n\n\n\n<ul><li><a href=\"#refinance-cost\">\u5e38\u89c1\u8f6c\u8d37\u6210\u672c<\/a><\/li><\/ul>\n\n\n\n<p><a href=\"#purpose-refinance\">2.\u660e\u786e\u8d37\u6b3e\u91cd\u7ec4\u76ee\u7684<\/a><\/p>\n\n\n\n<ul><li>2.1<a href=\"#lower-rate\">\u8f83\u4f4e\u5229\u7387<\/a><\/li><li>2.2<a href=\"#provide-fund\">\u5229\u7528\u623f\u5c4b\u51c0\u503c\u4e3a\u7ffb\u4fee\u623f\u5c4b\u63d0\u4f9b\u8d44\u91d1<\/a><\/li><li>2.3<a href=\"#home-loan\">\u56fa\u5b9a\u5229\u7387\u623f\u8d37\u5373\u5c06\u5230\u671f<\/a><\/li><li>2.4<a href=\"#simply-finance\">\u7b80\u5316\u8d22\u52a1\u72b6\u51b5<\/a><\/li><li>2.5<a href=\"#provide-fund\">\u63d0\u4f9b\u6295\u8d44\u8d44\u91d1<\/a><\/li><\/ul>\n\n\n\n<p>3.<a href=\"#talk-with-other\">\u4e0e\u60a8\u7684\u8d37\u65b9\u8fdb\u884c\u8c08\u5224<\/a><\/p>\n\n\n\n<p><a href=\"#credit-score\">4.\u4e86\u89e3\u4fe1\u7528\u8bc4\u5206\u5bf9\u8f6c\u8d37\u80fd\u529b\u7684\u5f71\u54cd<\/a><\/p>\n\n\n\n<p>5.<a href=\"#payment-power\">\u8861\u91cf\u8fd8\u6b3e\u80fd\u529b<\/a><\/p>\n\n\n\n<ul><li><a href=\"#DTI-METHOD\">\u964d\u4f4eDTI\u7684\u529e\u6cd5<\/a><\/li><\/ul>\n\n\n\n<p><a href=\"#PROCESS-REFINANCE\">6.\u4e86\u89e3\u8d37\u6b3e\u91cd\u7ec4\u6d41\u7a0b<\/a><\/p>\n\n\n\n<p>\u65e9\u57282020\u5e7411\u67083\u65e5\uff0c\u6fb3\u6d32\u592e\u884c\u505a\u51fa\u4e86\u4e00\u9879\u91cd\u8981\u51b3\u5b9a\uff0c\u5c06\u73b0\u91d1\u5229\u7387\u964d\u4f4e\u81f3\u53f2\u4e0a\u6700\u4f4e\u76840.1%\u3002<\/p>\n\n\n\n<p>\u8fd9\u4e00\u51b3\u5b9a\u4f7f\u5f97\u4e00\u4e9b\u501f\u6b3e\u4eba\u6253\u7535\u8bdd\u7ed9\u4ed6\u4eec\u7684\u8d37\u6b3e\u65b9\uff0c\u5bfb\u6c42\u4e00\u4e2a\u66f4\u597d\u7684\u5229\u7387\u3002\u53e6\u4e00\u4e9b\u501f\u6b3e\u4eba\u5219\u503e\u5411\u4e8e\u9009\u62e9\u5176\u4ed6\u8d37\u6b3e\u65b9\u8fdb\u884c\u8f6c\u8d37\uff0c\u4e5f\u6709\u4e00\u4e9b\u501f\u6b3e\u4eba\u9009\u62e9\u6309\u5175\u4e0d\u52a8\u3002<\/p>\n\n\n\n<p>\u5728\u6301\u7eed\u7684\u4f4e\u606f\u73af\u5883\u4e0b\uff0c\u8d8a\u6765\u8d8a\u591a\u7684\u501f\u6b3e\u4eba\u5f00\u59cb\u8003\u8651\u201c\u8f6c\u8d37\u201d\u3002<\/p>\n\n\n\n<p>\u5982\u679c\u60a8\u4e5f\u5728\u8003\u8651\u8d37\u6b3e\u91cd\u7ec4\uff0c\u672c\u6587\u7f57\u5217\u4e86\u4e00\u4e9b\u5173\u952e\u8003\u8651\u56e0\u7d20\uff0c\u5e2e\u52a9\u60a8\u505a\u51fa\u6709\u6548\u76ca\u7684\u51b3\u5b9a\u3002<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"570\" src=\"https:\/\/cn.abacusfinance.com.au\/wp-content\/uploads\/2022\/02\/\u622a\u5c4f2022-02-18-\u4e0b\u53483.34.51-1024x570.png\" alt=\"\u6fb3\u6d32\u8f6c\u8d37\" class=\"wp-image-9867\" srcset=\"https:\/\/cn.abacusfinance.com.au\/wp-content\/uploads\/2022\/02\/\u622a\u5c4f2022-02-18-\u4e0b\u53483.34.51-1024x570.png 1024w, https:\/\/cn.abacusfinance.com.au\/wp-content\/uploads\/2022\/02\/\u622a\u5c4f2022-02-18-\u4e0b\u53483.34.51-300x167.png 300w, https:\/\/cn.abacusfinance.com.au\/wp-content\/uploads\/2022\/02\/\u622a\u5c4f2022-02-18-\u4e0b\u53483.34.51.png 1146w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><figcaption>\u6fb3\u6d32\u8f6c\u8d37<\/figcaption><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"1-\u8003\u8651\u8f6c\u8d37\u662f\u5426\u9002\u5408\u60a8\">1.<strong>\u8003\u8651\u8f6c\u8d37\u662f\u5426\u9002\u5408\u60a8<\/strong><\/h2>\n\n\n\n<p>\u8f6c\u8d37\u6700\u91cd\u8981\u7684\u539f\u56e0\u662f\u627e\u5230\u4e00\u4e2a\u66f4\u9002\u5408\u60a8\u76ee\u524d\u60c5\u51b5\u7684\u8d37\u6b3e\u65b9\u6848\uff0c\u4ece\u800c\u53ef\u4ee5\u7701\u4e0b\u4e00\u7b14\u94b1\u3002\u56e0\u6b64\uff0c\u5728\u91c7\u53d6\u884c\u52a8\u4e4b\u524d\u52a1\u5fc5\u8981\u8003\u8651\u8f6c\u8d37\u7684\u6210\u672c\uff0c\u4ee5\u786e\u4fdd\u5b83\u662f\u66f4\u597d\u7684\u9009\u62e9\u3002\u76ee\u524d\u5e02\u573a\u4e0a\u7684\u8bb8\u591a\u8fd4\u73b0\u4f18\u60e0\u653f\u7b56\uff0c\u4e5f\u8ba9\u8fd9\u4e00\u8003\u91cf\u53d8\u5f97\u66f4\u590d\u6742\u3002<\/p>\n\n\n\n<p id=\"refinance-cost\">\u6bd4\u8f83\u5229\u7387\uff08comparison rates\uff09\u6307\u6570\u6db5\u76d6\u4e86\u623f\u8d37\u4e2d\u7684\u5404\u79cd\u8d39\u7528\u548c\u8d37\u6b3e\u5229\u7387\uff0c\u53ef\u4ee5\u5e2e\u52a9\u60a8\u66f4\u597d\u5730\u6bd4\u8f83\u4e0d\u540c\u7684\u623f\u8d37\u6210\u672c\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"\u5e38\u89c1\u7684\u8d37\u6b3e\u91cd\u7ec4\u6210\u672c\u5305\u62ec\"><strong>\u5e38\u89c1\u7684\u8d37\u6b3e\u91cd\u7ec4\u6210\u672c\u5305\u62ec<\/strong><\/h3>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"o-\u89e3\u7ea6\u91d1-break-fees\"><strong>o \u89e3\u7ea6\u91d1\uff08Break fees\uff09<\/strong><\/h4>\n\n\n\n<p>\u5982\u679c\u60a8\u73b0\u6709\u7684\u662f\u56fa\u5b9a\u5229\u7387\u623f\u8d37\uff0c\u90a3\u4e48\u5f53\u60a8\u8f6c\u8d37\u6216\u662f\u63d0\u65e9\u8fd8\u6b3e\u65f6\u5c31\u6709\u53ef\u80fd\u9700\u8981\u989d\u5916\u652f\u4ed8\u8fd9\u90e8\u5206\u8d39\u7528\u3002\u8fd9\u7b14\u8d39\u7528\u4e3b\u8981\u7528\u4e8e\u8865\u507f\u7531\u4e8e\u501f\u6b3e\u4eba\u8fdd\u53cd\u56fa\u5b9a\u5229\u7387\u623f\u8d37\u534f\u8bae\uff0c\u800c\u7ed9\u8d37\u6b3e\u65b9\u5e26\u6765\u7684\u4efb\u4f55\u635f\u5931\uff0c\u5305\u62ec\u7ba1\u7406\u8d39\u548c\u6279\u53d1\u501f\u6b3e\u6210\u672c\u3002\u6839\u636e\u6bcf\u4e2a\u623f\u8d37\u65b9\u6848\u4e0d\u540c\uff0c\u89e3\u7ea6\u91d1\u4e5f\u5404\u4e0d\u76f8\u540c\u3002<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"o-\u8d37\u6b3e\u7533\u8bf7\u8d39-mortgage-application-fee\"><strong>o \u8d37\u6b3e\u7533\u8bf7\u8d39 (Mortgage application fee\uff09<\/strong><\/h4>\n\n\n\n<p>\u4e5f\u79f0\u4e3a\u5f00\u6237\u8d39\uff08establishment fee\uff09\uff0c\u94f6\u884c\u5728\u8bbe\u7acb\u8d37\u6b3e\u91cd\u7ec4\u65f6\u53ef\u80fd\u4f1a\u6536\u53d6\u8fd9\u4e00\u4e00\u6b21\u6027\u7684\u8d39\u7528\u7528\u4f5c\u7ba1\u7406\u8d39\uff0c\u8303\u56f4\u4ece0\u81f31,000 \u6fb3\u5e01\u4e0d\u7b49\u3002<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"o-\u8bc4\u4f30\u8d39-valuation-fee\"><strong>o \u8bc4\u4f30\u8d39 (Valuation fee)<\/strong><\/h4>\n\n\n\n<p>\u65b0\u7684\u8d37\u6b3e\u65b9\u53ef\u80fd\u4f1a\u8981\u6c42\u5148\u5b8c\u6210\u8bc4\u4f30\uff0c\u624d\u80fd\u5411\u4ed6\u4eec\u501f\u8d37\uff0c\u76ee\u7684\u662f\u8bc4\u4f30\u623f\u5c4b\u7684\u5f53\u524d\u5e02\u573a\u4ef7\u503c\u3002\u8bc4\u4f30\u8d39\u53ef\u80fd\u53ef\u4ee5\u514d\u6536\u3002\u4f46\u5982\u679c\u9700\u8981\u652f\u4ed8\u7684\u8bdd\uff0c\u4e0d\u540c\u7684\u8d37\u6b3e\u65b9\u6536\u8d39\u4e0d\u540c\uff0c\u6700\u9ad8\u53ef\u8fbe600\u6fb3\u5e01\u3002<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"o-\u89e3\u9664\u62b5\u62bc\u8d39-discharge-fee\"><strong>o&nbsp;\u89e3\u9664\u62b5\u62bc\u8d39 (Discharge fee)<\/strong><\/h4>\n\n\n\n<p>\u4e5f\u88ab\u79f0\u4e3a\u4ea4\u5272\u8d39\uff08settlement fee\uff09\u3002\u5f53\u501f\u6b3e\u4eba\u8fd8\u6e05\u8d37\u6b3e\u8981\u6c42\u89e3\u9664\u62b5\u62bc\u3001\u6216\u9009\u62e9\u5176\u4ed6\u8d37\u6b3e\u65b9\u8f6c\u8d37\u65f6\uff0c\u5c31\u9700\u8981\u652f\u4ed8\u8fd9\u4e00\u8d39\u7528\u3002\u8303\u56f4\u4ece150\u81f3400\u6fb3\u5e01\u4e0d\u7b49\u3002<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"o-\u8d37\u6b3e\u4fdd\u9669-lenders-mortgage-insurance-\u7f29\u5199lmi\"><strong>o&nbsp;\u8d37\u6b3e\u4fdd\u9669 (Lenders mortgage insurance\uff0c\u7f29\u5199LMI)<\/strong><\/h4>\n\n\n\n<p>\u5f53\u60a8\u7684\u8d37\u6b3e\u989d\u8d85\u8fc7\u623f\u5c4b\u603b\u4ef7\u503c\u768480%\uff0c\u94f6\u884c\u53ef\u80fd\u4f1a\u8981\u6c42\u60a8\u652f\u4ed8\u8d37\u6b3e\u4fdd\u9669\u8d39\uff0c\u9632\u6b62\u501f\u6b3e\u4eba\u65e0\u6cd5\u8fd8\u6b3e\u65f6\u8d37\u6b3e\u4eba\u7684\u5229\u76ca\u53d7\u5230\u635f\u5931\u3002<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"o-\u5e74\u8d39-annual-fee\"><strong>o&nbsp;\u5e74\u8d39 (Annual fee)<\/strong><\/h4>\n\n\n\n<p id=\"purpose-refinance\">\u4e00\u4e9b\u8d37\u6b3e\u65b9\u53ef\u80fd\u4f1a\u6536\u53d6\u8d37\u6b3e\u671f\u95f4\u7684\u5e74\u8d39\u3002\u53e6\u4e5f\u6709\u4e00\u4e9b\u8d37\u6b3e\u65b9\u4f1a\u514d\u6536\u8fd9\u65b9\u9762\u8d39\u7528\u4f5c\u4e3a\u4f18\u60e0\u653f\u7b56\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"2-\u660e\u786e\u60a8\u901a\u8fc7\u8d37\u6b3e\u91cd\u7ec4\u60f3\u8981\u5b9e\u73b0\u7684\u76ee\u7684\">2.<strong>\u660e\u786e\u60a8\u901a\u8fc7\u8d37\u6b3e\u91cd\u7ec4\u60f3\u8981\u5b9e\u73b0\u7684\u76ee\u7684<\/strong><\/h2>\n\n\n\n<p id=\"lower-rate\">\u9009\u62e9\u8d37\u6b3e\u91cd\u7ec4\u7684\u539f\u56e0\u591a\u79cd\u591a\u6837\u3002\u4e5f\u8bb8\u60a8\u662f\u60f3\u5229\u7528\u66f4\u597d\u7684\u65b9\u6848\u3001\u66f4\u4f4e\u7684\u5229\u7387\u3001\u66f4\u7075\u6d3b\u7684\u6761\u6b3e\u6765\u5c06\u60a8\u623f\u5c4b\u7684\u51c0\u503c\u7528\u4e8e\u7ffb\u65b0\u6216\u6295\u8d44\uff0c\u6216\u662f\u503a\u52a1\u91cd\u7ec4\u3002\u4f46\u5728\u91c7\u53d6\u884c\u52a8\u4e4b\u524d\uff0c\u60a8\u8fd8\u9700\u66f4\u591a\u4e86\u89e3\u8d37\u6b3e\u91cd\u7ec4\u80cc\u540e\u7684\u539f\u56e0\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"\u8f83\u4f4e\u5229\u7387\"><strong>\u8f83\u4f4e\u5229\u7387<\/strong><\/h3>\n\n\n\n<p>\u4ee5\u8f83\u4f4e\u5229\u7387\u8fdb\u884c\u8d37\u6b3e\u91cd\u7ec4\uff0c\u60a8\u53ef\u4ee5\u51cf\u5c11\u6574\u4e2a\u8d37\u6b3e\u671f\u95f4\u7684\u8fd8\u6b3e\u989d\u3002\u4f8b\u5982\uff0c\u6211\u4eec\u53ef\u4ee5\u4f7f\u7528Westpac\u623f\u8d37\u8fd8\u6b3e\u989d\u8ba1\u7b97\u5668\uff0c\u60a8\u53ef\u4ee5\u5728\u4e0b\u8868\u4e2d\u770b\u5230\uff0c\u5229\u7387\u964d\u4f4e0.5%\uff0c\u610f\u5473\u7740\u6bcf\u4e2a\u6708\u7684\u8fd8\u6b3e\u989d\u51cf\u5c11\u4e86132\u6fb3\u5e01\uff0c\u5e76\u5728\u6574\u4e2a\u8d37\u6b3e\u671f\u95f4\u8282\u7701\u4e86\u7ea64.7\u4e07\u6fb3\u5e01\u7684\u5229\u606f\u3002\uff08\u5047\u8bbe\u5229\u7387\u4e0d\u53d8\uff0c\u5e76\u4e14\u5728\u8d37\u6b3e\u671f\u9650\u5185\u6309\u65f6\u507f\u8fd8\u4e86\u6bcf\u6708\u6700\u4f4e\u8fd8\u6b3e\u989d\u3002\uff09<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"306\" src=\"https:\/\/cn.abacusfinance.com.au\/wp-content\/uploads\/2022\/02\/\u622a\u5c4f2022-02-18-\u4e0b\u53483.37.15-1024x306.png\" alt=\"\u6fb3\u6d32\u8f6c\u8d37\" class=\"wp-image-9868\" srcset=\"https:\/\/cn.abacusfinance.com.au\/wp-content\/uploads\/2022\/02\/\u622a\u5c4f2022-02-18-\u4e0b\u53483.37.15-1024x306.png 1024w, https:\/\/cn.abacusfinance.com.au\/wp-content\/uploads\/2022\/02\/\u622a\u5c4f2022-02-18-\u4e0b\u53483.37.15-300x90.png 300w, https:\/\/cn.abacusfinance.com.au\/wp-content\/uploads\/2022\/02\/\u622a\u5c4f2022-02-18-\u4e0b\u53483.37.15.png 1190w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p>\u9700\u8981\u6ce8\u610f\u7684\u662f\uff1a<\/p>\n\n\n\n<ul id=\"provide-fund\"><li>\u6d6e\u52a8\u5229\u7387\u6709\u53ef\u80fd\u53d8\u5316\uff0c\u60a8\u53ef\u80fd\u6700\u7ec8\u8981\u652f\u4ed8\u66f4\u9ad8\u7684\u5229\u7387\u3002<\/li><li>\u5982\u679c\u60a8\u5207\u6362\u56fa\u5b9a\u5229\u7387\u8d37\u6b3e\u6216\u63d0\u65e9\u8fd8\u6e05\u56fa\u5b9a\u5229\u7387\u8d37\u6b3e\uff0c\u90a3\u4e48\u53ef\u80fd\u9700\u652f\u4ed8\u989d\u5916\u7684\u89e3\u7ea6\u91d1\uff08break cost\uff09\u3002<\/li><\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"\u5229\u7528\u623f\u5c4b\u51c0\u503c\u6765\u4e3a\u7ffb\u4fee\u623f\u5c4b\u63d0\u4f9b\u8d44\u91d1\"><strong>&nbsp;\u5229\u7528\u623f\u5c4b\u51c0\u503c\u6765\u4e3a\u7ffb\u4fee\u623f\u5c4b\u63d0\u4f9b\u8d44\u91d1<\/strong><\/h3>\n\n\n\n<p>\u623f\u5c4b\u51c0\u503c\u6307\u7684\u662f\u60a8\u76f4\u63a5\u62e5\u6709\u7684\u90e8\u5206\u623f\u5c4b\u4ef7\u503c\u3002\u5b83\u672c\u8d28\u4e0a\u662f\u623f\u5c4b\u7684\u4ef7\u503c\u51cf\u53bb\u4e8f\u6b20\u623f\u8d37\u989d\u3002\u5982\u679c\u60a8\u6b63\u5bfb\u6c42\u8d37\u6b3e\u6765\u7ffb\u4fee\u623f\u5c4b\uff0c\u90a3\u4e48\u901a\u8fc7\u507f\u8fd8\u8d37\u6b3e\u6216\u623f\u4ea7\u589e\u503c\u6765\u589e\u52a0\u623f\u5c4b\u51c0\u503c\u5bf9\u8d37\u6b3e\u91cd\u7ec4\u662f\u975e\u5e38\u6709\u5e2e\u52a9\u7684\u3002<br>\u4e3e\u4e2a\u4f8b\u5b50\uff1a\u5047\u8bbe\u60a8\u6709\u4e00\u5904\u4ef7\u503c60\u4e07\u6fb3\u5e01\u7684\u623f\u4ea7\uff0c\u5e76\u501f\u8d37\u4e8630\u4e07\u6fb3\u5e01\u3002\u4e00\u65e6\u8d37\u6b3e\u4eba\u7684\u8d37\u6b3e\u6bd4\u4f8b\uff08loan to value ratio\uff0c\u7b80\u79f0LVR\uff09\u8fbe\u5230\u4e86\u623f\u4ea7\u4ef7\u503c\u768480%\uff0c\u90a3\u4e48\u57fa\u4e8e\u5f53\u524d\u5e02\u573a\u4ef7\u503c\uff0c\u60a8\u5c31\u6709\u53ef\u80fd\u989d\u5916\u501f\u523018\u4e07\u6fb3\u5e01\u6765\u8fdb\u4e00\u6b65\u7ffb\u4fee\u623f\u5c4b\u3002<\/p>\n\n\n\n<p>\u4f46\u60a8\u9700\u6ce8\u610f\uff1a<\/p>\n\n\n\n<ul id=\"home-loan\"><li>\u501f\u66f4\u591a\u7684\u94b1\u610f\u5473\u7740\u53ef\u80fd\u9700\u8981\u66f4\u957f\u65f6\u95f4\u624d\u80fd\u8fd8\u6e05\uff0c\u4ece\u800c\u4f7f\u60a8\u603b\u5171\u652f\u4ed8\u7684\u5229\u606f\u548c\u8fd8\u6b3e\u989d\u66f4\u9ad8\u3002<\/li><li>\u5c3d\u7ba1\u60a8\u53ef\u80fd\u60f3\u5229\u7528\u623f\u5c4b\u51c0\u503c\u7684\u597d\u5904\uff0c\u4f46\u60a8\u4ecd\u9700\u8981\u8bc1\u660e\u6709\u80fd\u529b\u507f\u8fd8\u589e\u52a0\u7684\u8d37\u6b3e\u3002<\/li><\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"\u60a8\u7684\u56fa\u5b9a\u5229\u7387\u623f\u8d37\u5373\u5c06\u5230\u671f\"><strong>\u60a8\u7684\u56fa\u5b9a\u5229\u7387\u623f\u8d37\u5373\u5c06\u5230\u671f<\/strong><\/h3>\n\n\n\n<p>\u623f\u8d37\u5373\u5c06\u5230\u671f\u662f\u4e00\u4e2a\u91cd\u65b0\u5ba1\u89c6\u60a8\u7684\u4e2a\u4eba\u8d22\u52a1\u72b6\u51b5\u7684\u673a\u4f1a\uff0c\u4ece\u800c\u51b3\u5b9a\u672a\u6765\u7684\u6700\u4f73\u65b9\u6848\uff0c\u65e0\u8bba\u662f\u7ee7\u7eed\u9009\u62e9\u5f53\u524d\u7684\u8d37\u6b3e\u65b9\u8fd8\u662f\u8d37\u6b3e\u91cd\u7ec4\u3002<\/p>\n\n\n\n<p id=\"simply-finance\">\u5728\u5927\u591a\u6570\u56fa\u5b9a\u5229\u7387\u623f\u8d37\u534f\u8bae\u4e2d\uff0c\u5f53\u56fa\u5b9a\u5229\u7387\u623f\u8d37\u5230\u671f\uff0c\u60a8\u7684\u8d37\u6b3e\u5c06\u53d8\u56de\u6d6e\u52a8\u5229\u7387\u3002\u6216\u8005\u60a8\u53ef\u4ee5\u9009\u62e9\u5728\u89c4\u5b9a\u65f6\u95f4\u5185\uff08\u4f8b\u598214\u5929\uff09\u5c06\u60a8\u7684\u8d37\u6b3e\u5168\u90e8\u6216\u90e8\u5206\u8f6c\u4e3a\u53e6\u4e00\u4e2a\u56fa\u5b9a\u5229\u7387\u8d37\u6b3e\uff0c\u8fd9\u4e0d\u4f1a\u4ea7\u751f\u989d\u5916\u8d39\u7528\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"\u60a8\u6b63\u5728\u507f\u8fd8\u5176\u4ed6\u503a\u52a1-\u5e76\u4e14\u60f3\u7b80\u5316\u60a8\u7684\u8d22\u52a1\u72b6\u51b5\"><strong>\u60a8\u6b63\u5728\u507f\u8fd8\u5176\u4ed6\u503a\u52a1\uff0c\u5e76\u4e14\u60f3\u7b80\u5316\u60a8\u7684\u8d22\u52a1\u72b6\u51b5<\/strong><\/h3>\n\n\n\n<p>\u540c\u65f6\u6709\u591a\u7b14\u503a\u52a1\u5e76\u4e0d\u7f55\u89c1\uff0c\u56e0\u4e3a\u501f\u6b3e\u901a\u5e38\u7528\u4e8e\u4e0d\u540c\u76ee\u7684\u3002\u4f46\u662f\uff0c\u53ca\u65f6\u8fd8\u4e0a\u591a\u7b14\u8fd8\u6b3e\u53ef\u80fd\u6bd4\u8f83\u56f0\u96be\u4e86\u3002\u5982\u679c\u60a8\u60f3\u7b80\u5316\u8d22\u52a1\u72b6\u51b5\uff0c\u53ef\u4ee5\u5728\u8d37\u6b3e\u91cd\u7ec4\u65f6\u8003\u8651\u503a\u52a1\u5408\u5e76\uff0c\u5c24\u5176\u662f\u5982\u679c\u53ef\u4ee5\u53d6\u5f97\u66f4\u4f4e\u7684\u5229\u7387\u7684\u60c5\u51b5\u4e0b\u3002<\/p>\n\n\n\n<p>\u867d\u7136\u628a\u6240\u6709\u503a\u52a1\u90fd\u8f6c\u5165\u4e00\u4e2a\u623f\u8d37\u6765\u83b7\u5f97\u66f4\u4f4e\u5229\u7387\u542c\u4e0a\u53bb\u975e\u5e38\u8bf1\u4eba\uff0c\u4f46\u540c\u65f6\u4e5f\u610f\u5473\u7740\u60a8\u53ef\u80fd\u8981\u7528\u66f4\u957f\u7684\u65f6\u95f4\u8fd8\u6e05\u77ed\u671f\u8d37\u6b3e\uff0c\u4f8b\u5982\u4e2a\u4eba\u8d37\u6b3e\uff0c\u90a3\u4e48\u957f\u671f\u6765\u770b\u4f1a\u82b1\u8d39\u66f4\u591a\u3002<\/p>\n\n\n\n<p id=\"provide-fund\">\u5982\u679c\u60a8\u60f3\u8981\u901a\u8fc7\u628a\u6240\u6709\u503a\u52a1\u5408\u5e76\u5230\u4e00\u4e2a\u66f4\u4f4e\u5229\u7387\u7684\u8d37\u6b3e\u91cc\u6765\u51cf\u5c11\u8fd8\u6b3e\u989d\uff0c\u90a3\u4e48\u60a8\u53ef\u4ee5\u8003\u8651\u507f\u8fd8\u591a\u4e8e\u6700\u4f4e\u8fd8\u6b3e\u989d\u7684\u94b1\uff0c\u5e76\u4e0e\u60a8\u672c\u6765\u53ef\u80fd\u9700\u8981\u8fd8\u7684\u77ed\u671f\u8d37\u6b3e\u8fd8\u6b3e\u989d\u4fdd\u6301\u4e00\u81f4\uff0c\u4ee5\u6b64\u6765\u51cf\u5c11\u957f\u671f\u652f\u4ed8\u7684\u5229\u606f\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"\u63d0\u4f9b\u6295\u8d44\u8d44\u91d1\"><strong>\u63d0\u4f9b\u6295\u8d44\u8d44\u91d1<\/strong><\/h3>\n\n\n\n<p>\u8d37\u6b3e\u91cd\u7ec4\u4e5f\u53ef\u80fd\u662f\u4e2a\u5229\u7528\u623f\u5c4b\u51c0\u503c\u6765\u501f\u8d37\u4e70\u80a1\u7968\u3001\u751a\u81f3\u6295\u8d44\u623f\u5730\u4ea7\u7684\u673a\u4f1a\u3002<br>\u5728\u884c\u52a8\u4e4b\u524d\uff0c\u52a1\u5fc5\u8981\u5bfb\u6c42\u9002\u5408\u60a8\u7684\u8d22\u52a1\u548c\u7a0e\u52a1\u5efa\u8bae\uff0c\u4ece\u800c\u4e86\u89e3\u5176\u4e2d\u7684\u98ce\u9669\uff0c\u4e3b\u8981\u5305\u62ec\uff1a<\/p>\n\n\n\n<ol id=\"talk-with-other\"><li>\u66f4\u5927\u7684\u635f\u5931\uff0c\u56e0\u4e3a\u5373\u4f7f\u6295\u8d44\u5931\u5229\uff0c\u4ecd\u7136\u9700\u8981\u507f\u8fd8\u501f\u6b3e\u3002<\/li><li>\u5982\u679c\u662f\u4ee5\u6d6e\u52a8\u5229\u7387\u501f\u8d37\uff0c\u90a3\u4e48\u5229\u7387\u548c\u8fd8\u6b3e\u989d\u53ef\u80fd\u4f1a\u4e0a\u6da8\u3002<\/li><\/ol>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"573\" src=\"https:\/\/cn.abacusfinance.com.au\/wp-content\/uploads\/2022\/02\/\u622a\u5c4f2022-02-18-\u4e0b\u53483.37.52-1024x573.png\" alt=\"\u6fb3\u6d32\u8f6c\u8d37\" class=\"wp-image-9869\" srcset=\"https:\/\/cn.abacusfinance.com.au\/wp-content\/uploads\/2022\/02\/\u622a\u5c4f2022-02-18-\u4e0b\u53483.37.52-1024x573.png 1024w, https:\/\/cn.abacusfinance.com.au\/wp-content\/uploads\/2022\/02\/\u622a\u5c4f2022-02-18-\u4e0b\u53483.37.52-300x168.png 300w, https:\/\/cn.abacusfinance.com.au\/wp-content\/uploads\/2022\/02\/\u622a\u5c4f2022-02-18-\u4e0b\u53483.37.52.png 1140w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><figcaption>\u6fb3\u6d32\u8f6c\u8d37<\/figcaption><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"3-\u5148\u4e0e\u60a8\u5f53\u524d\u7684\u8d37\u65b9\u8fdb\u884c\u8c08\u5224\">3.<strong>\u5148\u4e0e\u60a8\u5f53\u524d\u7684\u8d37\u65b9\u8fdb\u884c\u8c08\u5224<\/strong><\/h2>\n\n\n\n<p>\u5bf9\u4e8e\u8bb8\u591a\u4eba\u6765\u8bf4\uff0c\u8d37\u6b3e\u91cd\u7ec4\u7684\u76ee\u7684\u5728\u4e8e\u6362\u6210\u5229\u7387\u66f4\u4f4e\u6216\u8fd8\u6b3e\u989d\u66f4\u4f4e\u7684\u623f\u8d37\u3002<br>\u65e0\u8bba\u60a8\u662f\u5904\u4e8e\u4f55\u79cd\u539f\u56e0\uff0c\u6211\u4eec\u63a8\u8350\u60a8\u7b2c\u4e00\u6b65\u5148\u8ddf\u5f53\u524d\u7684\u8d37\u6b3e\u65b9\u6c9f\u901a\uff0c\u4e86\u89e3\u4ed6\u4eec\u662f\u5426\u6709\u66f4\u5177\u7ade\u4e89\u529b\u7684\u8d37\u6b3e\u65b9\u6848\u3002\u4f8b\u5982\u6298\u6263\u5229\u7387\u3001\u514d\u9664\u90e8\u5206\u8d39\u7528\u6216\u751a\u81f3\u662f\u5bf9\u51b2\u8d26\u6237\uff08offset account\uff09\u7684\u4f7f\u7528\u6216\u63d0\u73b0\uff08redraw\uff09\u529f\u80fd\u3002<\/p>\n\n\n\n<p>\u60a8\u9700\u6ce8\u610f\uff1a<\/p>\n\n\n\n<ul id=\"credit-score\"><li>\u4e0e\u60a8\u5f53\u524d\u8d37\u6b3e\u65b9\u5c31\u540c\u4e00\u623f\u8d37\u534f\u5546\u964d\u4f4e\u5229\u7387\u5e76\u4e0d\u4f1a\u5f71\u54cd\u60a8\u7684\u4fe1\u7528\u8bc4\u5206\uff0c\u56e0\u4e3a\u5e76\u4e0d\u9700\u8981\u4fe1\u7528\u5ba1\u6838\u3002<\/li><li>\u5982\u679c\u94f6\u884c\u7684\u4fe1\u8d37\u653f\u7b56\u4ea7\u751f\u4e86\u53d8\u5316\uff0c\u4f8b\u5982\u5f15\u5165\u4e86\u66f4\u4e25\u683c\u7684\u503a\u52a1\u507f\u8fd8\u6807\u51c6\uff0c\u53ef\u80fd\u4f1a\u5bf9\u60a8\u8d37\u6b3e\u91cd\u7ec4\u7684\u80fd\u529b\u4ea7\u751f\u5f71\u54cd\u3002<\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"4-\u4e86\u89e3\u4fe1\u7528\u8bc4\u5206\u5bf9\u8d37\u6b3e\u91cd\u7ec4\u80fd\u529b\u7684\u5f71\u54cd\">4.\u4e86\u89e3\u4fe1\u7528\u8bc4\u5206\u5bf9\u8d37\u6b3e\u91cd\u7ec4\u80fd\u529b\u7684\u5f71\u54cd<\/h2>\n\n\n\n<p>\u5bf9\u4e8e\u4efb\u4f55\u65b0\u7684\u623f\u8d37\u7533\u8bf7\uff0c\u8d37\u6b3e\u65b9\u901a\u5e38\u4f1a\u53c2\u8003\u4fe1\u7528\u62a5\u544a\u673a\u6784\u63d0\u4f9b\u7684\u4fe1\u606f\u6765\u5ba1\u67e5\u60a8\u7684\u4fe1\u7528\u8bc4\u5206\u3002<\/p>\n\n\n\n<p>\u4fe1\u7528\u8bc4\u5206\u4e00\u822c\u662f\u57fa\u4e8e\u51e0\u4e2a\u56e0\u7d20\uff0c\u5305\u62ec\u60a8\u5df2\u4f7f\u7528\u7684\u4fe1\u7528\u989d\u5ea6\u548c\u7c7b\u578b\u3001\u501f\u81ea\u4e8e\u8c01\u4ee5\u53ca\u60a8\u662f\u5426\u6709\u6301\u7eed\u8fd8\u6b3e\u3002\u60a8\u7684\u4fe1\u7528\u8bc4\u5206\u8868\u660e\u4e86\u60a8\u507f\u8fd8\u65b0\u8d37\u6b3e\u7684\u53ef\u80fd\u6027\uff0c\u6240\u4ee5\u5bf9\u4e8e\u8d37\u6b3e\u7533\u8bf7\u975e\u5e38\u91cd\u8981\u3002<\/p>\n\n\n\n<p>\u4fe1\u7528\u8bc4\u5206\u4f4e\u53ef\u80fd\u4e0d\u5229\u4e8e\u60a8\u7684\u8d37\u6b3e\u91cd\u7ec4\u3002\u76f8\u53cd\uff0c\u8f83\u9ad8\u7684\u4fe1\u7528\u8bc4\u5206\u66f4\u5229\u4e8e\u8d37\u6b3e\u91cd\u7ec4\u7533\u8bf7\u3002\u5728\u7533\u8bf7\u8d37\u6b3e\u91cd\u7ec4\u524d\uff0c\u60a8\u6700\u597d\u5148\u67e5\u770b\u4e00\u4e0b\u60a8\u7684\u4fe1\u7528\u8bc4\u5206\u3002\u60a8\u53ef\u4ee5\u4e00\u5e74\u4e00\u6b21\u4ece\u4fe1\u7528\u62a5\u544a\u673a\u6784Equifax, illion\u548cExperian\u83b7\u53d6\u514d\u8d39\u7684\u4fe1\u7528\u62a5\u544a\u526f\u672c\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"\u60a8\u9700\u6ce8\u610f\"><strong>\u60a8\u9700\u6ce8\u610f\uff1a<\/strong><\/h3>\n\n\n\n<p id=\"payment-power\">\u591a\u6b21\u8be2\u95ee\u4fe1\u7528\u8bb0\u5f55\u4f1a\u5bf9\u4fe1\u7528\u8bc4\u5206\u6709\u8d1f\u9762\u5f71\u54cd\u3002\u5982\u679c\u60a8\u8bd5\u56fe\u8fdb\u884c\u8d37\u6b3e\u91cd\u7ec4\u800c\u906d\u5230\u62d2\u7edd\uff0c\u63a5\u7740\u53c8\u5411\u53e6\u4e00\u5bb6\u8d37\u6b3e\u65b9\u63d0\u51fa\u7533\u8bf7\uff0c\u90a3\u4e48\u60a8\u7684\u4fe1\u7528\u8bc4\u5206\u5c31\u53ef\u80fd\u4f1a\u4e0b\u964d\u3002\u56e0\u6b64\uff0c\u60a8\u9700\u8981\u8003\u8651\u501f\u8d37\u4ea7\u54c1\u6700\u9002\u5408\u60a8\uff0c\u5e76\u4e14\u60a8\u6700\u53ef\u80fd\u7b26\u5408\u8d37\u6b3e\u6761\u4ef6\u7684\u8d37\u6b3e\u65b9\u3002\u4e3a\u4e86\u786e\u4fdd\u8fd9\u4e00\u70b9\uff0c<strong><a href=\"https:\/\/cn.abacusfinance.com.au\/contact\" target=\"_blank\" rel=\"noreferrer noopener\">\u534e\u745e\u91d1\u878d<\/a><\/strong>\u7684\u8d37\u6b3e\u7ecf\u7eaa\u4eba\uff08mortgage broker\uff09\u53ef\u4ee5\u4e3a\u60a8\u63d0\u4f9b\u5efa\u8bae\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"5-\u8861\u91cf\u8fd8\u6b3e\u80fd\u529b-\u786e\u4fdd\u6536\u5165\u80fd\u591f\u652f\u4ed8\u65b0\u7684\u8d37\u6b3e\u8fd8\u6b3e\">5.<strong>\u8861\u91cf\u8fd8\u6b3e\u80fd\u529b\uff01\u786e\u4fdd\u6536\u5165\u80fd\u591f\u652f\u4ed8\u65b0\u7684\u8d37\u6b3e\u8fd8\u6b3e<\/strong><\/h2>\n\n\n\n<p>\u60a8\u7684\u503a\u52a1\u6536\u5165\u6bd4\uff08debt-to-income ratio\uff0c\u7b80\u79f0DTI\uff09\u662f\u4e00\u4e9b\u94f6\u884c\u8861\u91cf\u60a8\u507f\u8fd8\u8d37\u6b3e\u80fd\u529b\u7684\u4e00\u79cd\u65b9\u6cd5\u3002<\/p>\n\n\n\n<p>DTI\u7684\u8ba1\u7b97\u65b9\u6cd5\u662f\u60a8\u7684\u603b\u503a\u52a1\uff08\u5305\u62ec\u5176\u4ed6\u8d37\u6b3e\u3001\u4fe1\u7528\u5361\u548c\u900f\u652f\u9650\u989d\uff09\u9664\u4ee5\u60a8\u7684\u5e74\u603b\u6536\u5165\uff08\u7a0e\u524d\uff09\u3002\u8fd9\u9879\u6307\u6807\u4f7f\u94f6\u884c\u53ef\u4ee5\u786e\u5b9a\u60a8\u507f\u8fd8\u8d37\u6b3e\u7684\u53ef\u80fd\u6027\u3002<\/p>\n\n\n\n<p>\u4f8b\u5982\uff0c\u4e00\u5bf9\u592b\u59bb\u7684\u5e74\u6536\u5165\u5408\u8ba1\u4e3a15\u4e07\u6fb3\u5e01\uff0c\u4ed6\u4eec\u60f3\u8d37\u6b3e\u91cd\u7ec4\uff0c\u8d37\u6b3e\u91d1\u989d\u4e3a60\u4e07\u6fb3\u5e01\uff0c\u540c\u65f6\u4ed6\u4eec\u7684\u4fe1\u7528\u5361\u9650\u989d\u662f1.5\u4e07\u6fb3\u5e01\u3002<\/p>\n\n\n\n<p id=\"DTI-METHOD\">\u90a3\u4e48\u4ed6\u4eec\u7684DTI\u8ba1\u7b97\u5982\u4e0b\uff1a\u65b0\u8d37\u6b3e60\u4e07 + \u4fe1\u7528\u53611.5\u4e07=\u603b\u503a\u52a161.5\u4e0761.5\u4e07 \u00f7 15\u4e07 = 4.1 DTI\u4e5f\u5c31\u662f\u8bf4\uff0c\u5bf9\u5e94\u6bcf1\u6fb3\u5e01\u7684\u6536\u5165\uff0c\u8fd9\u5bf9\u592b\u5987\u60f3\u8981\u501f\u8d374.1\u6fb3\u5e01\u3002<\/p>\n\n\n\n<p>\u60a8\u7684DTI \u8d8a\u4f4e\uff0c\u4f5c\u4e3a\u501f\u6b3e\u4eba\u5c31\u8d8a\u6709\u5229\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"\u4ee5\u4e0b\u51e0\u70b9\u5efa\u8bae\u53ef\u4ee5\u5e2e\u52a9\u60a8\u964d\u4f4edti\">\u4ee5\u4e0b\u51e0\u70b9\u5efa\u8bae\u53ef\u4ee5\u5e2e\u52a9\u60a8\u964d\u4f4eDTI\uff1a<\/h3>\n\n\n\n<ul><li>\u51cf\u5c11\u65e5\u5e38\u4e0d\u4f7f\u7528\u7684\u503a\u52a1\u8bbe\u7f6e\u3002<\/li><\/ul>\n\n\n\n<p>&nbsp; &nbsp;\u4f8b\u5982\u5982\u679c\u60a8\u67091.5\u4e07\u4fe1\u7528\u5361\u989d\u5ea6\uff0c\u4f46\u9c9c\u5c11\u4f7f\u7528\uff0c\u90a3\u4e48\u53ef\u4ee5\u8003\u8651\u964d\u4f4e\u989d\u5ea6\u81f3\u4f60\u66f4\u5e38\u7528\u7684\u6c34\u5e73\u3002<\/p>\n\n\n\n<ul><li>\u63d0\u9ad8\u8fd8\u6b3e\u989d\uff0c\u4ee5\u66f4\u5feb\u5730\u51cf\u5c11\u503a\u52a1\u3002<\/li><li>\u5ef6\u540e\u6216\u51cf\u5c11\u8d2d\u4e70\u652f\u51fa\u6765\u907f\u514d\u627f\u62c5\u66f4\u591a\u503a\u52a1\u3002<\/li><\/ul>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"573\" src=\"https:\/\/cn.abacusfinance.com.au\/wp-content\/uploads\/2022\/02\/\u622a\u5c4f2022-02-18-\u4e0b\u53483.39.40-1024x573.png\" alt=\"\u6fb3\u6d32\u8f6c\u8d37\" class=\"wp-image-9870\" srcset=\"https:\/\/cn.abacusfinance.com.au\/wp-content\/uploads\/2022\/02\/\u622a\u5c4f2022-02-18-\u4e0b\u53483.39.40-1024x573.png 1024w, https:\/\/cn.abacusfinance.com.au\/wp-content\/uploads\/2022\/02\/\u622a\u5c4f2022-02-18-\u4e0b\u53483.39.40-300x168.png 300w, https:\/\/cn.abacusfinance.com.au\/wp-content\/uploads\/2022\/02\/\u622a\u5c4f2022-02-18-\u4e0b\u53483.39.40.png 1276w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><figcaption>\u6fb3\u6d32\u8f6c\u8d37<\/figcaption><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"6-\u4e86\u89e3\u8f6c\u8d37\u6d41\u7a0b\">6.<strong>\u4e86\u89e3\u8f6c\u8d37\u6d41\u7a0b<\/strong><\/h2>\n\n\n\n<p>\u65e0\u8bba\u60a8\u662f\u51fa\u4e8e\u4ec0\u4e48\u539f\u56e0\uff0c\u60a8\u90fd\u9700\u8981\u4e86\u89e3\u8d37\u6b3e\u91cd\u7ec4\u7684\u6574\u4f53\u6d41\u7a0b\u548c\u6b65\u9aa4\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"\u7b2c\u4e00\u6b65-\u8ba1\u7b97\u60a8\u7684\u501f\u6b3e\u91d1\u989d\"><strong>\u7b2c\u4e00\u6b65\uff1a\u8ba1\u7b97\u60a8\u7684\u501f\u6b3e\u91d1\u989d<\/strong><\/h3>\n\n\n\n<p>\u60a8\u7684\u501f\u6b3e\u91d1\u989d\u5e94\u8be5\u5305\u62ec\u60a8\u5f53\u524d\u8d37\u6b3e\u9700\u8981\u507f\u8fd8\u7684\u91d1\u989d\uff0c\u4ee5\u53ca\u4efb\u4f55\u7ffb\u65b0\u3001\u503a\u52a1\u6574\u5408\u6216\u5176\u4ed6\u989d\u5916\u8d39\u7528\u3002\u60a8\u53ef\u4ee5\u901a\u8fc7\u67e5\u770b\u7eb8\u8d28\u6216\u5728\u7ebf\u8d26\u6237\u5bf9\u8d26\u5355\uff0c\u786e\u8ba4\u672a\u507f\u8fd8\u8d37\u6b3e\u4f59\u989d\u662f\u591a\u5c11\uff0c\u8fd8\u6b3e\u989d\u662f\u591a\u5c11\u4ee5\u53ca\u591a\u4e45\u507f\u8fd8\u4e00\u6b21\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"\u7b2c\u4e8c\u6b65-\u641c\u96c6\u4fe1\u606f-\u6df1\u601d\u719f\u8651\u540e\u518d\u505a\u51b3\u5b9a\"><strong>\u7b2c\u4e8c\u6b65\uff1a\u641c\u96c6\u4fe1\u606f\uff0c\u6df1\u601d\u719f\u8651\u540e\u518d\u505a\u51b3\u5b9a<\/strong><\/h3>\n\n\n\n<p>\u67e5\u770b\u4e0d\u540c\u8d37\u6b3e\u65b9\u7684\u5229\u7387\u548c\u4f18\u60e0\u653f\u7b56\uff0c\u5e76\u5c06\u5b83\u4eec\u4e0e\u60a8\u5f53\u524d\u7684\u8d37\u6b3e\u8fdb\u884c\u6bd4\u8f83\u3002\u5982\u679c\u60a8\u6ca1\u6709\u65f6\u95f4\u76f4\u63a5\u8054\u7cfb\u8d37\u6b3e\u65b9\uff0c\u60a8\u8fd8\u53ef\u4ee5\u4e0e\u8d37\u6b3e\u7ecf\u7eaa\u4eba\u8ba8\u8bba\u4e0d\u540c\u53ef\u80fd\u6027\uff0c\u9009\u51fa\u6700\u9002\u5408\u60a8\u7684\u65b9\u6848\u3002<\/p>\n\n\n\n<p>\u53ef\u80fd\u5728\u67d0\u4e9b\u60c5\u51b5\u4e0b\uff0c\u7ef4\u6301\u5f53\u524d\u7684\u8d37\u6b3e\u4f1a\u662f\u66f4\u597d\u7684\u9009\u62e9\u3002\u4f8b\u5982\uff0c\u9274\u4e8e\u6240\u6d89\u53ca\u7684\u6210\u672c\uff0c\u653e\u5f03\u5f53\u524d\u56fa\u5b9a\u5229\u7387\u8d37\u6b3e\u4ee5\u8282\u770110\u4e2a\u57fa\u70b9\uff080.10%\uff09\u53ef\u80fd\u5e76\u4e0d\u5212\u7b97\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"\u7b2c\u4e09\u6b65-\u9009\u62e9\u60a8\u7684\u8d37\u6b3e\u6846\u67b6\u7ec4\u6210\"><strong>\u7b2c\u4e09\u6b65\uff1a\u9009\u62e9\u60a8\u7684\u8d37\u6b3e\u6846\u67b6\u7ec4\u6210<\/strong><\/h3>\n\n\n\n<p>\u5982\u679c\u60a8\u4e0d\u786e\u5b9a\u66f4\u7075\u6d3b\u7684\u6d6e\u52a8\u5229\u7387\u8d37\u6b3e\uff08\u901a\u5e38\u8fd8\u4f1a\u540c\u65f6\u6709\u63d0\u73b0\u529f\u80fd\u6216\u5bf9\u51b2\u8d26\u6237\uff09\uff0c\u8fd8\u662f\u56fa\u5b9a\u5229\u7387\u8d37\u6b3e\u66f4\u9002\u5408\u60a8\uff0c\u90a3\u4e48\u60a8\u53ef\u4ee5\u9009\u62e9\u62c6\u5206\u8d37\u6b3e\u3002<\/p>\n\n\n\n<p><br>\\\u60a8\u7684\u623f\u8d37\u5c06\u5206\u6210\u4e24\u4e2a\u8d37\u6b3e\u8d26\u6237\uff0c\u4e00\u4e2a\u56fa\u5b9a\u5229\u7387\u8d26\u6237\u548c\u53e6\u4e00\u4e2a\u6d6e\u52a8\u5229\u7387\u8d26\u6237\uff0c\u517c\u987e\u7075\u6d3b\u6027\u548c\u786e\u5b9a\u6027\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" 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id=\"\u7b2c\u4e94\u6b65-\u8f6c\u8d37\u83b7\u6279\"><strong>\u7b2c\u4e94\u6b65\uff1a\u8f6c\u8d37\u83b7\u6279<\/strong><\/h3>\n\n\n\n<p>\u5f53\u60a8\u7684\u65b0\u8d37\u6b3e\u83b7\u6279\uff0c\u65b0\u7684\u8d37\u6b3e\u65b9\u4f1a\u63d0\u4f9b\u7ed9\u60a8\u65b0\u8d37\u6b3e\u7684\u6587\u4ef6\u3002\u60a8\u5e94\u5f53\u786e\u4fdd\u81ea\u5df1\u4e86\u89e3\u8d37\u6b3e\u534f\u8bae\u4e2d\u7684\u6761\u6b3e\u548c\u6761\u4ef6\uff0c\u5efa\u8bae\u60a8\u5728\u7b7e\u7f72\u524d\u5bfb\u6c42\u72ec\u7acb\u7684\u6cd5\u5f8b\u5efa\u8bae\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" 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style=\"\">Contact Us<\/button>\n\t\t\t<input type=\"hidden\" id=\"form-submit\" name=\"form-submit\" value=\"a912ae3822\" \/><input type=\"hidden\" name=\"_wp_http_referer\" value=\"\/wp-json\/wp\/v2\/posts\/7482\" \/>\t\t\t<input type=\"hidden\" name=\"action\" value=\"coblocks-form-submit\">\n\n\t\t\t\t\t<\/div>\n\n\t\t<\/div>\n\t\t\t\t<input class=\"coblocks-field verify\" aria-label=\"Enter your email address to verify\" type=\"email\" name=\"coblocks-verify-email\" autocomplete=\"off\" placeholder=\"Email\" tabindex=\"-1\">\n\t\t\t\t<input type=\"hidden\" name=\"form-hash\" 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