{"id":693,"date":"2025-07-04T14:29:45","date_gmt":"2025-07-04T06:29:45","guid":{"rendered":"https:\/\/www.alphaloan.co\/blog\/?p=693"},"modified":"2025-07-04T14:29:46","modified_gmt":"2025-07-04T06:29:46","slug":"abroad-student-loan","status":"publish","type":"post","link":"https:\/\/www.alphaloan.co\/blog\/693\/abroad-student-loan\/","title":{"rendered":"2025\u7559\u5b78\u8cb8\u6b3e\u61f6\u4eba\u5305|3\u7a2e\u7559\u5b78\u8cb8\u6b3e5\u7a2e\u65b9\u6848\u5713\u4f60\u7684\u7559\u5b78\u5922\uff01"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">\u6602\u8cb4\u7684\u7559\u5b78\u8cbb\u7528\u662f\u8a31\u591a\u64c1\u6709\u7559\u5b78\u5922\u7684\u4eba\u53ca\u5bb6\u9577\u5011\u982d\u75bc\u7684\u90e8\u5206\uff0c\u96d6\u7136\u7db2\u8def\u4e0a\u6709\u8a31\u591a\u63d0\u4f9b\u8a08\u5b78\u91d1\u88dc\u52a9\u7533\u8acb\u7684\u5fc3\u5f97\u5206\u4eab\u6587\uff0c\u4f46\u7562\u7adf\u734e\u5b78\u91d1\u662f\u6709\u9650\u7684\uff0c\u5373\u4fbf\u62ff\u5230\u4e5f\u96e3\u4ee5\u5e73\u8861\u6240\u6709\u7684\u958b\u652f\uff0c\u9664\u4e86\u6559\u80b2\u90e8\u7559\u5b78\u8cb8\u6b3e\u4e4b\u5916\uff0c\u5404\u5bb6\u9280\u884c\u4e5f\u6709\u63a8\u51fa\u76f8\u5c0d\u4fe1\u8cb8\u512a\u60e0\u7684\u7559\u5b78\u8cb8\u6b3e\u65b9\u6848\uff0c\u672c\u7bc7\u90fd\u5c07\u4e00\u4e00\u8aaa\u660e\u3002<\/p>\n\n\n\n<pre class=\"wp-block-verse\">\ud83d\udd25<a href=\"https:\/\/www.alphaloan.co\/blog\/5hzp\" target=\"_blank\" data-type=\"link\" data-id=\"https:\/\/pse.is\/6v4ms9\" rel=\"noreferrer noopener\">\u6e23\u6253\u4fe1\u8cb8<\/a>\u512a\u60e0\u958b\u8dd1\uff0c\u9996\u671f\u5229\u73870.01%\u8d77\uff0c\u7e3d\u8cbb\u7528\u5e74\u767e\u5206\u73872.59%\u8d77\uff0c\u624b\u7e8c\u8cbb\u901a\u8def\u512a\u60e0\u9650\u66420\u5143\uff01\u53ea\u8981\u6709\u52de\u5065\u4fdd\u8b49\u660e\u90fd\u80fd\u7533\u8acb\uff0c\u6700\u5feb1\u5929\u5c31\u80fd\u6838\u8cb8\uff0c\u5047\u65e5\u4e5f\u80fd\u5b8c\u6210\u64a5\u6b3e\uff01\u7dda\u4e0a\u7c3d\u7d04\u6700\u5feb10\u5206\u9418\u64a5\u6b3e\uff0c<a href=\"https:\/\/www.alphaloan.co\/blog\/5hzp\" target=\"_blank\" data-type=\"link\" data-id=\"https:\/\/pse.is\/6v4ms9\" rel=\"noreferrer noopener\">\u8cc7\u91d1\u9700\u6c42\u5c31\u627e\u6e23\u6253\u4fe1\u8cb8<\/a>\uff01<a href=\"https:\/\/service.standardchartered.com.tw\/Leads\/leads\/PL\/index.aspx?utm_source=Alphaloan_SCBloan09&amp;utm_medium=display&amp;utm_content=-_-&amp;utm_campaign=PL_SCBloan_click&amp;utm_term=0\" data-type=\"link\" data-id=\"https:\/\/pse.is\/6v4ms9\" target=\"_blank\" rel=\"noreferrer noopener\">\u2192<\/a><a href=\"https:\/\/www.alphaloan.co\/blog\/5hzp\" target=\"_blank\" data-type=\"link\" data-id=\"https:\/\/pse.is\/6v4ms9\" rel=\"noreferrer noopener\">\u7acb\u5373\u7533\u8acb<\/a><\/pre>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<pre class=\"wp-block-verse\">\ud83c\udf89 \u6e23\u6253\u4fe1\u8cb8\u9650\u6642\u512a\u60e0\uff0c\u958b\u8fa6\u8cbb 0 \u5143\uff01 \ud83c\udf89<br><br>\u8cb8\u6b3e\u5e74\u5229\u7387\u9996\u671f 0.01%\uff0c\u6700\u9ad8\u984d\u5ea6 600 \u842c\uff01 \u5373\u65e5\u8d77\u81f3 2026\/1\/31 \u6b62\uff0c\u900f\u904e [AlphaLoan \u5c08\u5c6c\u9023\u7d50] \u7533\u8fa6\uff1a<br>\u2705 \u73fe\u7701\u4e00\u7b46\uff01 \u9650\u6642\u512a\u60e0 \u958b\u8fa6\u8cbb 0 \u5143 (\u539f\u50f9 $6,000+) \u2705 \u8cc7\u91d1\u5230\u4f4d\uff01 \u7dda\u4e0a\u7533\u8fa6\u6700\u5feb 5 \u5206\u9418\u64a5\u6b3e\uff0c\u5e74\u524d\u5099\u7528\u91d1\u9996\u9078\u3002\uff0c<a href=\"https:\/\/service.standardchartered.com.tw\/Leads\/leads\/PL\/index.aspx?utm_source=Alphaloan_SCBlo[\u2026]content=-_-&amp;utm_campaign=PL_SCBloan_click&amp;utm_term=0\" target=\"_blank\" rel=\"noreferrer noopener\">\u9ede\u64ca\u9023\u7d50\u67e5\u770b\u6d3b\u52d5\u8fa6\u6cd5<\/a>\u3002<\/pre>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><a href=\"https:\/\/pse.is\/7f2mhy\" target=\"_blank\" rel=\"noreferrer noopener\"><img fetchpriority=\"high\" decoding=\"async\" width=\"970\" height=\"250\" src=\"https:\/\/www.alphaloan.co\/blog\/wp-content\/uploads\/2024\/06\/blog-CTA-20250415.jpg\" alt=\"\" class=\"wp-image-6463\" srcset=\"https:\/\/www.alphaloan.co\/blog\/wp-content\/uploads\/2024\/06\/blog-CTA-20250415.jpg 970w, https:\/\/www.alphaloan.co\/blog\/wp-content\/uploads\/2024\/06\/blog-CTA-20250415-300x77.jpg 300w, https:\/\/www.alphaloan.co\/blog\/wp-content\/uploads\/2024\/06\/blog-CTA-20250415-768x198.jpg 768w\" sizes=\"(max-width: 970px) 100vw, 970px\" \/><\/a><\/figure>\n<\/div>\n\n\n<h2 class=\"wp-block-heading\">\u6559\u80b2\u90e8\u7559\u5b78\u8cb8\u6b3e<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u6559\u80b2\u90e8\u7684\u7559\u5b78\u8cb8\u6b3e\u53ea\u9650\u51fa\u570b\u9032\u4fee\u78a9\/\u535a\u58eb\u5b78\u4f4d\u7684\u7559\u5b78\u751f\uff0c\u4e26<strong>\u4e0d\u9069\u7528<\/strong>\u5b78\u58eb\u5b78\u4f4d\u3001\u904a\u5b78\u3001\u4ea4\u63db\u5b78\u751f\u4ee5\u53ca\u6d77\u5916\u5be6\u7fd2\uff0c\u6b64\u5916\u82e5\u662f\u5230\u5927\u9678\u53ca\u6e2f\u6fb3\u5730\u5340\u6df1\u9020\u7684\u8a71\uff0c\u4e5f<strong>\u4e0d\u5728\u7533\u8acb\u8cc7\u683c\u7bc4\u570d\u5167<\/strong>\u5594\uff01\u904a\u5b78\u8cb8\u6b3e\u53ef\u53c3\u8003<a href=\"https:\/\/www.alphaloan.co\/blog\/744\/working-holiday-loan\/\" data-type=\"post\" data-id=\"744\">\u9752\u5e74\u6d77\u5916\u751f\u6d3b\u9ad4\u9a57\u5c08\u6848\u8cb8\u6b3e<\/a>\u3002<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td>\u9805\u76ee<\/td><td class=\"has-text-align-left\" data-align=\"left\">\u5167\u5bb9<\/td><\/tr><tr><td>\u7533\u8acb\u689d\u4ef6<\/td><td class=\"has-text-align-left\" data-align=\"left\">1. \u51fa\u570b\u7559\u5b78\u4fee\u8b80\u6559\u80b2\u90e8\u63a1\u8a8d\u898f\u5b9a\u5b78\u9662\u4e4b\u78a9\u58eb\u3001\u535a\u58eb\u5b78\u4f4d<br>2. \u5bb6\u5ead\u5e74\u6536\u5165 200 \u842c\u5143\u4ee5\u4e0b \u6216<br>3. \u7559\u5b78\u751f\u53ca\u5144\u5f1f\u59d0\u59b9\u6709 2 \u4eba\u4ee5\u4e0a\u51fa\u570b\u7559\u5b78<br>4. \u9ad8\u4e2d\u7562\u696d\u6216\u53d6\u5f97\u5927\u5b78\u5b78\u4f4d<br>5. \u9700\u6709\u4e00\u4f4d\u914d\u5076\u4ee5\u5916\u3001\u7121\u4fe1\u7528\u4e0d\u826f\u7684\u4fdd\u8b49\u4eba<\/td><\/tr><tr><td>\u7533\u8acb\u9650\u5236<\/td><td class=\"has-text-align-left\" data-align=\"left\">(\u82e5\u6709\u4ee5\u4e0b\u4efb\u4e00\u689d\u4ef6\u5247\u7121\u6cd5\u7533\u8acb)<br>1. \u6559\u80b2\u90e8\u8cb8\u6b3e\u6216\u5176\u4ed6\u5c31\/\u7559\u5b78\u8cb8\u6b3e\u672a\u7d50\u6e05<br>2. \u9818\u6709\u516c\u8cbb\u6216\u7559\u5b78\u734e\u5b78\u91d1\u8005<br>3. \u64a5\u6b3e\u524d\u5df2\u53d6\u5f97\u516c\u8cbb\u6216\u734e\u52a9\u5b78\u91d1<br>4. \u653b\u8b80 \u5b78\u58eb\u5b78\u4f4d\u3001\u904a\u5b78\u3001\u4ea4\u63db\u5b78\u751f\u53ca\u6d77\u5916\u5be6\u7fd2<br>5. \u9078\u64c7\u5927\u9678\u3001\u6e2f\u6fb3\u5730\u5340\u6df1\u9020<\/td><\/tr><tr><td>\u8cb8\u6b3e\u984d\u5ea6<\/td><td class=\"has-text-align-left\" data-align=\"left\"><strong>\u78a9\u58eb\uff1a\u6700\u9ad8 120 \u842c\u3002<\/strong><br>-\u7b2c\u4e00\u5e74\u4e0a\u9650 60 \u842c\u5143<br>-\u7b2c\u4e8c\u5e74\u7d2f\u7a4d\u4e0a\u9650 120 \u842c\u5143<br>-15\u500b\u6708\u5167\u5b8c\u6210\u5b78\u4f4d\u53ef\u4e00\u6b21\u64a5\u6b3e120\u842c<br><strong>\u535a\u58eb\uff1a\u6700\u9ad8 240 \u842c\u5143\u3002<\/strong><br>-\u7b2c\u4e00\u5e74\u4e0a\u9650 80 \u842c\u5143<br>-\u7b2c\u4e8c\u5e74\u7d2f\u7a4d\u4e0a\u9650 160 \u842c\u5143<br>-\u7b2c\u4e09\u5e74\u7d2f\u7a4d\u4e0a\u9650 240 \u842c\u5143<\/td><\/tr><tr><td>\u8cb8\u6b3e\u5229\u7387<\/td><td class=\"has-text-align-left\" data-align=\"left\">\u8cb8\u6b3e\u5229\u7387\u70ba<a href=\"https:\/\/www.alphaloan.co\/blog\/654\/loan-rate-and-interest\/\" data-type=\"post\" data-id=\"654\" target=\"_blank\" rel=\"noreferrer noopener\">\u6a5f\u52d5\u5229\u7387<\/a>\uff1a\u90f5\u653f\u5132\u91d1\u4e00\u5e74\u671f\u5b9a\u671f\u5132\u84c4\u5b58\u6b3e\u6a5f\u52d5\u5229\u7387+\u52a0\u78bc\u6578\u52a0\u7e3d\u8a08\u7b97<br>\u5bec\u9650\u671f\u5167\uff1a 1.685% + 1.4 % = 3.085%<br>\u5bec\u9650\u671f\u5916\uff1a 1.685% + 1.15% = 2.835%<\/td><\/tr><tr><td>\u8cb8\u6b3e\u671f\u9650<\/td><td class=\"has-text-align-left\" data-align=\"left\">\u78a9\u58eb\uff1a\u8cb8\u6b3e\u671f\u9650\u6700\u957712\u5e74\uff08\u542b\u5bec\u9650\u671f3\u5e74\uff09<br>\u535a\u58eb\uff1a\u8cb8\u6b3e\u671f\u9650\u6700\u957716\u5e74\uff08\u542b\u5bec\u9650\u671f5\u5e74\uff09<\/td><\/tr><tr><td>\u5229\u606f\u512a\u60e0<\/td><td class=\"has-text-align-left\" data-align=\"left\">1. \u5bb6\u5ead\u5e74\u6536\u5165 114 \u842c\u4ee5\u4e0b\uff0c\u5bec\u9650\u671f\u5229\u606f\u7531\u653f\u5e9c\u5168\u984d\u88dc\u8cbc\u3002<br>2. \u5bb6\u5ead\u5e74\u6536\u5165 114 \u842c\u5230120 \u842c\u7531\u653f\u5e9c\u8207\u7559\u5b78\u751f\u5e73\u5747\u5206\u6524\u3002<\/td><\/tr><tr><td>\u627f\u8cb8\u9280\u884c<\/td><td class=\"has-text-align-left\" data-align=\"left\"><a href=\"https:\/\/www.bot.com.tw\/business\/loans\/policyloan\/personalpolicyloan\/pages\/eduforeignstuloan.aspx\" target=\"_blank\" rel=\"noreferrer noopener\">\u53f0\u7063\u9280\u884c<\/a>\u3001<a href=\"https:\/\/www.tcb-bank.com.tw\/aboutfinance\/personal_finance\/consumer_intro\/Pages\/policy07_credit_education_student_%E6%95%99%E8%82%B2%E9%83%A8%E8%A3%9C%E5%8A%A9%E7%95%99%E5%AD%B8%E7%94%9F%E8%B2%B8%E6%AC%BE.aspx\" target=\"_blank\" rel=\"noreferrer noopener\">\u5408\u4f5c\u91d1\u5eab\u9280\u884c<\/a>\u3001<a href=\"https:\/\/www.esunbank.com.tw\/bank\/personal\/loan\/other\/abroad\" target=\"_blank\" rel=\"noreferrer noopener\">\u7389\u5c71\u9280\u884c<\/a>\u3001<a href=\"https:\/\/www.fubon.com\/banking\/personal\/student_loan\/student_loan02\/student_loan02.htm\" target=\"_blank\" rel=\"noreferrer noopener\">\u53f0\u5317\u5bcc\u90a6\u9280\u884c<\/a>\u3001<a href=\"https:\/\/www.megabank.com.tw\/personal\/loan\/others\/sa\" target=\"_blank\" rel=\"noreferrer noopener\">\u5146\u8c50\u9280\u884c<\/a>\u3001<a href=\"https:\/\/oi.landbank.com.tw\/product\/15\" target=\"_blank\" rel=\"noreferrer noopener\">\u571f\u5730\u9280\u884c<\/a>\u3001<a href=\"https:\/\/www.ctbcbank.com\/twrbo\/zh_tw\/loan_index\/personal_loan\/personal_loan_project.html\" target=\"_blank\" rel=\"noreferrer noopener\">\u4e2d\u570b\u4fe1\u8a17\u9280\u884c<\/a><\/td><\/tr><tr><td>\u7533\u8acb\u6587\u4ef6<\/td><td class=\"has-text-align-left\" data-align=\"left\">1. \u8eab\u5206\u8b49\uff0b\u5370\u7ae0\uff0b\u6236\u7c4d\u8b04\u672c\/\u6236\u53e3\u540d\u7c3f<br>2. \u8b77\u7167\u5f71\u672c<br>3. \u5728\u5b78\u8b49\u660eor\u5165\u5b78\u901a\u77e5\u8b49\u660e<br>4. \u5168\u6236\u6700\u65b0\u5e74\u5ea6\u7d9c\u5408\u6240\u5f97\u7a05\u5404\u985e\u6240\u5f97\u8cc7\u6599\u6e05\u55ae<br>\u82e5\u7533\u8acb\u4eba\u5df2\u51fa\u570b\u7121\u6cd5\u89aa\u81ea\u8fa6\u7406\uff0c\u9700\u8acb\u59d4\u8a17\u4eba\u5e36\u516c\u8b49\u4eba\u6216\u5916\u4ea4\u90e8\u8a8d\u8b49\u6388\u6b0a\u66f8\uff0c\u4ee5\u53ca\u79fb\u6c11\u7f72\u7684\u7559\u5b78\u751f\u51fa\u5165\u7d00\u9304\u3002<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">*\u6574\u7406\u81ea<a href=\"https:\/\/depart.moe.edu.tw\/ed2500\/News.aspx?n=11C0476A10437757&amp;sms=4CD62546A42046EE\" target=\"_blank\" rel=\"noreferrer noopener\">\u570b\u969b\u53ca\u5169\u5cb8\u6559\u80b2\u53f8<\/a>112\u5e748\u6708\u6700\u65b0\u4fee\u6b63\u8cc7\u8a0a<\/figcaption><\/figure>\n\n\n\n<figure class=\"wp-block-table aligncenter blogtable is-style-regular\"><table class=\"has-fixed-layout\"><tbody><tr><th colspan=\"4\">\u9650\u6642\u512a\u60e0\u4f4e\u5229\u4fe1\u8cb8\u65b9\u6848\u63a8\u85a6<\/th><\/tr><tr><td>&nbsp;<\/td><td class=\"has-text-align-center\" data-align=\"center\"><div class=\"blogCard\"><br><div class=\"blogCard\"><\/div><figure><img decoding=\"async\" width=\"300\" height=\"158\" class=\"alignnone size-full wp-image-8127\" src=\"https:\/\/www.alphaloan.co\/blog\/wp-content\/uploads\/2025\/07\/\u6e23\u6253\u9280\u884c.png\" alt=\"\"><\/figure><p class=\"font_4\" style=\"text-align: center;\"><\/p><p class=\"font_4\" style=\"text-align: center;\">\u6e23\u6253\u9280\u884c\u512a\u60e0\u4fe1\u8cb8<\/p><\/div><\/td><td class=\"has-text-align-center\" data-align=\"center\"><p class=\"font_4\" style=\"text-align: center;\"><img decoding=\"async\" width=\"300\" height=\"158\" class=\"alignnone size-full wp-image-8130\" src=\"https:\/\/www.alphaloan.co\/blog\/wp-content\/uploads\/2025\/07\/\u4e2d\u4fe1.png\" alt=\"\">\u4e2d\u570b\u4fe1\u8a17\u901a\u8def\u9650\u5b9a<\/p><\/td><td class=\"has-text-align-center\" data-align=\"center\"><p><img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"158\" class=\"alignnone size-full wp-image-8128\" src=\"https:\/\/www.alphaloan.co\/blog\/wp-content\/uploads\/2025\/07\/\u5bcc\u90a6logo-300-158.jpg\" alt=\"\"><\/p>\u53f0\u5317\u5bcc\u90a6\u901a\u8def\u512a\u60e0<\/td><\/tr><tr><td>\n<p class=\"font_3\">\u512a\u60e0\u5229\u7387<\/p>\n<\/td><td><p class=\"font_4\">\u9996\u671f0.01%\uff0c\u7b2c2\u671f\u8d772.8%\u8d77<\/p><\/td><td><p class=\"font_4\">\u9996\u671f0.01%\uff0c\u7b2c2\u671f\u8d772.99%\u8d77<\/p><\/td><td><p class=\"font_4\">\u9996\u671f0.01%\u3001\u7b2c\u4e8c\u671f\u8d772.80%\u8d77<\/p><\/td><\/tr><tr><td>\n<p class=\"font_3\">\u6700\u9ad8\u984d\u5ea6<\/p>\n<\/td><td><p class=\"font_4\">600\u842c<\/p><\/td><td><p class=\"font_4\">800\u842c<\/p><\/td><td><p class=\"font_4\">800\u842c<\/p><\/td><\/tr><tr><td>\n<p class=\"font_3\">\u624b\u7e8c\u8cbb<\/p>\n<\/td><td><p class=\"font_4\">\u901a\u8def\u9650\u5b9a 0 \u5143<\/p><\/td><td><p class=\"font_4\">3,000\u5143\u8d77<\/p><\/td><td><p class=\"font_4\">\u901a\u8def\u9650\u5b9a 0 \u5143<\/p><\/td><\/tr><tr><td>\n<p class=\"font_3\">APR<\/p>\n<\/td><td><p class=\"font_4\">2.59%\u8d77<\/p><\/td><td><p class=\"font_4\">3.30%\u8d77<\/p><\/td><td><p class=\"font_4\">2.71%\u8d77<\/p><\/td><\/tr><tr><td>\n<p class=\"font_3\">\u63a8\u85a6\u539f\u56e0<\/p>\n<\/td><td><p class=\"font_4\">\u9996\u671f\u512a\u60e0\u5e74\u5229\u73870.01%<br>\u9650\u6642\u512a\u60e0\u5e33\u7ba1\u8cbbNT$ 0<br>\u5047\u65e5\u4e5f\u53ef\u64a5\u6b3e\uff0c\u96a8\u6642\u96a8\u5730\u6eff\u8db3\u8cc7\u91d1\u9700\u6c42<\/p><\/td><td><p class=\"font_4\">\u5e73\u5747\u904e\u4ef6\u6a5f\u6703\u9ad8<br>\u7dda\u4e0a\u7533\u8acb\u6700\u5feb3\u5206\u9418\u5b8c\u6210\u3001\u71df\u696d\u6642\u9593\u6700\u5feb1\u5c0f\u6642\u64a5\u6b3e<br>\u7b26\u5408\u689d\u4ef6\u514d\u81ea\u884c\u4e0a\u50b3\u8ca1\u529b\u8b49\u660e<\/p><\/td><td><p class=\"font_4\">\u5168\u7a0b\u7dda\u4e0a\u7533\u8acb\u6700\u5feb3\u5206\u9418<br>\u4f7f\u7528\u8edf\u9ad4\u6191\u8b49\u514d\u81ea\u884c\u4e0a\u50b3\u8ca1\u529b\u8b49\u660e<br>\u6700\u5feb1\u5c0f\u6642\u6838\u8cb8 \u7dda\u4e0a\u7c3d\u7d04\u6700\u5feb10\u5206\u9418\u64a5\u6b3e<\/p><\/td><\/tr><tr><td>&nbsp;<\/td><td><a href=\"https:\/\/www.alphaloan.co\/blog\/5hzp\" target=\"_blank\" rel=\"noreferrer noopener\">\u7acb\u5373\u7533\u8acb<\/a><\/td><td><a href=\"https:\/\/www.alphaloan.co\/blog\/ofh8\">\u7acb\u5373\u7533\u8acb<\/a><\/td><td><a href=\"https:\/\/www.alphaloan.co\/blog\/61ry\" target=\"_blank\" rel=\"noreferrer noopener\">\u7acb\u5373\u7533\u8acb<\/a><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">\u81fa\u5317\u5e02\u9752\u5e74\u7559\u5b78\u751f\u5c31\u5b78\u8cb8\u6b3e<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u53f0\u5317\u5e02\u7684\u7559\u5b78\u751f\u8cb8\u6b3e\u662f\u6709\u540d\u984d\u9650\u5236\u7684\uff0c\u6bcf\u5e74\u70ba1,200\u540d\u70ba\u9650\uff08\u78a9\/\u535a\u58eb1,000\u540d \u5c08\u6280\u8b49\u7167\u5247\u70ba200\u540d\uff09\uff0c\u540d\u984d\u548c\u8cb8\u6b3e\u5167\u5bb9\u90fd\u53ef\u4ee5\u67e5\u8a62\u8ca0\u8cac\u7533\u8fa6\u7684<a href=\"https:\/\/www.fubon.com\/banking\/personal\/student_loan\/student_loan01\/student_loan01.htm\" target=\"_blank\" rel=\"noreferrer noopener\">\u5bcc\u90a6\u9280\u884c<\/a>\u3002<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td>\u9805\u76ee<\/td><td class=\"has-text-align-left\" data-align=\"left\">\u5167\u5bb9<\/td><\/tr><tr><td>\u7533\u8acb\u689d\u4ef6<\/td><td class=\"has-text-align-left\" data-align=\"left\">\b1. \u4e2d\u83ef\u6c11\u570b\u570b\u6c11\uff0c\u4e26\u65bc\u7533\u8acb\u8cb8\u6b3e\u65e5\u524d\u5df2\u8a2d\u7c4d\u81fa\u5317\u5e021\u5e74\u4ee5\u4e0a\u3002<br>2. 20\uff5e\u672a\u6eff45\u6b72\u8005\u3002<br>3. \u61c9\u5177\u5b8c\u5168\u884c\u70ba\u80fd\u529b\u53ca\u7121\u4e0d\u826f\u4fe1\u7528\u7d00\u9304\u3002<br>4. \u7559\u5b78\u751f\u6216\u7533\u5831\u7559\u5b78\u751f\u70ba\u53d7\u6276\u990a\u4eba\u4e4b\u7d0d\u7a05\u7fa9\u52d9\u4eba\u7d93\u7a05\u6350\u7a3d\u5fb5\u6a5f\u95dc\u6838\u5b9a\u4e4b\u6700\u8fd11\u5e74\u7d9c\u5408\u6240\u5f97\u6de8\u984d\u672a\u9054 \u8ab2\u7a05\u7d1a\u8ddd30%\u6216\u672a\u9054\u7533\u5831\u6a19\u6e96\u3002<br>5. \u6211\u570b\u653f\u5e9c\u7acb\u6848\u4e4b\u9ad8\u7d1a\u4e2d\u7b49\u5b78\u6821\u53ca\u5927\u5c08\u6821\u9662\u7562\u696d\uff0c\u6216\u5177\u6709\u540c\u7b49\u5b78\u529b\u4e14\u9818\u6709\u8b49\u660e\u6587\u4ef6\u3002<br>6. \u51fa\u570b\u5168\u6642\u4fee\u8b80\u78a9\u3001\u535a\u58eb\u5b78\u4f4d\u6216\u5c08\u6280\u8b49\u7167\u3002\uff08\u4e0d\u542b\u5927\u9678\u5730\u5340\u3001\u9999\u6e2f\u3001\u6fb3\u9580\u53ca\u5176\u5916\u8a2d\u5176\u4ed6\u5730\u5340\u4e4b\u5b78\u6821\u6216\u6a5f\u69cb\uff09<\/td><\/tr><tr><td>\u7533\u8acb\u9650\u5236<\/td><td class=\"has-text-align-left\" data-align=\"left\">1. \u6559\u80b2\u90e8\u8cb8\u6b3e\u6216\u5176\u4ed6\u5c31\/\u7559\u5b78\u8cb8\u6b3e\u672a\u7d50\u6e05\u3002<br>2. \u9818\u6709\u516c\u8cbb\u6216\u7559\u5b78\u734e\u5b78\u91d1\u8005\u3002<\/td><\/tr><tr><td>\u8cb8\u6b3e\u984d\u5ea6<\/td><td class=\"has-text-align-left\" data-align=\"left\"><strong>\u78a9\u58eb&amp;\u5c08\u6280\u8b49\u7167\uff1a\u6700\u9ad8 100 \u842c\u3002<\/strong><br>-\u7b2c\u4e00\u5e74\u4e0a\u9650 75 \u842c\u5143<br>-\u7b2c\u4e8c\u5e74\u7d2f\u7a4d\u4e0a\u9650 100 \u842c\u5143<br>-\u4e00\u5e74\u5236\u5b78\u7a0b\u4e0a\u9650 75 \u842c<strong><br>\u535a\u58eb\uff1a\u6700\u9ad8 200 \u842c\u5143\u3002<\/strong><br>-\u7b2c\u4e00\u5e74\u4e0a\u9650 75 \u842c\u5143<br>-\u7b2c\u4e8c\u5e74\u7d2f\u7a4d\u4e0a\u9650 150 \u842c\u5143<br>-\u7b2c\u4e09\u5e74\u7d2f\u7a4d\u4e0a\u9650 200 \u842c\u5143<\/td><\/tr><tr><td>\u8cb8\u6b3e\u5229\u7387<\/td><td class=\"has-text-align-left\" data-align=\"left\">\u8cb8\u6b3e\u5229\u7387\u70ba<a href=\"https:\/\/www.alphaloan.co\/blog\/654\/loan-rate-and-interest\/\" data-type=\"post\" data-id=\"654\" target=\"_blank\" rel=\"noreferrer noopener\">\u6a5f\u52d5\u5229\u7387<\/a>\uff1a\u90f5\u653f\u5132\u91d1\u4e00\u5e74\u671f\u5b9a\u671f\u5132\u84c4\u5b58\u6b3e\u6a5f\u52d5\u5229\u7387+\u52a0\u78bc\u6578\u52a0\u7e3d\u8a08\u7b97<br><strong>\u78a9\u58eb&amp;\u5c08\u6280\u8b49\u7167\uff1a<\/strong><br>-\u524d2\u5e74\uff1a1.685% +1.4% = 3.085%<br>-\u7b2c3\u5e74\u8d77\uff1a1.685% + 0.9% = 2.585%<br><strong>\u535a\u58eb\uff1a<\/strong><br>-\u524d4\u5e74\uff1a1.685% + 1.4% = 3.085%<br>-\u7b2c5\u5e74\u8d77\uff1a1.685% + 0.9% = 2.585%<\/td><\/tr><tr><td>\u8cb8\u6b3e\u671f\u9650<\/td><td class=\"has-text-align-left\" data-align=\"left\">\u78a9\u58eb&amp;\u5c08\u6280\u8b49\u7167\uff1a\u8cb8\u6b3e\u671f\u9650\u6700\u957710\u5e74\uff08\u542b\u5bec\u9650\u671f3\u5e74\uff09<br>\u535a\u58eb\uff1a\u8cb8\u6b3e\u671f\u9650\u6700\u957716\u5e74\uff08\u542b\u5bec\u9650\u671f5\u5e74\uff09<\/td><\/tr><tr><td>\u5229\u606f\u512a\u60e0<\/td><td class=\"has-text-align-left\" data-align=\"left\">1. \u8cb8\u6b3e\u524d10\u5e74(\u542b\u5bec\u9650\u671f)\u4e4b\u5229\u606f\uff0c\u81fa\u5317\u5e02\u6559\u80b2\u5c40\u6700\u9ad8\u88dc\u52a9\u5168\u984d\u5229\u606f\u3002<br>-\u7533\u5831\u4eba\u6700\u8fd1\u4e00\u5e74\u7d9c\u6240\u7a05\u7a05\u7387&lt;20%\uff1a\u5168\u984d\u88dc\u52a9\u5229\u606f<br>-\u7533\u5831\u4eba\u6700\u8fd1\u4e00\u5e74\u7d9c\u6240\u7a05\u7a05\u7387=20%\uff1a\u534a\u984d\u88dc\u52a9\u5229\u606f<br>2. \u7b2c&nbsp;11\u5e74\u8d77\u4e4b\u5229\u606f\u7531\u501f\u6b3e\u4eba\u81ea\u884c\u8ca0\u64d4\u3002<\/td><\/tr><tr><td>\u627f\u8cb8\u9280\u884c<\/td><td class=\"has-text-align-left\" data-align=\"left\"><a href=\"https:\/\/www.fubon.com\/banking\/personal\/student_loan\/student_loan01\/student_loan01.htm#elements1\" target=\"_blank\" rel=\"noreferrer noopener\">\u53f0\u5317\u5bcc\u90a6\u9280\u884c<\/a><\/td><\/tr><tr><td>\u7533\u8acb\u6587\u4ef6<\/td><td class=\"has-text-align-left\" data-align=\"left\">1. \u8eab\u5206\u8b49\uff0b\u5370\u7ae0\uff0b\u6236\u7c4d\u8b04\u672c\/\u6236\u53e3\u540d\u7c3f<br>2. \u8b77\u7167\u5f71\u672c<br>3. \u5728\u5b78\u8b49\u660eor\u5165\u5b78\u901a\u77e5\u8b49\u660e<br>4. \u5168\u6236\u6700\u65b0\u5e74\u5ea6\u7d9c\u5408\u6240\u5f97\u7a05\u5404\u985e\u6240\u5f97\u8cc7\u6599\u6e05\u55ae<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">\u9280\u884c\u81ea\u8fa6\u7559\u5b78\u8cb8\u6b3e<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u9280\u884c\u81ea\u8fa6\u8cb8\u6b3e\u76f8\u5c0d\u6559\u80b2\u90e8\u53ca\u53f0\u5317\u5e02\u7684\u7559\u5b78\u8cb8\u6b3e\u5bb9\u6613\uff0c\u689d\u4ef6\u9650\u5236\u4e5f\u6c92\u90a3\u9ebc\u591a\uff0c\u50cf\u662f\u8cb8\u6b3e\u7e3d\u984d\u4fbf\u6709\u6a5f\u6703\u80fd\u5920\u8cb8\u5230\u66f4\u591a\uff0c\u7533\u8acb\u5927\u9678\u53ca\u6e2f\u6fb3\u5730\u5340\u7684\u9650\u5236\u4e5f\u6709\u4e9b\u9280\u884c\u662f\u4e0d\u53d7\u9650\u7684\uff0c\u4e5f\u662f3\u7a2e\u7559\u5b78\u8cb8\u6b3e\u4e2d\uff0c\u552f\u4e00\u5c31\u8b80\u5b78\u58eb\u5b78\u7a0b\u4e5f\u80fd\u7533\u8acb\u7684\u5927\u5b78\u7559\u5b78\u8cb8\u6b3e\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f46\u8981\u7279\u5225\u6ce8\u610f\u7684\u662f\u5404\u5bb6\u9280\u884c\u7684\u624b\u7e8c\u8cbb\u548c\u5229\u7387\u6709\u4e9b\u4e0d\u540c\uff0c\u76f8\u8f03\u65bc\u6559\u80b2\u90e8\u548c\u53f0\u5317\u5e02\u7684\u7559\u5b78\u8cb8\u6b3e\uff0c\u5229\u7387\u9084\u662f\u9ad8\u51fa\u4e9b\u8a31\uff0c\u6240\u4ee5\u8981\u4ed4\u7d30\u8a08\u7b97\u904e\u5f8c\u624d\u6703\u66c9\u5f97\u54ea\u4e00\u5bb6\u662f\u6700\u9069\u5408\u81ea\u5df1\u7684\uff0c\u4e14\u56e0\u70ba\u6c92\u6709\u653f\u5e9c\u55ae\u4f4d\u7684\u88dc\u52a9\uff0c\u5728\u8cb8\u6b3e\u5229\u7387\u3001\u5bec\u9650\u671f\u3001\u624b\u7e8c\u8cbb\u7b49\u8cb8\u6b3e\u6210\u672c\u4e0a\u4e5f\u6703\u6bd4\u8f03\u9ad8\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u53f0\u5317\u5bcc\u90a6\u81ea\u8fa6\u7559\u5b78\u751f\u5c31\u5b78\u8cb8\u6b3e<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u5bcc\u90a6\u9280\u884c\u81ea\u8fa6\u7684\u7559\u5b78\u8cb8\u6b3e\u7279\u8272\u662f\uff1a<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>\u5bec\u9650\u671f\u514d\u9084\u672c\uff0c\u4fee\u8b80\u5b78\u58eb\u4ea6\u53ef\u8cb8\u6b3e\uff0c\u52a9\u5b50\u5973\u8f15\u9b06\u5b8c\u6210\u5b78\u696d\u3002<\/li>\n\n\n\n<li>\u9678\u3001\u6e2f\u3001\u6fb3\u5340\u57df\u4e0d\u53d7\u9650\uff0c\u8f15\u9b06\u653b\u8b80\u5168\u7403\u540d\u6821\u3002<\/li>\n\n\n\n<li>\u5df2\u7533\u8fa6\u516c\u8fa6\u7559\u5b78\u8cb8\u6b3e\u4ecd\u53ef\u7533\u8cb8\u3002<\/li>\n<\/ol>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>\u9805\u76ee<\/strong><\/td><td class=\"has-text-align-left\" data-align=\"left\"><strong>\u5167\u5bb9<\/strong><\/td><\/tr><tr><td>\u501f\u6b3e\u4eba\u8cc7\u683c<\/td><td class=\"has-text-align-left\" data-align=\"left\">1. \u5e74\u6eff18\u6b72\u4ee5\u4e0a\u672a\u6eff60\u6b72\u4e4b\u672c\u570b\u570b\u6c11\u3002<br>2. \u501f\u6b3e\u4eba\u9808\u70ba\u7559\u5b78\u751f\u4e4b\u76f4\u7cfb\u4e00\u7b49\u8840\u89aa\u5c0a\u89aa\u5c6c(\u7236\u6216\u6bcd) \/ \u4e09\u7b49\u89aa\u76f4\u7cfb\u6216\u65c1\u7cfb\u8840\u89aa (\u914d\u5076\u4e0d\u5f97\u70ba\u501f\u6b3e\u4eba)\u3002<\/td><\/tr><tr><td>\u7559\u5b78\u751f\u8cc7\u683c<\/td><td class=\"has-text-align-left\" data-align=\"left\">1.\u7559\u5b78\u751f\u9808\u5e74\u6eff18\u6b72\u4ee5\u4e0a\u672a\u6eff40\u6b72\u4e14\u61c9\u5177\u6709\u4e2d\u83ef\u6c11\u570b\u570b\u7c4d\u3002<br>2.\u7559\u5b78\u751f\u65bc\u6211\u570b\u653f\u5e9c\u7acb\u6848\u4e4b\u9ad8\u7d1a\u4e2d\u7b49\u5b78\u6821\u7562\u696d\u8005\uff0c\u61c9\u53d6\u5f97\u9ad8\u4e2d\u5b78\u6b77\uff1b<br>3.\u65bc\u6211\u570b\u653f\u5e9c\u7acb\u6848\u4e4b\u5927\u5c08\u6821\u9662\u7562\u696d\u8005\uff0c\u61c9\u53d6\u5f97\u526f\u5b78\u58eb\u5b78\u4f4d\u3001\u5b78\u58eb\u5b78\u4f4d\u6216\u5177\u6709\u570b\u5167\u540c\u7b49\u5b78\u529b\u8cc7\u683c(\u9808\u7b26\u5408\u570b\u5167\u9ad8\u7d1a\u4e2d\u7b49\u5b78\u6821\u53ca\u5927\u5c08\u6821\u9662\u540c\u7b49\u5b78\u529b\u8a8d\u5b9a\u76f8\u95dc\u898f\u5b9a)\u3002<br>4.\u7559\u5b78\u751f\u9700\u51fa\u570b\u5168\u6642\u4fee\u8b80\u3002<br>5.\u7559\u5b78\u751f\u5c31\u8b80\u4e4b\u5b78\u6821\u9808\u7b26\u5408<strong>\u6559\u80b2\u90e8\u63a1\u8a8d\u898f\u5b9a\u4e4b\u570b\u5916\u5927\u5b78\u9662\u6821\u5b78\u58eb\u3001\u78a9\u58eb\u6216\u535a\u58eb\u5b78\u4f4d<\/strong>\uff1b<br>\u2013<strong>\u5927\u9678\u5730\u5340<\/strong>\u5b78\u6821\u4f9d\u64da\u4e2d\u83ef\u4eba\u6c11\u5171\u548c\u570b\u6559\u80b2\u90e8\u5b98\u65b9\u7db2\u7ad9\u5167\u5168\u570b\u9ad8\u7b49\u5b78\u6821\u4e4b\u666e\u901a\u9ad8\u7b49\u5b78\u6821\u540d\u55ae\u70ba\u6e96\uff08\u4e0d\u5305\u542b\u4e09\u5e74\u5236\u5c08\u79d1\u5b78\u6821\u53ca\u8077\u696d\u6280\u8853\u5b78\u9662\uff09\uff1b<br>\u2013<strong>\u9999\u6e2f\u53ca\u6fb3\u9580\u5730\u5340<\/strong>\u540d\u55ae\u4fc2\u4ee5\u9999\u6e2f\u7279\u5225\u884c\u653f\u5340\u653f\u5e9c\u6559\u80b2\u5c40\u53ca\u6fb3\u9580\u7279\u5225\u884c\u653f\u5340\u653f\u5e9c\u9ad8\u7b49\u6559\u80b2\u5c40\u5b98\u7db2\u4e2d\u63d0\u4f9b\u653b\u8b80\u5b78\u58eb\u5b78\u4f4d\u4ee5\u4e0a\u5b78\u6821\u540d\u55ae\u70ba\u6e96\u3002<\/td><\/tr><tr><td>\u8cb8\u6b3e\u984d\u5ea6<\/td><td class=\"has-text-align-left\" data-align=\"left\"><strong>\u535a\u58eb\uff1a<br><\/strong>-\u975e\u9678\u6e2f\u6fb3\u5730\u5340\uff1a\u6700\u9ad8150\u842c<br>-\u9678\u6e2f\u6fb3\u5730\u5340\uff1a\u6700\u9ad8125\u842c<br><strong>\u78a9\u58eb\uff1a<br><\/strong>-\u975e\u9678\u6e2f\u6fb3\u5730\u5340\uff1a\u6700\u9ad8100\u842c<br>-\u9678\u6e2f\u6fb3\u5730\u5340\uff1a\u6700\u9ad850\u842c<br><strong>\u5b78\u58eb\uff1a<br><\/strong>-\u975e\u9678\u6e2f\u6fb3\u5730\u5340\uff1a\u6700\u9ad8200\u842c<br>-\u9678\u6e2f\u6fb3\u5730\u5340\uff1a\u6700\u9ad880\u842c<\/td><\/tr><tr><td>\u8cb8\u6b3e\u5229\u7387<\/td><td class=\"has-text-align-left\" data-align=\"left\">\u7121\u5bec\u9650\u671f\u4e4b\u5229\u7387\uff1a\u4f9d\u672c\u884c\u6307\u6578\u578b\u623f\u8cb8\u57fa\u6e96\u5229\u7387\u52a0\u78bc2.19\uff05\u6a5f\u52d5\u8a08\u606f(\u7d043.79%)<br>\u5177\u5bec\u9650\u671f\u4e4b\u5229\u7387\uff1a\u4f9d\u672c\u884c\u6307\u6578\u578b\u623f\u8cb8\u57fa\u6e96\u5229\u7387\u52a0\u78bc3.19\uff05\u6a5f\u52d5\u8a08\u606f(\u7d044.79%)<\/td><\/tr><tr><td>\u8cb8\u6b3e\u671f\u9650<\/td><td class=\"has-text-align-left\" data-align=\"left\">\u535a\u58eb\uff1a\u6700\u957711\u5e74(\u542b\u5bec\u9650\u671f4\u5e74)<br>\u78a9\u58eb\uff1a\u6700\u95779\u5e74(\u542b\u5bec\u9650\u671f2\u5e74)<br>\u5b78\u58eb\uff1a\u6700\u957711\u5e74(\u542b\u5bec\u9650\u671f4\u5e74)<\/td><\/tr><tr><td>\u5e33\u52d9\u7ba1\u7406\u8cbb<\/td><td class=\"has-text-align-left\" data-align=\"left\">\u6bcf\u7b46\u65b0\u81fa\u5e635,000\u5143\uff0c\u6b21\u5e74\u7e8c\u64a5\u589e\u8cb8\u514d\u6536\u5e33\u6236\u7ba1\u7406\u8cbb<\/td><\/tr><tr><td>\u7533\u8acb\u6587\u4ef6<\/td><td class=\"has-text-align-left\" data-align=\"left\">1. \u7559\u5b78\u751f\u4e4b\u6709\u6548\u8b77\u7167\u5f71\u672c\u3002<br>2. \u7559\u5b78\u751f\u4e4b\u6211\u570b\u653f\u5e9c\u7acb\u6848\u4e4b\u9ad8\u7d1a\u4e2d\u7b49\u5b78\u6821\u53ca\u5927\u5c08\u6821\u9662\u7562\u696d\u8b49\u66f8\u6216\u570b\u5167\u540c\u7b49\u5b78\u529b\u8b49\u660e\u6587\u4ef6\u3002<br>3. \u501f\u6b3e\u4eba\u570b\u6c11\u8eab\u5206\u8b49\u5f71\u672c\u3002<br>4. \u501f\u6b3e\u4eba\u8ca1\u529b\u53ca\u5de5\u4f5c\u8b49\u660e\u3002<br>5. \u501f\u6b3e\u4eba\u70ba\u7559\u5b78\u751f\u4e09\u7b49\u89aa\u5167\u4e4b\u89aa\u4eba\uff0c\u9700\u63d0\u4f9b\u76f8\u95dc\u8eab\u5206\u8b49\u660e\u6587\u4ef6\u3002<br>(\u9700\u63d0\u4f9b\u7b26\u5408\u7559\u5b78\u751f\u8cc7\u683c\u4e4b\u5b78\u58eb\u3001\u78a9\u58eb\u6216\u535a\u58eb\u73ed\u5165\u5b78\u8a31\u53ef\u6216\u5df2\u5be6\u969b\u51fa\u570b\u5c31\u8b80\u4e4b\u5728\u5b78\u8b49\u660e\u6587\u4ef6\u3002)<br>6. \u82e5\u56e0\u6b20\u7f3a\u8ca1\u529b\u8b49\u660e\u800c\u7121\u6cd5\u53d6\u5f97\u6b63\u5f0f\u5165\u5b78\u8a31\u53ef\u8005\uff0c\u5f97\u4ee5\u539f\u5247\u540c\u610f\u5165\u5b78\u8b49\u660e\u4ee3\u4e4b\u3002<br>7. \u5167\u653f\u90e8\u79fb\u6c11\u7f72\u8fd1\u4e09\u500b\u6708\u5167\u6838\u767c\u4e4b\u7559\u5b78\u751f\u5165\u51fa\u570b\u65e5\u671f\u8b49\u660e\u66f8\u3002<br>\u9280\u884c\u6cd5\u7b2c 33 \u689d\u4e4b 3\u300c\u540c\u4e00\u95dc\u4fc2\u4eba\u300d\u8cc7\u6599\u8868\uff08\u7533\u8acb\u501f\u6b3e\u7e3d\u984d\u5ea6\u65b0\u81fa\u5e63 100 \u842c\u5143\u4ee5\u4e0b\u8005\u514d\u9644\uff09\u3002<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">\u53f0\u7063\u9280\u884c\u81ea\u8fa6\u7559\u5b78\u8cb8\u6b3e<\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>\u9805\u76ee<\/strong><\/td><td class=\"has-text-align-left\" data-align=\"left\"><strong>\u5167\u5bb9<\/strong><\/td><\/tr><tr><td>\u8cb8\u6b3e\u984d\u5ea6<\/td><td class=\"has-text-align-left\" data-align=\"left\">1. \u63d0\u4f9b\u64d4\u4fdd\uff1a\u6700\u9ad8\u65b0\u81fa\u5e63\u4e8c\u767e\u56db\u5341\u842c\u5143\u3002<br>2. \u672a\u63d0\u4f9b\u64d4\u4fdd\uff1a\u6700\u9ad8\u65b0\u81fa\u5e63\u4e00\u767e\u4e8c\u5341\u842c\u5143\uff0c\u552f\u6bcf\u6708\u6524\u9084\u91d1\u984d\u4e0d\u5f97\u8d85\u904e\u501f\u6b3e\u4eba\u6700\u8fd1\u4e00\u5e74\u7d9c\u5408\u6240\u5f97\u6708\u5e73\u5747\u6536\u5165\u4e09\u5206\u4e4b\u4e00\u3002<\/td><\/tr><tr><td>\u8cb8\u6b3e\u5229\u7387<\/td><td class=\"has-text-align-left\" data-align=\"left\">\u6309<a href=\"https:\/\/www.bot.com.tw\/Business\/Loans\/ConsumerLoan\/Pages\/consumer_rate_o.aspx#\" target=\"_blank\" rel=\"noreferrer noopener\">\u672c\u884c\u7559\u5b78\u8cb8\u6b3e\u724c\u544a\u5229\u7387<\/a>\u8a08\u606f\uff1a<br>1. \u63d0\u4f9b\u64d4\u4fdd\uff1a2.764%<br>2. \u672a\u63d0\u4f9b\u64d4\u4fdd\uff1a5.245%<\/td><\/tr><tr><td>\u8cb8\u6b3e\u671f\u9650<\/td><td class=\"has-text-align-left\" data-align=\"left\">\u6700\u9577\u4e94\u5e74<\/td><\/tr><tr><td>\u64d4\u4fdd\u54c1<\/td><td class=\"has-text-align-left\" data-align=\"left\">\u571f\u5730\u53ca\u5efa\u7269<\/td><\/tr><tr><td>\u4fdd\u8b49\u4eba<\/td><td class=\"has-text-align-left\" data-align=\"left\">\u672a\u63d0\u4f9b\u64d4\u4fdd\u8005\u61c9\u63d0\u4f9b\u672c\u884c\u8a8d\u53ef\u4e4b\u4e00\u822c\u4fdd\u8b49\u4eba\u4e00\u4eba<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">\u7533\u8fa6\u54ea\u500b\u7559\u5b78\u8cb8\u6b3e\u6bd4\u8f03\u597d\uff1f<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u7533\u8fa6\u7559\u5b78\u8cb8\u6b3e\u7684\u9078\u64c7 \u53f0\u5317\u5e02\u7559\u5b78\u751f\u8cb8\u6b3e\u2192\u6559\u80b2\u90e8\u7559\u5b78\u8cb8\u6b3e\u2192\u9280\u884c\u81ea\u8fa6\u8cb8\u6b3e\uff0c\u96d6\u7136\u524d\u5169\u9805\u7684\u8cb8\u6b3e\u91d1\u984d\u4e0d\u5982\u81ea\u8fa6\u8cb8\u6b3e\u4f86\u5f97\u591a\uff0c\u4f46\u56e0\u70ba\u63d0\u4f9b\u5229\u606f\u7684\u88dc\u52a9\uff0c\u4e14\u9084\u6b3e\u671f\u9650\u8f03\u9577\uff0c\u56e0\u6b64\u5c0d\u65bc\u7b26\u5408\u8cc7\u683c\u7684\u4eba\u4f86\u8aaa\u9084\u662f\u975e\u5e38\u6709\u5438\u5f15\u529b\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5982\u679c\u5bb6\u9577\u5011\u70ba\u5b50\u5973\u6e96\u5099\u7684\u7559\u5b78\u57fa\u91d1\u4e0d\u8db3\uff0c\u4f46\u4e0d\u7b26\u5408\u653f\u5e9c\u63d0\u4f9b\u7684\u7559\u5b78\u8cb8\u6b3e\u7533\u8fa6\u8cc7\u683c\uff0c\u4e5f\u53ef\u4ee5\u9078\u64c7\u7533\u8acb\u9280\u884c\u4e00\u822c\u4fe1\u7528\u8cb8\u6b3e\uff0c\u53ea\u8981\u5de5\u4f5c\u689d\u4ef6\u3001\u4fe1\u7528\u72c0\u6cc1\u826f\u597d\uff0c\u9078\u5c0d\u9280\u884c\u6700\u4f4e\u53ef\u4ee5\u7533\u8acb\u52301.65%\u7684\u8cb8\u6b3e\u5594\uff01<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><a href=\"https:\/\/pse.is\/7f2mhy\" target=\"_blank\" rel=\"noreferrer noopener\"><img fetchpriority=\"high\" decoding=\"async\" width=\"970\" height=\"250\" src=\"https:\/\/www.alphaloan.co\/blog\/wp-content\/uploads\/2024\/06\/blog-CTA-20250415.jpg\" alt=\"\" class=\"wp-image-6463\" srcset=\"https:\/\/www.alphaloan.co\/blog\/wp-content\/uploads\/2024\/06\/blog-CTA-20250415.jpg 970w, https:\/\/www.alphaloan.co\/blog\/wp-content\/uploads\/2024\/06\/blog-CTA-20250415-300x77.jpg 300w, https:\/\/www.alphaloan.co\/blog\/wp-content\/uploads\/2024\/06\/blog-CTA-20250415-768x198.jpg 768w\" sizes=\"(max-width: 970px) 100vw, 970px\" \/><\/a><\/figure>\n<\/div>\n\n\n<h2 class=\"wp-block-heading\">\u7559\u5b78\u8cb8\u6b3e\u5e38\u898b\u554f\u984cQ&amp;A<\/h2>\n\n\n<div id=\"rank-math-faq\" class=\"rank-math-block\">\n<div class=\"rank-math-list \">\n<div id=\"faq-question-1654770572046\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">Q1. \u53bb\u4e2d\u570b\u3001\u6e2f\u6fb3\u5730\u5340\u7559\u5b78\u53ef\u4ee5\u7533\u8acb\u8cb8\u6b3e\u55ce\uff1f<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>\u4e2d\u6e2f\u6fb3\u5730\u5340\u7559\u5b78\u7684\u8a71\u5c31\u6c92\u8fa6\u6cd5\u7533\u8acb \u6559\u80b2\u90e8\u7559\u5b78\u8cb8\u6b3e \u548c \u81fa\u5317\u5e02\u9752\u5e74\u7559\u5b78\u751f\u5c31\u5b78\u8cb8\u6b3e\uff0c\u50c5\u80fd\u7533\u8acb\u9280\u884c\u81ea\u8fa6\u7684\u7559\u5b78\u4f46\u6b3e\u5594\uff01<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1654770737230\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">Q2. \u8a72\u5982\u4f55\u67e5\u8a62\u7533\u8fa6\u6559\u80b2\u90e8\u7559\u5b78\u8cb8\u6b3e\u8a8d\u5b9a\u7684\u5b78\u6821\uff1f<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>\u5230\u6559\u80b2\u90e8\u570b\u969b\u53ca\u5169\u5cb8\u6559\u80b2\u53f8\u7db2\u9801\u300c\u696d\u52d9\u5c08\u5340\u300d\u5167\u7684\u300c\u6d77\u5916\u7559\u5b78\u300d\uff0c\u9ede\u9078\u300c\u5916\u570b\u5927\u5b78\u6821\u9662\u53c3\u8003\u540d\u518a\u5c08\u5340\u300d\u5c31\u80fd\u67e5\u8a62\u4e86\uff0c\u5feb\u901f\u50b3\u9001\u9023\u7d50\u9ede<a href=\"https:\/\/depart.moe.edu.tw\/ed2500\/News.aspx?n=E8380E03A0E16960&amp;sms=D2E10027BB4EC183\" target=\"_blank\" rel=\"noreferrer noopener\">\u9019\u88e1<\/a>\u3002<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1654771141363\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">Q3. \u4ea4\u63db\u5b78\u751f\u53ef\u4ee5\u7533\u8acb\u7559\u5b78\u8cb8\u6b3e\u55ce\uff1f<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>\u4e0d\u884c\uff0c\u5fc5\u9808\u8981\u662f\u653b\u8b80\u78a9\u3001\u535a\u58eb\u624d\u80fd\u7533\u8acb\u6559\u80b2\u90e8\u7559\u5b78\u8cb8\u6b3e\u3002<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1693386733431\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">Q4. \u5c31\u8b80\u793e\u5340\u5927\u5b78\u53ef\u4ee5\u7533\u8acb\u7559\u5b78\u8cb8\u6b3e\u55ce\uff1f<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>\u53ef\u4ee5\u5594\uff01\u53ea\u8981\u662f\u7576\u5730\u570b\u8a8d\u53ef\u5927\u5b78\u653b\u8b80\u300c\u5b78\u4f4d\u300d\u5373\u53ef\u7533\u8acb\u7559\u5b78\u8cb8\u6b3e\u3002<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1693386778077\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">Q5. \u5c31\u8b80\u5b78\u58eb\u5f8c\u5b78\u7a0b\u53ef\u4ee5\u7533\u8acb\u7559\u5b78\u8cb8\u6b3e\u55ce\uff1f<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>\u4e0d\u884c\uff0c\u5fc5\u9808\u8981\u662f\u653b\u8b80\u5b78\u4f4d\u624d\u80fd\u7533\u8acb\u7559\u5b78\u8cb8\u6b3e\u3002<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n<table>\n<tbody>\n<tr>\n<th colspan=\"4\">\u4fe1\u8cb8\u5229\u7387\u6bd4\u8f03\u8868<\/th>\n<\/tr>\n<tr>\n<td style=\"width: 20%;\">\u9280\u884c<\/td>\n<td style=\"width: 20%;\">\u4fe1\u8cb8\u65b9\u6848<\/td>\n<td style=\"width: 20%;\">\u4fe1\u8cb8\u5229\u7387<\/td>\n<td style=\"width: 40%;\">\u7e3d\u8cbb\u7528\u5e74\u767e\u5206\u7387<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/pse.is\/42mywl\" target=\"_blank\" rel=\"noreferrer noopener\">\u6ed9\u8c50\u9280\u884c<\/a><\/td>\n<td>\u500b\u4eba\u4fe1\u8cb8<\/td>\n<td>0.01%\u8d77<\/td>\n<td>2.54%-15.99% <a href=\"https:\/\/link.alphaloan.co\/8te7fq\" target=\"_blank\" rel=\"noreferrer noopener\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-1840\" style=\"width: 100px;\" src=\"https:\/\/www.alphaloan.co\/blog\/wp-content\/uploads\/2025\/03\/blog_btn_CTA.png\" alt=\"\" width=\"289\" height=\"85\" \/><\/a><\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/pse.is\/47dkub\" target=\"_blank\" rel=\"noopener\">\u53f0\u5317\u5bcc\u90a6<\/a><\/td>\n<td>AlphaLoan\u9650\u6642\u4fe1\u8cb8<\/td>\n<td>0.01%\u8d77<\/td>\n<td>2.71%~14.42% <a href=\"https:\/\/pse.is\/47dkub\" target=\"_blank\" rel=\"noreferrer noopener\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-1840\" style=\"width: 100px;\" src=\"https:\/\/www.alphaloan.co\/blog\/wp-content\/uploads\/2025\/03\/blog_btn_CTA.png\" alt=\"\" width=\"289\" height=\"82\" \/><\/a><\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/pse.is\/4253kz\" target=\"_blank\" rel=\"noreferrer noopener\" data-type=\"URL\" data-id=\"https:\/\/pse.is\/4253kz\">\u51f1\u57fa\u9280\u884c<\/a><\/td>\n<td>AlphaLoan \u5c08\u5c6c\u9650\u6642\u4fe1\u8cb8<\/td>\n<td>0.01%\u8d77<\/td>\n<td>3.17%~16.78% <a href=\"https:\/\/pse.is\/4253kz\" target=\"_blank\" rel=\"noreferrer noopener\"><img decoding=\"async\" class=\"wp-image-1840\" style=\"width: 100px;\" src=\"https:\/\/www.alphaloan.co\/blog\/wp-content\/uploads\/2025\/03\/blog_btn_CTA.png\" alt=\"\" \/><\/a><\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/pse.is\/46h94v\" target=\"_blank\" rel=\"noreferrer noopener\" data-type=\"URL\" data-id=\"https:\/\/pse.is\/46h94v\">\u7389\u5c71\u9280\u884c<\/a><\/td>\n<td>e\u6307\u4fe1\u8cb8AlphaLoan\u7368\u5bb6\u65b9\u6848<\/td>\n<td>0.01%\u8d77<\/td>\n<td>3.21%~15.12% <a href=\"https:\/\/pse.is\/46h94v\" target=\"_blank\" rel=\"noreferrer noopener\"><img decoding=\"async\" class=\"wp-image-1840\" style=\"width: 100px;\" src=\"https:\/\/www.alphaloan.co\/blog\/wp-content\/uploads\/2025\/03\/blog_btn_CTA.png\" alt=\"\" \/><\/a><\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/pse.is\/44rqdh\" target=\"_blank\" rel=\"noreferrer noopener\" data-type=\"URL\" data-id=\"https:\/\/pse.is\/44rqdh\">\u4e2d\u570b\u4fe1\u8a17<\/a><\/td>\n<td>online\u8cb8<\/td>\n<td>0.01%\u8d77<\/td>\n<td>3.33%~14.87% <a href=\"https:\/\/pse.is\/44rqdh\" target=\"_blank\" rel=\"noreferrer noopener\"><img decoding=\"async\" class=\"wp-image-1840\" style=\"width: 100px;\" src=\"https:\/\/www.alphaloan.co\/blog\/wp-content\/uploads\/2025\/03\/blog_btn_CTA.png\" alt=\"\" \/><\/a><\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/pse.is\/4dlq8y\" target=\"_blank\" rel=\"noopener\">\u6c38\u8c50\u9280\u884c<\/a><\/td>\n<td>\u6578\u6642\u8cb8<\/td>\n<td>0.01%\u8d77<\/td>\n<td>2.51%~14.84% <a href=\"https:\/\/pse.is\/4dlq8y\" target=\"_blank\" rel=\"noreferrer noopener\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-1840\" style=\"width: 100px;\" src=\"https:\/\/www.alphaloan.co\/blog\/wp-content\/uploads\/2025\/03\/blog_btn_CTA.png\" alt=\"\" width=\"289\" height=\"85\" \/><\/a><\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/pse.is\/4f5glm\" target=\"_blank\" rel=\"noreferrer noopener\">\u738b\u9053\u9280\u884c<\/a><\/td>\n<td>\u4e00\u822c\u4fe1\u8cb8<\/td>\n<td>2.25%\u8d77<\/td>\n<td>2.25%~16.00% <a href=\"https:\/\/pse.is\/4f5glm\" target=\"_blank\" rel=\"noreferrer noopener\" data-type=\"URL\" data-id=\"https:\/\/pse.is\/4f5glm\"><img decoding=\"async\" class=\"wp-image-1840\" style=\"width: 100px;\" src=\"https:\/\/www.alphaloan.co\/blog\/wp-content\/uploads\/2025\/03\/blog_btn_CTA.png\" alt=\"\" \/><\/a><\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/pse.is\/5sd9ex\" target=\"_blank\" rel=\"noopener\">\u806f\u90a6\u9280\u884c<\/a><\/td>\n<td>\u9214\u671f\u8cb8<\/td>\n<td>0.01%\u8d77<\/td>\n<td>2.42%~14.45%\u00a0<a href=\"https:\/\/pse.is\/5sd9ex\" target=\"_blank\" rel=\"noreferrer noopener\"><img decoding=\"async\" class=\"wp-image-1840\" style=\"width: 100px;\" src=\"https:\/\/www.alphaloan.co\/blog\/wp-content\/uploads\/2025\/03\/blog_btn_CTA.png\" alt=\"\" \/><\/a><\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/pse.is\/5hysjf\" target=\"_blank\" rel=\"noreferrer noopener\">Bankee<\/a><\/td>\n<td><a href=\"https:\/\/pse.is\/5hysjf\" target=\"_blank\" rel=\"noreferrer noopener\">\u6311\u6230\u578b\u4fe1\u8cb8-\u6311\u6230\u6210\u529f50%\u56de\u994b<\/a><\/td>\n<td>4%\u8d77<\/td>\n<td>5.23%~15.34%\u00a0<a href=\"https:\/\/pse.is\/5hysjf\" target=\"_blank\" rel=\"noreferrer noopener\"><img decoding=\"async\" class=\"wp-image-1840\" style=\"width: 100px;\" src=\"https:\/\/www.alphaloan.co\/blog\/wp-content\/uploads\/2025\/03\/blog_btn_CTA.png\" alt=\"\" \/><\/a><\/td>\n<\/tr>\n<\/tbody>\n<\/table>","protected":false},"excerpt":{"rendered":"<p>\u6602\u8cb4\u7684\u7559\u5b78\u8cbb\u7528\u662f\u8a31\u591a\u64c1\u6709\u7559\u5b78\u5922\u7684\u4eba\u53ca\u5bb6\u9577\u5011\u982d\u75bc\u7684\u90e8\u5206\uff0c\u96d6\u7136\u7db2\u8def\u4e0a\u6709\u8a31\u591a\u63d0\u4f9b\u8a08\u5b78\u91d1\u88dc\u52a9\u7533\u8acb\u7684\u5fc3\u5f97\u5206\u4eab\u6587\uff0c\u4f46\u7562\u7adf\u734e\u5b78\u91d1\u662f\u6709\u9650\u7684\uff0c\u5373\u4fbf\u62ff\u5230\u4e5f\u96e3\u4ee5\u5e73\u8861\u6240\u6709\u7684\u958b\u652f\uff0c\u9664\u4e86\u6559\u80b2\u90e8\u7559\u5b78\u8cb8\u6b3e\u4e4b\u5916\uff0c\u5404\u5bb6\u9280\u884c\u4e5f\u6709\u63a8\u51fa\u76f8\u5c0d\u4fe1\u8cb8\u512a\u60e0\u7684\u7559\u5b78\u8cb8\u6b3e\u65b9\u6848\uff0c\u672c\u7bc7\u90fd\u5c07\u4e00\u4e00\u8aaa\u660e\u3002<\/p>\n","protected":false},"author":2,"featured_media":7106,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_eb_attr":"","_featuredTopicCount":0,"_summaryDetailed":"","footnotes":""},"categories":[3],"tags":[124,123,122,121,125],"class_list":["post-693","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bank-loan","tag-124","tag-123","tag-122","tag-121","tag-125"],"fimg_url":"https:\/\/www.alphaloan.co\/blog\/wp-content\/uploads\/2024\/08\/\u7559\u5b78\u8cb8\u6b3e\u61f6\u4eba\u5305.jpg","_links":{"self":[{"href":"https:\/\/www.alphaloan.co\/blog\/wp-json\/wp\/v2\/posts\/693","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.alphaloan.co\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.alphaloan.co\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.alphaloan.co\/blog\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.alphaloan.co\/blog\/wp-json\/wp\/v2\/comments?post=693"}],"version-history":[{"count":16,"href":"https:\/\/www.alphaloan.co\/blog\/wp-json\/wp\/v2\/posts\/693\/revisions"}],"predecessor-version":[{"id":7269,"href":"https:\/\/www.alphaloan.co\/blog\/wp-json\/wp\/v2\/posts\/693\/revisions\/7269"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.alphaloan.co\/blog\/wp-json\/wp\/v2\/media\/7106"}],"wp:attachment":[{"href":"https:\/\/www.alphaloan.co\/blog\/wp-json\/wp\/v2\/media?parent=693"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.alphaloan.co\/blog\/wp-json\/wp\/v2\/categories?post=693"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.alphaloan.co\/blog\/wp-json\/wp\/v2\/tags?post=693"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}