{"id":7329,"date":"2026-09-30T09:26:27","date_gmt":"2026-09-30T01:26:27","guid":{"rendered":"https:\/\/www.spacious.hk\/zh-tw\/blog\/?p=7329"},"modified":"2026-09-30T09:26:27","modified_gmt":"2026-09-30T01:26:27","slug":"%e6%8c%89%e6%8f%ad%e5%a3%93%e5%8a%9b%e6%b8%ac%e8%a9%a6%e8%a6%81%e6%b1%82","status":"publish","type":"post","link":"https:\/\/www.spacious.hk\/zh-tw\/blog\/%e6%8c%89%e6%8f%ad%e5%a3%93%e5%8a%9b%e6%b8%ac%e8%a9%a6%e8%a6%81%e6%b1%82\/","title":{"rendered":"\u4e00\u6587\u770b\u6e05\u58d3\u529b\u6e2c\u8a66\u8981\u6c42\uff01\u4e0a\u8eca\u5fc5\u5b78\uff1a\u501f\u9ad8\u6210\u6578\u907f\u58d3\u6e2c\uff1f"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">\u57282024\u5e742\u6708\u300a\u8ca1\u653f\u9810\u7b97\u6848\u300b\u51fa\u53f0\u3001\u653f\u5e9c\u5ba3\u4f48\u66ab\u505c\u58d3\u529b\u6e2c\u8a66\u524d\uff0c\u6e96\u8cb7\u5bb6\u60f3\u7533\u8acb\u9280\u884c\u6309\u63ed\u3001\u501f\u9322\u8cb7\u6a13\uff0c\u90fd\u8981\u505a\u300c\u58d3\u529b\u6e2c\u8a66\u300d\u3002\u65b0\u624b\u8cb7\u5bb6\u5c0d\u58d3\u6e2c\u6216\u8005\u96f6\u6982\u5ff5\uff0c\u7a76\u7adf\u5e7e\u6642\u8981\u505a\u58d3\u6e2c\u3001\u58d3\u6e2c\u5982\u4f55\u8a08\u7b97\u3001\u8cb7\u6a13\u81ea\u4f4f\u548c\u51fa\u79df\u662f\u5426\u6709\u5206\u5225\u3001\u9996\u7f6e\u514d\u58d3\u6e2c\u5b70\u771f\u5b70\u5047\u3001\u9003\u907f\u58d3\u6e2c\u53c8\u662f\u5426\u53ef\u884c\uff1f\u58d3\u6e2c\u672a\u4f86\u6709\u6a5f\u6703\u91cd\u63a8\u55ce\uff1f\u5373\u8b80\u58d3\u529b\u6e2c\u8a66\u5168\u6307\u5357\uff0c\u505a\u500b\u7cbe\u660e\u7684\u696d\u4e3b\uff01<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u60f3\u7dca\u8cbc\u6a13\u5e02\u52d5\u5411\uff0c\u7acb\u5373\u8ffd\u8e64\u5343\u5c45 <a href=\"https:\/\/www.facebook.com\/spacious.hk\" data-type=\"URL\" data-id=\"https:\/\/www.facebook.com\/spacious.hk\" target=\"_blank\" rel=\"noreferrer noopener\">Facebook<\/a> \u53ca <a href=\"https:\/\/www.instagram.com\/spacious.hk\/?igshid=NTc4MTIwNjQ2YQ%3D%3D\" data-type=\"URL\" data-id=\"https:\/\/www.instagram.com\/spacious.hk\/?igshid=NTc4MTIwNjQ2YQ%3D%3D\" rel=\"noopener\">Instagram<\/a> \u5c08\u9801\uff08@spacious.hk\uff09\uff0c\u638c\u63e1\u6700\u65b0\u5730\u7522\u8cc7\u8a0a\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-css-opacity\"\/>\n\n\n\n<div class=\"wp-block-group has-background\" style=\"background-color:#f7fafb\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<p class=\"has-text-color wp-block-paragraph\" style=\"color:#1d3960\"><strong>\u3010\u6309\u63ed\u653b\u7565\u3011\u7d42\u6975\u6309\u63ed\u6559\u5b78\uff08\u4e0d\u65b7\u66f4\u65b0\uff09<\/strong><\/p>\n\n\n\n<p><strong style=\"color: #1d3960;\" data-rich-text-format-boundary=\"true\">\u3010\u6309\u63ed\u57fa\u672c\u6b65\u3011<\/strong><\/p>\n<ul>\n<li><span style=\"color: #ff8700;\"><a style=\"color: #ff8700;\" href=\"https:\/\/www.spacious.hk\/zh-tw\/blog\/%e9%a6%96%e7%bd%ae%e4%b8%8a%e8%bb%8a-%e6%a8%93%e5%ae%87%e6%8c%89%e6%8f%ad%e6%87%b6%e4%ba%ba%e5%8c%85\/\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"\u3010\u521d\u54e5\u5fc5\u8b80\u3011\u6a13\u5b87\u6309\u63ed\u61f6\u4eba\u5305 2020 (opens in a new tab)\"><strong>\u6a13\u5b87\u6309\u63ed\u61f6\u4eba\u5305<\/strong><\/a><\/span>\uff5c<span style=\"color: #ff8700;\"><strong><a style=\"color: #ff8700;\" href=\"https:\/\/www.spacious.hk\/zh-tw\/blog\/%e6%96%b0%e6%a8%93%e6%8c%89%e6%8f%ad-%e9%8a%80%e8%a1%8cvs%e7%99%bc%e5%b1%95%e5%95%86%e6%8c%89%e6%8f%ad\/\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"\u3010\u65b0\u6a13\u6309\u63ed\u3011\u9280\u884c\u6309\u63ed VS \u767c\u5c55\u5546\u6309\u63ed (opens in a new tab)\">\u9280\u884c\u6309\u63ed VS \u767c\u5c55\u5546\u6309\u63ed<\/a><\/strong><\/span><\/li>\n<li><span style=\"color: #ff8700;\"><strong><a style=\"color: #ff8700;\" href=\"https:\/\/www.spacious.hk\/zh-tw\/blog\/%e3%80%90%e8%b2%b7%e6%a8%93%e7%9f%a5%e5%a4%9a%e5%95%b2%e3%80%91%e5%8d%b3%e4%be%9b%e4%bb%98%e6%ac%be-vs-%e5%bb%ba%e7%af%89%e6%9c%9f%e4%bb%98%e6%ac%be\/\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"\u3010\u65b0\u6a13\u6309\u63ed\u3011\u5373\u4f9b\u4ed8\u6b3e VS \u5efa\u7bc9\u671f\u4ed8\u6b3e\uff08\u542b\u6309\u63ed\u5206\u5225\uff09 (opens in a new tab)\">\u5373\u4f9b\u4ed8\u6b3e VS \u5efa\u7bc9\u671f\u4ed8\u6b3e<\/a><\/strong><\/span><\/li>\n<li><span style=\"color: #ff8700;\"><strong><a href=\"https:\/\/www.spacious.hk\/zh-tw\/blog\/%e5%ae%9a%e6%81%af%e6%8c%89%e6%8f%ad-hkmc%e5%ae%9a%e6%81%af%e6%8c%89%e6%8f%ad%e8%a9%a6%e9%a9%97%e8%a8%88%e5%8a%83%e5%84%aa%e7%bc%ba\/\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"color: #ff8700;\">\u5b9a\u606f\u6309\u63ed<\/span><\/a><\/strong><\/span>\uff5c<span style=\"color: #ff8700;\"><strong><a style=\"color: #ff8700;\" href=\"https:\/\/www.spacious.hk\/zh-tw\/blog\/%e9%8a%80%e8%a1%8c%e6%8c%89%e6%8f%ad-h%e6%8c%89-p%e6%8c%89\/\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"\u3010\u9280\u884c\u6309\u63ed\u3011\u6bd4\u8f03 H \u6309 P \u6309 (opens in a new tab)\">\u6d6e\u606f\u6309\u63ed\uff1a\u6bd4\u8f03 H \u6309 P \u6309<\/a><\/strong><\/span><\/li>\n<li><span style=\"color: #ff8700;\"><strong><a style=\"color: #ff8700;\" href=\"https:\/\/www.spacious.hk\/zh-tw\/blog\/%e6%8c%89%e6%8f%ad%e8%bd%89%e4%bb%8b-%e8%91%97%e6%95%b8-%e4%bc%8f%e4%bd%8d\/\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"\u3010\u6309\u63ed\u8f49\u4ecb\u3011\u76e4\u9ede\u6309\u63ed\u8f49\u4ecb\u8457\u6578\uff06\u4f0f\u4f4d (opens in a new tab)\">\u6309\u63ed\u8f49\u4ecb\u6709\u7121\u4f0f<\/a><\/strong><\/span><\/li>\n<li><strong><span style=\"color: #ff8700;\"><a style=\"color: #ff8700;\" href=\"https:\/\/www.spacious.hk\/zh-tw\/blog\/%e5%af%a6%e9%9a%9b%e5%b9%b4%e5%88%a9%e7%8e%87vs%e6%9c%88%e5%b9%b3%e6%81%af\/\" target=\"_blank\" rel=\"noopener noreferrer\">\u5be6\u969b\u5e74\u5229\u7387 VS \u6708\u5e73\u606f<\/a><\/span><\/strong><\/li>\n<\/ul>\n<p><strong style=\"color: #1d3960;\">\u3010\u501f\u8db3\u6210\u6578\u5fc5\u8b80\u3011<\/strong><\/p>\n<ul>\n<li><a href=\"https:\/\/www.spacious.hk\/zh-tw\/blog\/%e6%9c%80%e9%ab%98%e6%8c%89%e6%8f%ad%e6%88%90%e6%95%b8-%e9%a6%96%e7%bd%ae-%e9%9d%9e%e9%a6%96%e7%bd%ae\/\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"\u6700\u9ad8\u6309\u63ed\u6210\u6578\uff1a\u9996\u7f6e VS \u975e\u9996\u7f6e (opens in a new tab)\"><strong><span style=\"color: #ff8700;\">\u6700\u9ad8\u6309\u63ed\u6210\u6578<\/span><\/strong><\/a><a href=\"https:\/\/www.spacious.hk\/zh-tw\/blog\/%e6%9c%80%e9%ab%98%e6%8c%89%e6%8f%ad%e6%88%90%e6%95%b8-%e9%a6%96%e7%bd%ae-%e9%9d%9e%e9%a6%96%e7%bd%ae\/\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"\u6700\u9ad8\u6309\u63ed\u6210\u6578\uff1a\u9996\u7f6e VS \u975e\u9996\u7f6e (opens in a new tab)\">\uff5c<\/a><strong><span style=\"color: #ff8700;\"><a style=\"color: #ff8700;\" href=\"https:\/\/www.spacious.hk\/zh-tw\/blog\/9%e6%88%90%e6%8c%89%e6%8f%ad-%e7%94%b3%e8%ab%8b%e6%a2%9d%e4%bb%b6-%e5%b8%b8%e8%a6%8b%e5%95%8f%e9%a1%8c-%e9%a6%96%e7%bd%ae%e4%b8%8a%e8%bb%8a\/\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"\u3010\u9996\u7f6e\u30119 \u6210\u6309\u63ed\u7533\u8acb\u689d\u4ef6\uff08\u5e38\u898b\u554f\u984c\uff09 (opens in a new tab)\">\u9996\u7f6e 9 \u6210\u6309\u63ed\u689d\u4ef6<\/a><\/span><\/strong>\uff5c<strong><span style=\"color: #ff8700;\"><a style=\"color: #ff8700;\" href=\"https:\/\/www.spacious.hk\/zh-tw\/blog\/8%e6%88%90%e6%8c%89%e6%8f%ad%e6%87%b6%e4%ba%ba%e5%8c%85\/\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"\u3010\u975e\u9996\u7f6e\u30118 \u6210\u6309\u63ed\u7533\u8acb\u689d\u4ef6\uff08\u5e38\u898b\u554f\u984c\uff09 (opens in a new tab)\">\u975e\u9996\u7f6e 8 \u6210\u6309\u63ed\u689d\u4ef6<\/a><\/span><\/strong><\/li>\n<li><strong><span style=\"color: #ff8700;\"><a style=\"color: #ff8700;\" href=\"https:\/\/www.spacious.hk\/zh-tw\/blog\/%E6%8C%89%E6%8F%AD%E4%BF%9D%E9%9A%AA%E8%A8%88%E5%8A%83%E7%94%B3%E8%AB%8B%E9%A0%88%E7%9F%A5\/\">\u6309\u63ed\u4fdd\u96aa\u8a08\u5283\u9808\u77e5<\/a><\/span><\/strong>\uff5c<strong><span style=\"color: #ff8700;\"><a style=\"color: #ff8700;\" href=\"https:\/\/www.spacious.hk\/zh-tw\/blog\/%e6%8c%89%e6%8f%ad%e4%bf%9d%e9%9a%aa-%e6%8c%89%e6%8f%ad%e4%bf%9d%e8%b2%bb-%e9%80%80%e4%bf%9d\/\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"\u6309\u63ed\u4fdd\u8cbb\u5168\u9762\u7747\uff08\u542b\u9000\u4fdd\u505a\u6cd5\u3001\u5e38\u898b\u88ab\u62d2\u539f\u56e0\uff09 (opens in a new tab)\">\u6309\u63ed\u4fdd\u8cbb\uff06\u9000\u4fdd\u505a\u6cd5<\/a><\/span><\/strong><\/li>\n<li><strong><span style=\"color: #ff8700;\"><a style=\"color: #ff8700;\" href=\"https:\/\/www.spacious.hk\/zh-tw\/blog\/%e6%8c%89%e6%8f%ad%e5%a3%93%e5%8a%9b%e6%b8%ac%e8%a9%a6%e8%a6%81%e6%b1%82\/\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"\u4e00\u6587\u770b\u6e05\u58d3\u529b\u6e2c\u8a66\u8981\u6c42 (opens in a new tab)\">\u58d3\u529b\u6e2c\u8a66\u8981\u6c42<\/a><\/span><\/strong>\uff5c<strong><span style=\"color: #ff8700;\"><a style=\"color: #ff8700;\" href=\"https:\/\/www.spacious.hk\/zh-tw\/blog\/%e4%bf%a1%e8%b2%b8%e5%a0%b1%e5%91%8a-%e5%b8%b8%e8%a6%8b%e5%95%8f%e9%a1%8c-%e6%8f%90%e5%8d%87%e4%bf%a1%e8%b2%b8%e8%a9%95%e5%88%86%e6%96%b9%e6%b3%95\/\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"5 \u62db\u63d0\u5347\u4fe1\u8cb8\u5831\u544a\u8a55\u7d1a (opens in a new tab)\">\u4fe1\u8cb8\u5831\u544a\u8a55\u7d1a<\/a>\u00a0<\/span><\/strong>\uff5c<strong><span style=\"color: #ff8700;\"><a style=\"color: #ff8700;\" href=\"https:\/\/www.spacious.hk\/zh-tw\/blog\/%e3%80%90hkmc%e8%81%b7%e8%83%bd%e3%80%91%e8%aa%8d%e8%ad%98hkmc%e6%8c%89%e6%8f%ad%e5%a6%82%e4%bd%95%e5%b9%ab%e4%bd%a0%e4%b8%8a%e8%bb%8a\/\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"\u3010\u975e\u9996\u7f6e\u30118 \u6210\u6309\u63ed\u7533\u8acb\u689d\u4ef6\uff08\u5e38\u898b\u554f\u984c\uff09 (opens in a new tab)\">HKMC\u8077\u80fd<\/a><\/span><\/strong><\/li>\n<\/ul>\n<p><strong style=\"color: #1d3960;\">\u3010\u8f49\u6309\u653b\u7565\u3011<\/strong><\/p>\n<ul>\n<li><strong><span style=\"color: #ff8700;\"><a style=\"color: #ff8700;\" href=\"https:\/\/www.spacious.hk\/zh-tw\/blog\/%E8%BD%89%E6%8C%89-%E8%91%97%E6%95%B8-%E5%88%A9%E5%BC%8A\/\">\u8f49\u6309\u8457\u6578<\/a><\/span><\/strong>\uff5c<strong><span style=\"color: #ff8700;\"><a style=\"color: #ff8700;\" href=\"https:\/\/www.spacious.hk\/zh-tw\/blog\/%e6%af%94%e8%bc%83%e9%8a%80%e8%a1%8c%e7%bd%b0%e6%81%af%e6%9c%9f\/\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"\u4e00\u8868\u770b\u6e05 20 \u9593\u9280\u884c\u7f70\u606f\u671f\u3001\u7f70\u7387 (opens in a new tab)\">\u9280\u884c\u7f70\u606f\u671f\u6bd4\u8f03<\/a><\/span><\/strong>\uff5c<strong><span style=\"color: #ff8700;\"><a style=\"color: #ff8700;\" href=\"https:\/\/www.spacious.hk\/zh-tw\/blog\/%e6%8c%89%e6%8f%ad-%e7%89%a9%e6%a5%ad%e4%bc%b0%e5%83%b9-%e9%81%bf%e5%85%8d%e4%bc%b0%e5%83%b9%e4%b8%8d%e8%b6%b3\/\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"6 \u62db\u907f\u514d\u4f30\u50f9\u4e0d\u8db3 (opens in a new tab)\">\u907f\u514d\u4f30\u50f9\u4e0d\u8db3<\/a><\/span><\/strong><\/li>\n<\/ul>\n<p><strong style=\"color: #1d3960;\">\u3010\u6bd4\u8f03\u6309\u63ed\u5229\u7387\u53ca\u512a\u60e0\u3011<\/strong><\/p>\n<ul>\n<li><span style=\"color: #ff8700;\"><strong><a style=\"color: #ff8700;\" href=\"https:\/\/www.spacious.hk\/zh-tw\/blog\/%e9%8a%80%e8%a1%8c%e6%8c%89%e6%8f%ad-%e6%8c%89%e6%8f%ad%e5%88%a9%e7%8e%87-%e7%8f%be%e9%87%91%e5%9b%9e%e8%b4%88%e5%a4%a7%e6%af%94%e6%8b%bc\/\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"\u5404\u9280\u884c\u6309\u63ed\u5229\u7387\uff06\u73fe\u91d1\u56de\u8d08\u5927\u6bd4\u62fc (opens in a new tab)\">\u9280\u884c\u6309\u63ed\u5229\u7387\uff06\u73fe\u91d1\u56de\u8d08\u5927\u6bd4\u62fc<\/a><\/strong><\/span>\uff5c<span style=\"color: #ff8700;\"><strong><a style=\"color: #ff8700;\" href=\"https:\/\/www.spacious.hk\/zh-tw\/blog\/%e6%8c%89%e6%8f%ad%e5%9b%9e%e8%b4%88-%e9%8a%80%e8%a1%8c-%e4%b8%ad%e4%bb%8b%e5%9b%9e%e8%b4%88%e6%b3%a8%e6%84%8f%e4%ba%8b%e9%a0%85\/\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"\u9280\u884c\uff06\u4e2d\u4ecb\u56de\u8d08\u6ce8\u610f\u4e8b\u9805 (opens in a new tab)\">\u9280\u884c\uff06\u4e2d\u4ecb\u56de\u8d08\u6ce8\u610f\u4e8b\u9805<\/a><\/strong><\/span><\/li>\n<li><strong><span style=\"color: #ff8700;\"><a style=\"color: #ff8700;\" href=\"https:\/\/www.spacious.hk\/zh-tw\/blog\/mortgage-link-%e9%ab%98%e6%81%af%e6%88%b6%e5%8f%a3-%e6%85%b3%e6%8c%89%e6%8f%ad%e5%88%a9%e7%8e%87\/\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"Mortgage Link \u9ad8\u606f\u6236\u53e3 \u6173\u76e1\u6309\u63ed\u5229\u7387 (opens in a new tab)\">Mortgage Link <\/a><a style=\"color: #ff8700;\" href=\"https:\/\/www.spacious.hk\/zh-tw\/blog\/mortgage-link-%e9%ab%98%e6%81%af%e6%88%b6%e5%8f%a3-%e6%85%b3%e6%8c%89%e6%8f%ad%e5%88%a9%e7%8e%87\/\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"Mortgage Link \u9ad8\u606f\u6236\u53e3 \u6173\u76e1\u6309\u63ed\u5229\u7387 (opens in a new tab)\">\u6309\u63ed\u5b58\u6b3e<\/a><a style=\"color: #ff8700;\" href=\"https:\/\/www.spacious.hk\/zh-tw\/blog\/mortgage-link-%e9%ab%98%e6%81%af%e6%88%b6%e5%8f%a3-%e6%85%b3%e6%8c%89%e6%8f%ad%e5%88%a9%e7%8e%87\/\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"Mortgage Link \u9ad8\u606f\u6236\u53e3 \u6173\u76e1\u6309\u63ed\u5229\u7387 (opens in a new tab)\">\u9ad8\u606f<\/a><a style=\"color: #ff8700;\" href=\"https:\/\/www.spacious.hk\/zh-tw\/blog\/mortgage-link-%e9%ab%98%e6%81%af%e6%88%b6%e5%8f%a3-%e6%85%b3%e6%8c%89%e6%8f%ad%e5%88%a9%e7%8e%87\/\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"Mortgage Link \u9ad8\u606f\u6236\u53e3 \u6173\u76e1\u6309\u63ed\u5229\u7387 (opens in a new tab)\">\u6236\u53e3<\/a><\/span><\/strong><\/li>\n<\/ul>\n<p><strong style=\"color: #1d3960;\">\u3010\u6309\u63ed\u9032\u7d1a\u7248\u3011<\/strong><\/p>\n<ul>\n<li><strong><span style=\"color: #ff8700;\"><a style=\"color: #ff8700;\" href=\"https:\/\/www.spacious.hk\/zh-tw\/blog\/%e6%8c%89%e6%8f%ad%e6%94%bb%e7%95%a5-%e4%bd%95%e8%ac%82%e4%ba%8c%e6%8c%89-%e4%ba%8c%e6%8c%89%e7%94%b3%e8%ab%8b%e6%89%8b%e7%ba%8c\/\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"\u300c\u4e8c\u6309\u300d\u7533\u8acb\u689d\u4ef6\u3001\u624b\u7e8c (opens in a new tab)\">\u5982\u4f55\u4e8c\u6309<\/a><\/span><\/strong>\uff5c<strong><span style=\"color: #ff8700;\"><a style=\"color: #ff8700;\" href=\"https:\/\/www.spacious.hk\/zh-tw\/blog\/%E5%8A%A0%E6%8C%89%E5%9F%BA%E6%9C%AC%E9%A0%88%E7%9F%A5\/\">\u5982\u4f55\u52a0\u6309<\/a><\/span><\/strong><\/li>\n<li><strong><span style=\"color: #ff8700;\"><a style=\"color: #ff8700;\" href=\"https:\/\/www.spacious.hk\/zh-tw\/blog\/%e3%80%90%e5%ae%89%e8%80%81%e6%8c%89%e6%8f%ad%e6%95%99%e5%ae%a4%e3%80%91%e4%bd%a0%e5%95%8f%e6%88%91%e7%ad%94%e5%85%a5%e9%96%80%e6%95%99%e5%ad%b8\/\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"\u5b89\u8001\u6309\u63ed\uff08\u9006\u6309\u63ed\uff09\u5165\u9580\u5168\u653b\u7565 (opens in a new tab)\">\u5b89\u8001\u6309\u63ed\uff08\u9006\u6309\u63ed\uff09\u5165\u9580<\/a><\/span><\/strong>\uff5c<strong><span style=\"color: #ff8700;\"><a style=\"color: #ff8700;\" href=\"https:\/\/www.spacious.hk\/zh-tw\/blog\/%e3%80%90%e5%ae%89%e8%80%81%e6%8c%89%e6%8f%ad%e6%95%99%e5%ae%a4%e3%80%91%e4%ba%94%e5%a4%a7%e5%9c%b0%e9%9b%b7%e4%bd%a0%e8%a6%81%e7%9f%a5\/\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"\u5b89\u8001\u6309\u63ed 5 \u5927\u5730\u96f7\u4f60\u8981\u77e5 (opens in a new tab)\">\u5b89\u8001\u6309\u63ed\u5730\u96f7<\/a><\/span><\/strong><\/li>\n<li><strong><span style=\"color: #ff8700;\"><a style=\"color: #ff8700;\" href=\"https:\/\/www.spacious.hk\/zh-tw\/blog\/%e6%8c%89%e6%8f%ad%e6%93%94%e4%bf%9d%e4%ba%ba%e9%a2%a8%e9%9a%aa%e5%8f%8a%e8%b2%ac%e4%bb%bb\/\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"\u505a\u6309\u63ed\u64d4\u4fdd\u4eba\u524d\u5fc5\u8b80\uff01\u64d4\u4fdd\u8cac\u4efb\uff065 \u5927\u98a8\u96aa (opens in a new tab)\">\u6309\u63ed\u64d4\u4fdd\u4eba\u8cac\u4efb\u8207\u98a8\u96aa<\/a><\/span><\/strong>\uff5c<a href=\"https:\/\/www.spacious.hk\/zh-tw\/blog\/%e8%b2%a0%e8%b3%87%e7%94%a2-call-loan-%e5%89%8d%e5%9b%a0%e5%be%8c%e6%9e%9c\/\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"\u907f\u514d\u6210\u70ba\u300c\u8ca0\u8cc7\u7522\u300d\uff08\u4e00\u6587\u770b\u6e05\u524d\u56e0\u5f8c\u679c\uff09\n (opens in a new tab)\"><strong><span style=\"color: #ff8700;\">\u8ca0\u8cc7\u7522\u524d\u56e0\u5f8c\u679c<\/span><\/strong><br data-rich-text-line-break=\"true\" \/><\/a><\/li>\n<\/ul>\n<p><strong style=\"color: #1d3960;\">\u3010\u5176\u4ed6\u7269\u696d\u6309\u63ed\u3011<\/strong><\/p>\n<ul>\n<li><span style=\"color: #ff8700;\"><strong><a style=\"color: #ff8700;\" href=\"https:\/\/www.spacious.hk\/zh-tw\/blog\/%e6%8c%89%e6%8f%ad%e6%94%bb%e7%95%a5-%e6%9d%91%e5%b1%8b%e6%8c%89%e6%8f%ad%e9%9b%a3%e9%a1%8c\/\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"\u6751\u5c4b\u6309\u63ed (opens in a new tab)\">\u6751\u5c4b\u6309\u63ed<\/a><\/strong><\/span>\uff5c<span style=\"color: #ff8700;\"><strong><a style=\"color: #ff8700;\" href=\"https:\/\/www.spacious.hk\/zh-tw\/blog\/%e4%b8%80%e4%ba%8c%e6%89%8b%e5%b1%85%e5%b1%8b%e6%8c%89%e6%8f%ad%e6%8c%87%e5%8d%97-%e7%99%bd%e5%b1%85%e4%ba%8c%e6%8c%89%e6%8f%ad\/\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"\u4e00\u4e8c\u624b\u5c45\u5c4b\u6309\u63ed\uff08\u542b\u7da0\u8868\u3001\u767d\u8868\u3001\u767d\u5c45\u4e8c\u8cc7\u683c\uff09 (opens in a new tab)\">\u5c45\u5c4b\u6309\u63ed\uff08\u7da0\/\u767d\u8868\/\u767d\u5c45\u4e8c\uff09<\/a><\/strong><\/span>\uff5c<span style=\"color: #ff8700;\"><strong><a style=\"color: #ff8700;\" href=\"https:\/\/www.spacious.hk\/zh-tw\/blog\/%e7%b6%a0%e7%bd%ae%e5%b1%85%e6%8c%89%e6%8f%ad%e6%87%b6%e4%ba%ba%e5%8c%85\/\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"\u7da0\u7f6e\u5c45\u6309\u63ed (opens in a new tab)\">\u7da0\u7f6e\u5c45\u6309\u63ed<\/a><\/strong><\/span><\/li>\n<\/ul>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<hr class=\"wp-block-separator has-css-opacity\"\/>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u7acb\u5373\u8df3\u5f80\uff1a<a class=\"rank-math-link\" href=\"#\u5e7e\u6642\u8981\u505a\u58d3\u6e2c\uff1f\" target=\"_self\" rel=\"noopener noreferrer\">\u5e7e\u6642\u8981\u505a\u58d3\u6e2c\uff1f<\/a>\uff5c<a class=\"rank-math-link\" href=\"#\u8a08\u7b97\u4f9b\u6b3e\u8207\u5165\u606f\u6bd4\u7387\" target=\"_self\" rel=\"noopener noreferrer\">\u8a08\u7b97\u300c\u4f9b\u6b3e\u8207\u5165\u606f\u6bd4\u7387\u300d<\/a>\uff5c<a class=\"rank-math-link\" href=\"#\u4f9b\u6b3e\u8207\u5165\u606f\u6bd4\u7387\u4e0a\u9650\" target=\"_self\" rel=\"noopener noreferrer\">\u4f9b\u6b3e\u8207\u5165\u606f\u6bd4\u7387\u4e0a\u9650<\/a>\uff5c<a class=\"rank-math-link\" href=\"#\u58d3\u529b\u6e2c\u8a66\u8a08\u7b97\u4f8b\u5b50\" target=\"_self\" rel=\"noopener noreferrer\">\u58d3\u529b\u6e2c\u8a66\u8a08\u7b97\u4f8b\u5b50<\/a>\uff5c<a class=\"rank-math-link\" href=\"#\u9996\u7f6e\u514d\u58d3\u6e2c\uff1f\" target=\"_self\" rel=\"noopener noreferrer\">\u9996\u7f6e\u514d\u58d3\u6e2c\uff1f<\/a>\uff5c<a href=\"#\u5e38\u898b\u554f\u984c\">\u5e38\u898b\u554f\u984c<\/a><\/strong><\/p>\n\n\n\n<hr class=\"wp-block-separator has-css-opacity\"\/>\n\n\n\n<hr class=\"wp-block-separator has-text-color has-css-opacity has-background is-style-wide\" style=\"background-color:#cccccc;color:#cccccc\"\/>\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">\u8fd1\u671f\u66f4\u65b0<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u7f8e\u570b\u806f\u5132\u5c40\u516c\u4f48\u8b70\u606f\u7d50\u679c\uff0c\u5c07\u806f\u90a6\u57fa\u91d1\u5229\u7387\u7684\u76ee\u6a19\u5340\u9593\u4e0a\u8abf0.25\u5398\uff0c\u5347\u81f3\u4ecb\u4e4e3.75\u81f34\u5398\u3002\uff082026\u5e749\u6708\uff09<\/li>\n\n\n\n<li>\u7f8e\u570b\u516c\u5e038\u6708\u4efd\u6d88\u8cbb\u7269\u50f9\u6307\u6578\uff08CPI\uff09\u6309\u5e74\u4e0a\u53473.4%\u3002 (2026\u5e749\u6708\uff09<\/li>\n\n\n\n<li>\u7f8e\u570b\u516c\u5e038\u6708\u4efd\u751f\u7522\u8005\u7269\u50f9\u6307\u6578\uff08PPI\uff09\u6309\u5e74\u4e0a\u53475.4%\uff0c\u8f03\u5e02\u5834\u9810\u671f\u76845.3%\u7565\u9ad8\u3002 (2026\u5e749\u6708\uff09<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u91d1\u7ba1\u5c40\u5373\u65e5\u8d77\u66ab\u505c\u5be6\u65bd\u7269\u696d\u6309\u63ed\u8cb8\u6b3e\u5047\u8a2d\u5229\u7387\u4e0a\u5347 200 \u57fa\u9ede\u7684\u58d3\u529b\u6e2c\u8a66\u8981\u6c42\u3002 \uff082024\u5e742\u670828\u65e5\uff09<\/li>\n\n\n\n<li>\u6240\u6709\u4f4f\u5b85\u53ca\u975e\u4f4f\u5b85\u7269\u696d\uff0c\u7121\u8ad6\u7269\u696d\u50f9\u503c\u591a\u5c11\u3001\u662f\u5426\u81ea\u7528\uff0c\u6309\u63ed\u6210\u6578\u4e0a\u9650\u7d71\u4e00\u70ba7\u6210\u3002\uff082024\u5e7410\u6708\uff09<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-text-color has-css-opacity has-background is-style-wide\" style=\"background-color:#cccccc;color:#cccccc\"\/>\n\n\n\n<h2 class=\"wp-block-heading has-text-color\" id=\"\u5e7e\u6642\u8981\u505a\u58d3\u6e2c\uff1f\" style=\"color:#1d3960\">\u5e7e\u6642\u8981\u505a\u58d3\u6e2c\uff1f<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u5728\u91d1\u7ba1\u5c40\u65bc 2024 \u5e74 2 \u6708\u66ab\u505c\u58d3\u529b\u6e2c\u8a66\u8981\u6c42\u524d\uff0c\u9280\u884c\u8981\u505a\u904e\u300c\u6309\u63ed\u6279\u6838\u300d\uff0c\u78ba\u8a8d\u7533\u8acb\u4eba\u6709\u80fd\u529b\u4f9b\u6b3e\uff0c\u624d\u6703\u6279\u51c6\u653e\u8cb8\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u9280\u884c\u70ba\u4e86\u8a55\u4f30\u7533\u8acb\u4eba\u7684\u4f9b\u6b3e\u80fd\u529b\uff0c\u6703\u9032\u884c\u5169\u7a2e\u8a08\u7b97\uff1a<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>\u6309\u7167\u73fe\u884c<a href=\"https:\/\/www.spacious.hk\/zh-tw\/blog\/%E9%8A%80%E8%A1%8C%E6%8C%89%E6%8F%AD-%E6%8C%89%E6%8F%AD%E5%88%A9%E7%8E%87-%E7%8F%BE%E9%87%91%E5%9B%9E%E8%B4%88%E5%A4%A7%E6%AF%94%E6%8B%BC\/\" data-type=\"URL\" data-id=\"https:\/\/www.spacious.hk\/zh-tw\/blog\/%E9%8A%80%E8%A1%8C%E6%8C%89%E6%8F%AD-%E6%8C%89%E6%8F%AD%E5%88%A9%E7%8E%87-%E7%8F%BE%E9%87%91%E5%9B%9E%E8%B4%88%E5%A4%A7%E6%AF%94%E6%8B%BC\/\">\u6309\u63ed\u5229\u7387<\/a>\uff0c\u8a08\u4e00\u8a08\u300c\u4f9b\u6b3e\u8207\u5165\u606f\u6bd4\u7387\u300d\u662f\u5426\u5728\u4e0a\u9650\u4e4b\u5167\uff1b<\/li>\n\n\n\n<li>\u6a21\u64ec\u73fe\u884c\u7684\u6309\u63ed\u5229\u7387\u3010\u52a0 2%\u3011\uff0c\u518d\u8a08\u591a\u6b21\u300c\u4f9b\u6b3e\u8207\u5165\u606f\u6bd4\u7387\u300d\u662f\u5426\u5728\u4e0a\u9650\u4e4b\u5167<\/li>\n<\/ol>\n\n\n\n<hr class=\"wp-block-separator has-css-opacity\"\/>\n\n\n\n<p class=\"wp-block-paragraph\">\u5728\u5f8c\u8005\u7684\u8a08\u7b97\u4e2d\uff0c\u9280\u884c\u6a21\u64ec\u4e86\u6309\u63ed\u884c\u7387\u4e0a\u8abf\u7684\u74b0\u5883\uff0c\u5728\u300c\u52a0 2  \u5398\u300d\u7684\u52a0\u58d3\u60c5\u6cc1\u4e0b\uff0c\u518d\u6e2c\u8a66\u7533\u8acb\u4eba\u662f\u5426\u6709\u5145\u88d5\u7684\u4f9b\u6b3e\u80fd\u529b\uff0c\u9019\u5c31\u662f\u6240\u8b02\u7684\u300c\u58d3\u529b\u6e2c\u8a66\u300d\u4e86\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5728\u9999\u6e2f\uff0c\u9664\u975e\u501f\u7684\u662f<a aria-label=\"\u767c\u5c55\u5546\u6309\u63ed (opens in a new tab)\" class=\"rank-math-link\" href=\"https:\/\/www.spacious.hk\/zh-tw\/blog\/%e6%96%b0%e6%a8%93%e6%8c%89%e6%8f%ad-%e9%8a%80%e8%a1%8cvs%e7%99%bc%e5%b1%95%e5%95%86%e6%8c%89%e6%8f%ad\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u767c\u5c55\u5546\u6309\u63ed<\/a> (\u4f8b\u5982<a aria-label=\"\u547c\u5438 PLAN (opens in a new tab)\" class=\"rank-math-link\" href=\"https:\/\/www.spacious.hk\/zh-tw\/blog\/%e4%bd%95%e8%ac%82%e6%8c%89%e6%8f%ad%e5%91%bc%e5%90%b8plan-%e5%91%bc%e5%90%b8plan%e6%b3%a8%e6%84%8f%e4%bd%8d\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u547c\u5438 PLAN<\/a>)\uff0c\u5927\u6982\u53ea\u5f97\u5169\u7a2e\u4eba\u53ef\u8df3\u904e\u9280\u884c\u58d3\u529b\u6e2c\u8a66\u7684\u95dc\u5361\uff1a<\/p>\n\n\n\n<figure class=\"wp-block-table aligncenter\"><table><thead><tr><th>\u53ef\u514d\u58d3\u6e2c\u4eba\u58eb<\/th><th>\u689d\u4ef6<\/th><\/tr><\/thead><tbody><tr><td>\u7d93<a href=\"https:\/\/www.spacious.hk\/zh-tw\/blog\/%E6%8C%89%E6%8F%AD%E4%BF%9D%E9%9A%AA%E8%A8%88%E5%8A%83%E7%94%B3%E8%AB%8B%E9%A0%88%E7%9F%A5\/\" data-type=\"URL\" data-id=\"https:\/\/www.spacious.hk\/zh-tw\/blog\/%E6%8C%89%E6%8F%AD%E4%BF%9D%E9%9A%AA%E8%A8%88%E5%8A%83%E7%94%B3%E8%AB%8B%E9%A0%88%E7%9F%A5\/\">\u6309\u63ed\u4fdd\u96aa\u8a08\u5283<\/a>\u7533\u8acb\u6a13\u6309\u7684\u9996\u7f6e\u4eba\u58eb<\/td><td>\u6309\u4fdd\u53ea\u63a5\u53d7\u9ad8\u6210\u6578\u7684\u73fe\u6a13\u6309\u63ed\u7533\u8acb (\u8cb7\u6a13\u82b1\u8981<a href=\"https:\/\/www.spacious.hk\/zh-tw\/blog\/%E3%80%90%E8%B2%B7%E6%A8%93%E7%9F%A5%E5%A4%9A%E5%95%B2%E3%80%91%E5%8D%B3%E4%BE%9B%E4%BB%98%E6%AC%BE-vs-%E5%BB%BA%E7%AF%89%E6%9C%9F%E4%BB%98%E6%AC%BE\/\" data-type=\"URL\" data-id=\"https:\/\/www.spacious.hk\/zh-tw\/blog\/%E3%80%90%E8%B2%B7%E6%A8%93%E7%9F%A5%E5%A4%9A%E5%95%B2%E3%80%91%E5%8D%B3%E4%BE%9B%E4%BB%98%E6%AC%BE-vs-%E5%BB%BA%E7%AF%89%E6%9C%9F%E4%BB%98%E6%AC%BE\/\">\u5efa\u7bc9\u671f\u4ed8\u6b3e<\/a>\uff09\uff1b\u8cb7\u5165\u7269\u696d\u53ea\u53ef\u4f5c\u81ea\u4f4f\u7528\u9014<\/td><\/tr><tr><td>\u5408\u8cc7\u683c<a href=\"https:\/\/www.spacious.hk\/zh-tw\/blog\/%E3%80%902022%E5%B1%85%E5%B1%8B%E8%B2%B7%E8%B3%A3%E3%80%91%E5%8F%AF%E4%BE%9B%E7%B6%A0%E8%A1%A8%E7%99%BD%E8%A1%A8%E7%94%B3%E8%AB%8B%E7%9A%84%E8%B3%87%E5%8A%A9%E6%88%BF%E5%B1%8B%E8%A8%88%E5%8A%83\/\" data-type=\"URL\" data-id=\"https:\/\/www.spacious.hk\/zh-tw\/blog\/%E3%80%902022%E5%B1%85%E5%B1%8B%E8%B2%B7%E8%B3%A3%E3%80%91%E5%8F%AF%E4%BE%9B%E7%B6%A0%E8%A1%A8%E7%99%BD%E8%A1%A8%E7%94%B3%E8%AB%8B%E7%9A%84%E8%B3%87%E5%8A%A9%E6%88%BF%E5%B1%8B%E8%A8%88%E5%8A%83\/\">\u7da0\u8868\u767d\u8868\u4eba\u58eb<\/a><\/td><td>\u53ea\u9069\u7528\u65bc\u8cb7<a href=\"https:\/\/www.spacious.hk\/zh-tw\/blog\/%E4%B8%80%E6%89%8B%E5%B1%85%E5%B1%8B%E6%87%B6%E4%BA%BA%E5%8C%85-%E8%B3%87%E6%A0%BC-%E5%85%A5%E6%81%AF-%E7%94%B3%E8%AB%8B%E7%A8%8B%E5%BA%8F\/\" data-type=\"URL\" data-id=\"https:\/\/www.spacious.hk\/zh-tw\/blog\/%E4%B8%80%E6%89%8B%E5%B1%85%E5%B1%8B%E6%87%B6%E4%BA%BA%E5%8C%85-%E8%B3%87%E6%A0%BC-%E5%85%A5%E6%81%AF-%E7%94%B3%E8%AB%8B%E7%A8%8B%E5%BA%8F\/\">\u65b0\u5c45\u5c4b<\/a>\u548c<a href=\"https:\/\/www.spacious.hk\/zh-tw\/blog\/%E7%B6%A0%E7%BD%AE%E5%B1%85%E6%87%B6%E4%BA%BA%E5%8C%85\/\" data-type=\"URL\" data-id=\"https:\/\/www.spacious.hk\/zh-tw\/blog\/%E7%B6%A0%E7%BD%AE%E5%B1%85%E6%87%B6%E4%BA%BA%E5%8C%85\/\">\u7da0\u7f6e\u5c45<\/a><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<hr class=\"wp-block-separator has-css-opacity\"\/>\n\n\n\n<hr class=\"wp-block-separator has-text-color has-css-opacity has-background is-style-wide\" style=\"background-color:#cccccc;color:#cccccc\"\/>\n\n\n\n<h2 class=\"wp-block-heading has-text-color\" id=\"\u8a08\u7b97\u4f9b\u6b3e\u8207\u5165\u606f\u6bd4\u7387\" style=\"color:#1d3960\">\u8a08\u7b97\u300c\u4f9b\u6b3e\u8207\u5165\u606f\u6bd4\u7387\u300d<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u58d3\u6e2c\u524d\u548c\u58d3\u6e2c\u5f8c\uff0c\u9280\u884c\u90fd\u6703\u8a08\u4e00\u8a08\u7533\u8acb\u4eba\u7684\u300c\u4f9b\u6b3e\u8207\u5165\u606f\u6bd4\u7387\u300d\uff08\u53c8\u4f5c\u300c\u4f9b\u6b3e\u6bd4\u7387\u300d\uff0cDebt-to-income ratio, DTI\uff09\u4f5c\u70ba\u9580\u6abb\u6307\u6a19\uff0c\u4ee5\u6c7a\u5b9a\u6309\u63ed\u7533\u8acb\u662f\u5426\u7b26\u5408\u8cc7\u683c\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u90a3\u9ebc DTI \u662f\u5982\u4f55\u8a08\u7b97\u5f97\u4f86\u7684\u5462\uff1f<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u300c\u4f9b\u6b3e\u6bd4\u7387\u300d\uff08DTI\uff09\u7684\u6578\u5f0f\u5176\u5be6\u76f8\u7576\u7c21\u55ae\uff0c\u5373\u662f\u300c\u6bcf\u6708\u4f9b\u6b3e\u300d\u4f54\u300c\u6bcf\u6708\u6536\u5165\u300d\u7684\u767e\u5206\u9ede\u3002<\/strong><\/p>\n\n\n\n<hr class=\"wp-block-separator has-css-opacity\"\/>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"563\" src=\"https:\/\/www.spacious.hk\/zh-tw\/blog\/wp-content\/uploads\/2023\/05\/INFO-DTI-1024x563.png\" alt=\"\u58d3\u529b\u6e2c\u8a66\u8a08\u7b97\" class=\"wp-image-27913\" srcset=\"https:\/\/www.spacious.hk\/zh-tw\/blog\/wp-content\/uploads\/2023\/05\/INFO-DTI-1024x563.png 1024w, https:\/\/www.spacious.hk\/zh-tw\/blog\/wp-content\/uploads\/2023\/05\/INFO-DTI-400x220.png 400w, https:\/\/www.spacious.hk\/zh-tw\/blog\/wp-content\/uploads\/2023\/05\/INFO-DTI-768x422.png 768w, https:\/\/www.spacious.hk\/zh-tw\/blog\/wp-content\/uploads\/2023\/05\/INFO-DTI.png 1200w\" sizes=\"auto, (max-width: 767px) 89vw, (max-width: 1000px) 54vw, (max-width: 1071px) 543px, 580px\" \/><\/figure>\n\n\n\n<hr class=\"wp-block-separator has-css-opacity\"\/>\n\n\n\n<p class=\"wp-block-paragraph\">\u81ea\u5df1\u8a66\u505a\u58d3\u6e2c\uff0c\u6700\u96e3\u8a08\u7684\u5176\u5be6\u662f\u6bcf\u6708\u4f9b\u6b3e\u3002\u60a8\u53ef\u7528<a aria-label=\"\u5343\u5c45\u6309\u63ed\u8a08\u7b97\u6a5f (opens in a new tab)\" href=\"https:\/\/www.spacious.hk\/zh-tw\/%E9%A6%99%E6%B8%AF\/%E6%8C%89%E6%8F%AD\/%E6%8C%89%E6%8F%AD%E8%A8%88%E7%AE%97%E6%A9%9F?from-blog\" target=\"_blank\" rel=\"noreferrer noopener\" class=\"rank-math-link\">\u5343\u5c45\u6309\u63ed\u8a08\u7b97\u6a5f<\/a>\uff0c\u53ea\u8981\u8f38\u5165\u6a13\u50f9\u3001\u9996\u671f\u3001\u6309\u63ed\u5229\u7387\u7b49\u6578\u5b57\uff0c\u4fbf\u53ef\u5f97\u51fa\u6bcf\u6708\u4f9b\u6b3e\u984d\u3002<\/p>\n\n\n\n<div class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<h3 class=\"wp-block-heading has-text-color\" id=\"\u58d3\u529b\u6e2c\u8a66\u672a\u5fc5\u8ddf\u7533\u8acb\u6210\u6578\u8a08\u7b97\" style=\"color:#1d3960\">\u58d3\u529b\u6e2c\u8a66\u672a\u5fc5\u8ddf\u7533\u8acb\u6210\u6578\u8a08\u7b97<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u58d3\u529b\u6e2c\u8a66\u8981\u8a08\u300c\u4f9b\u6b3e\u8207\u5165\u606f\u6bd4\u7387\u300d\uff0c\u7576\u4e2d\u6240\u6307\u7684\u300c\u6309\u63ed\u4f9b\u6b3e\u300d\uff0c\u5728\u5927\u90e8\u5206\u7684\u60c5\u6cc1\u4e0b\uff0c\u6703\u6839\u64da\u7533\u8acb\u4eba\u60f3\u501f\u7684\u6574\u7b46\u8cb8\u6b3e\u984d\uff0c\u4f86\u8a08\u7b97\u6708\u4f9b\u6b3e\u9805\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u552f\u4e00\u7684\u4f8b\u5916\uff0c\u5c31\u662f\u4ee5<a aria-label=\"\u9996\u7f6e\u8eab\u4efd (opens in a new tab)\" class=\"rank-math-link\" href=\"https:\/\/www.spacious.hk\/zh-tw\/blog\/9%e6%88%90%e6%8c%89%e6%8f%ad-%e7%94%b3%e8%ab%8b%e6%a2%9d%e4%bb%b6-%e5%b8%b8%e8%a6%8b%e5%95%8f%e9%a1%8c-%e9%a6%96%e7%bd%ae%e4%b8%8a%e8%bb%8a\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u9996\u7f6e\u8eab\u4efd<\/a>\uff0c\u900f\u904e\u6309\u63ed\u4fdd\u96aa\u8a08\u5283\u8cb7\u6a13\u3002\u5728\u653f\u5e9c\u5c07\u7269\u696d\u6309\u63ed\u6210\u6578\u4e0a\u9650\u7d71\u4e00\u8abf\u6574\u81f37\u6210\u4e4b\u524d\uff0c\u666e\u904d\u6309\u63ed\u4e0a\u9650\u70ba6\u6210\u3002\u800c\u6309\u4fdd\u8a08\u5283\uff0c\u53ef\u4ee5\u6709\u6548\u70ba\u9280\u884c 6 \u6210\u6309\u63ed\u4ee5\u5916\u7684\u8cb8\u6b3e\u984d\u63d0\u4f9b\u4fdd\u969c\uff1b\u7406\u8ad6\u4e0a\uff0c\u5c0d\u9280\u884c\u800c\u8a00\uff0c\u6279 6 \u6210\u6309\u63ed\u548c\u6279 8 \u6210\u6309\u63ed\u7684\u98a8\u96aa\u7406\u61c9\u662f\u4e00\u6a23\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u56e0\u6b64\uff0c\u6709\u9b06\u624b\u7684\u9280\u884c\u53ea\u8a08\u501f 6 \u6210\u6309\u63ed\u7684\u300c\u6bcf\u6708\u4f9b\u6b3e\u300d\u3002\u81f3\u65bc\u9280\u884c\u5be6\u969b\u6703\u7528\u54ea\u4e00\u7a2e\u8a08\u6cd5\uff0c\u5efa\u8b70\u7533\u8acb\u4eba\u5411\u500b\u5225\u9280\u884c\u518d\u4f5c\u78ba\u8a8d\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u6ce8\u610f\uff0c\u91d1\u7ba1\u5c40\u5df2\u65bc2024\u5e742\u670828\u65e5\u66ab\u505c\u58d3\u529b\u6e2c\u8a66\u8981\u6c42\u3002<\/p>\n<\/div><\/div>\n\n\n\n<hr class=\"wp-block-separator has-css-opacity\"\/>\n\n\n\n<p class=\"has-text-color has-background wp-block-paragraph\" style=\"color:#ff8700;background-color:#f7fafb\"><a href=\"https:\/\/www.spacious.hk\/zh-tw\/%E9%A6%99%E6%B8%AF\/%E4%B8%8A%E8%BB%8A%E7%9B%A4?from-blog\"><strong>\u3010\u6700\u65b0\u6a13\u76e4\u3011\u641c\u5c0b 600 \u842c\u5167\u4e0a\u8eca\u76e4 \u2192<\/strong><\/a><\/p>\n\n\n\n<hr class=\"wp-block-separator has-css-opacity\"\/>\n\n\n\n<hr class=\"wp-block-separator has-text-color has-css-opacity has-background is-style-wide\" style=\"background-color:#cccccc;color:#cccccc\"\/>\n\n\n\n<h2 class=\"wp-block-heading has-text-color\" id=\"\u4f9b\u6b3e\u8207\u5165\u606f\u6bd4\u7387\u4e0a\u9650\" style=\"color:#1d3960\">\u4f9b\u6b3e\u8207\u5165\u606f\u6bd4\u7387\u4e0a\u9650<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u5c0d\u65bc\u58d3\u529b\u6e2c\u8a66\u524d \/ \u58d3\u529b\u6e2c\u8a66\u5f8c\u7684\u5169\u7a2e\u4e0d\u540c\u60c5\u6cc1\uff0c\u9280\u884c\u5747\u8a2d\u6709\u6307\u5b9a\u7684 DTI \u4e0a\u9650\u3002\u5982\u7533\u8acb\u8d85\u51fa\u4e86\u4e0a\u9650\u8981\u6c42\uff0c\u9280\u884c\u4fbf\u6703\u6e1b\u4f4e\u653e\u8cb8\u6210\u6578\uff0c\u751a\u81f3\u62d2\u7d55\u7533\u8acb\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u7136\u800c\uff0c\u4f9b\u6b3e\u8207\u5165\u606f\u6bd4\u7387\u4e0d\u662f\u4eba\u4eba\u5283\u4e00\uff0c\u9280\u884c\u6703\u56e0\u4e0d\u540c\u56e0\u7d20\uff0c\u9010\u6b65\u6536\u7dca DTI \u4e0a\u9650\uff0c\u4f8b\u5982\uff1a<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>\u7269\u696d\u4e0d\u662f\u81ea\u4f4f\uff0c\u800c\u7528\u4f5c\u51fa\u79df\uff1a\u300a\u65bd\u653f\u5831\u544a2024\u300b\u6700\u65b0\u5bb9\u8a31\u51fa\u79df\u7269\u696d DTI \u4e0a\u9650\u70ba50%\uff0c\u4f46\u65b0\u820a\u7269\u696d\u7684\u4f9b\u6b3e\u9700\u4e00\u4f75\u8a08\u5165 DTI \u5167\uff1b\u800c\u5728\u300a\u65bd\u653f\u5831\u544a2024\u300b\u5ba3\u4f48\u653e\u5bec DTI \u9650\u5236\u524d\uff0c\u975e\u81ea\u7528\u7269\u696d\u7684 DTI \u4e0a\u9650\u66f4\u662f\u6703\u88ab\u4e0b\u8abf 10%\uff0c\u5373\u6700\u9ad8\u53ea\u80fd\u5230 40%<\/li>\n\n\n\n<li>\u6709\u672a\u4f9b\u5b8c\u6309\u63ed\ufe30\u300a\u65bd\u653f\u5831\u544a2024\u300b\u653e\u5bec\u9650\u5236\u524d\uff0c\u5982\u7533\u8acb\u4eba\u6709\u5c31\u5176\u4ed6\u7269\u696d\u501f\u6309\u63ed\u8cb8\u6b3e\u6216\u505a<a aria-label=\"\u64d4\u4fdd\u4eba (opens in a new tab)\" class=\"rank-math-link\" href=\"https:\/\/www.spacious.hk\/zh-tw\/blog\/%e6%8c%89%e6%8f%ad%e6%93%94%e4%bf%9d%e4%ba%ba%e9%a2%a8%e9%9a%aa%e5%8f%8a%e8%b2%ac%e4%bb%bb\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u64d4\u4fdd\u4eba<\/a>\uff0c\u5305\u62ec<a href=\"https:\/\/www.spacious.hk\/zh-tw\/blog\/%E9%A6%96%E7%BD%AE%E4%B8%8A%E8%BB%8A-%E6%A8%93%E5%AE%87%E6%8C%89%E6%8F%AD%E6%87%B6%E4%BA%BA%E5%8C%85\/\" data-type=\"URL\" data-id=\"https:\/\/www.spacious.hk\/zh-tw\/blog\/%E9%A6%96%E7%BD%AE%E4%B8%8A%E8%BB%8A-%E6%A8%93%E5%AE%87%E6%8C%89%E6%8F%AD%E6%87%B6%E4%BA%BA%E5%8C%85\/\">\u6a13\u5b87\u6309\u63ed<\/a>\u3001<a href=\"https:\/\/www.spacious.hk\/zh-tw\/blog\/%E8%BB%8A%E4%BD%8D%E6%8C%89%E6%8F%AD%E6%87%B6%E4%BA%BA%E5%8C%85-%E6%9C%80%E9%AB%98%E6%88%90%E6%95%B8-%E8%BB%8A%E4%BD%8D%E5%A3%93%E6%B8%AC\/\" data-type=\"URL\" data-id=\"https:\/\/www.spacious.hk\/zh-tw\/blog\/%E8%BB%8A%E4%BD%8D%E6%8C%89%E6%8F%AD%E6%87%B6%E4%BA%BA%E5%8C%85-%E6%9C%80%E9%AB%98%E6%88%90%E6%95%B8-%E8%BB%8A%E4%BD%8D%E5%A3%93%E6%B8%AC\/\">\u8eca\u4f4d\u6309\u63ed<\/a>\u7b49\uff0cDTI \u4e0a\u9650\u9808\u4e0b\u8abf 10%<\/li>\n\n\n\n<li>\u6536\u5165\u4f86\u6e90\u4e0d\u662f\u9999\u6e2f\uff08DTI \u4e0a\u9650\u4e0b\u8abf 5 &#8211; 10%\uff09<\/li>\n<\/ol>\n\n\n\n<h3 class=\"wp-block-heading has-text-color\" id=\"\u81ea\u4f4f\u7269\u696d\u4f9b\u6b3e\u8207\u5165\u606f\u6bd4\u7387\" style=\"color:#1d3960\">\u3010\u81ea\u4f4f\u7269\u696d\u3011\u4f9b\u6b3e\u8207\u5165\u606f\u6bd4\u7387<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u5982\u8cb7\u5165\u7269\u696d\u4f5c\u81ea\u4f4f\u7528\u9014\uff0c\u4e0d\u540c\u6a13\u50f9\u7684\u53ef\u501f\u6309\u63ed\u6210\u6578\uff0c\u6700\u65b0\u53ef\u53c3\u8003\u4e0b\u8868\uff1a<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><thead><tr><th>\u81ea\u4f4f\u7269\u696d\u4e14&#8230;<\/th><th>\u6a13\u50f9<\/th><th>\u6309\u63ed<br>\u6210\u6578 (\u4e0d\u5305\u62ec\u6309\u4fdd)<\/th><\/tr><\/thead><tbody><tr><td>\u7121\u672a\u4f9b\u5b8c\u6309\u63ed<\/td><td>&lt; $3,000 \u842c<\/td><td> 7 \u6210<\/td><\/tr><tr><td>\u7121\u672a\u4f9b\u5b8c\u6309\u63ed<\/td><td>$3,000 \u842c &#8211; $3,500 \u842c<br>\uff08\u8cb8\u6b3e\u4e0a\u9650\u70ba $2,100 \u842c)<\/td><td>6 &#8211; 7 \u6210<\/td><\/tr><tr><td>\u7121\u672a\u4f9b\u5b8c\u6309\u63ed<\/td><td>&gt; $3,500 \u842c<\/td><td>6 \u6210<\/td><\/tr><tr><td>\u6709\u672a\u4f9b\u5b8c\u6309\u63ed<\/td><td>&lt; $3,000 \u842c<\/td><td>6 \u6210<\/td><\/tr><tr><td>\u6709\u672a\u4f9b\u5b8c\u6309\u63ed<\/td><td>$3,000 \u842c &#8211; $3,500 \u842c<\/td><td>5 &#8211; 6 \u6210<\/td><\/tr><tr><td>\u6709\u672a\u4f9b\u5b8c\u6309\u63ed<\/td><td>&gt; $3,500 \u842c<\/td><td>5 \u6210<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">\u6ce8\u610f\uff1a\u91d1\u7ba1\u5c40\u65bc 2024 \u5e74 2 \u6708 28 \u65e5\u516c\u5e03\u66ab\u505c\u58d3\u529b\u6e2c\u8a66\u8981\u6c42\u3002<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading has-text-color\" id=\"\u51fa\u79df\u7269\u696d\u4f9b\u6b3e\u8207\u5165\u606f\u6bd4\u7387\" style=\"color:#1d3960\">\u3010\u51fa\u79df\u7269\u696d\u3011\u4f9b\u6b3e\u8207\u5165\u606f\u6bd4\u7387<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u5982\u6253\u7b97\u8cb7\u5165\u7269\u696d\u4f5c\u51fa\u79df\u7528\uff0c\u9280\u884c\u8981\u6c42\u7684\u4f9b\u6b3e\u8207\u5165\u606f\u6bd4\u7387\u6703\u6bd4\u8f03\u56b4\u683c\uff0c\u53ef\u53c3\u8003\u4e0b\u8868\uff1a<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><thead><tr><th>\u51fa\u79df\u7269\u696d\u4e14&#8230;<\/th><th>\u6a13\u50f9<\/th><th>\u6309\u63ed<br>\u6210\u6578<\/th><th>\u4f9b\u6b3e\u8207\u5165\u606f\u6bd4\u7387\u4e0a\u9650<\/th><\/tr><\/thead><tbody><tr><td>\u7121\u672a\u4f9b\u5b8c\u6309\u63ed<\/td><td>\u4efb\u4f55<\/td><td>\u6700\u9ad8 7 \u6210<\/td><td>50%<\/td><\/tr><tr><td>\u6709\u672a\u4f9b\u5b8c\u6309\u63ed<\/td><td>\u4efb\u4f55<\/td><td>\u6700\u9ad8 7 \u6210<\/td><td>50%<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<hr class=\"wp-block-separator has-css-opacity\"\/>\n\n\n\n<p class=\"has-text-color has-background wp-block-paragraph\" style=\"color:#ff8700;background-color:#f7fafb\"><a href=\"https:\/\/www.spacious.hk\/zh-tw\/c\/%E9%A6%99%E6%B8%AF\/%E8%B2%B7%E6%A8%93?from-blog\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\"><strong>\u3010\u6700\u65b0\u6a13\u76e4\u3011\u641c\u5c0b\u6240\u6709\u653e\u552e\u6a13\u76e4 \u2192<\/strong><\/a><\/p>\n\n\n\n<hr class=\"wp-block-separator has-css-opacity\"\/>\n\n\n\n<hr class=\"wp-block-separator has-text-color has-css-opacity has-background is-style-wide\" style=\"background-color:#cccccc;color:#cccccc\"\/>\n\n\n\n<h2 class=\"wp-block-heading has-text-color\" id=\"\u58d3\u529b\u6e2c\u8a66\u8a08\u7b97\u4f8b\u5b50\" style=\"color:#1d3960\">\u58d3\u529b\u6e2c\u8a66\u8a08\u7b97\u5be6\u4f8b<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u5047\u82e5\u4ee5\u8cfc\u8cb7<a aria-label=\"\u6309\u63ed\u4fdd\u96aa (opens in a new tab)\" class=\"rank-math-link\" href=\"http:\/\/www.hkmc.com.hk\/chi\/our_business\/mortgage_insurance_programme.html\" target=\"_blank\" rel=\"noreferrer noopener\">\u6309\u63ed\u4fdd\u96aa<\/a>\uff0c\u501f 8 \u6210\u6309\u63ed\u8cb7\u6a13\uff0c\u7533\u8acb\u4eba\u672a\u6709\u4efb\u4f55\u6309\u63ed\u5728\u8eab\uff0c\u5728\u58d3\u529b\u6e2c\u8a66\u751f\u6548\u6642\uff08\uff0a\u5df2\u65bc2024\u5e742\u670828\u65e5\u66ab\u505c\u6709\u95dc\u5b89\u6392\uff09\uff0c\u5176\u8a08\u7b97\u65b9\u6cd5\u53ef\u53c3\u8003\u4e0b\u8868\uff1a<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>\u7269\u696d\u50f9\u503c<\/strong><\/td><td>$800 \u842c<\/td><\/tr><tr><td><strong>\u6309\u63ed\u6210\u6578<\/strong><\/td><td>80%<\/td><\/tr><tr><td><strong>\u501f\u8cb8\u984d<\/strong><\/td><td>$640 \u842c<\/td><\/tr><tr><td><strong>\u9280\u884c\u73fe\u6642\u5229\u7387<\/strong><\/td><td>4.125%<\/td><\/tr><tr><td><strong>\u52a0\u58d3\u5f8c\u5229\u7387<\/strong><\/td><td>4.125% + 2% = 6.125%<\/td><\/tr><tr><td><strong>\u9084\u6b3e\u5e74\u671f<\/strong><\/td><td>30 \u5e74<\/td><\/tr><tr><td><strong>\u6bcf\u6708\u4f9b\u6b3e\u984d<\/strong><\/td><td>$31,356<\/td><\/tr><tr><td><strong>\u52a0\u58d3\u5f8c\u6bcf\u6708\u4f9b\u6b3e\u984d<\/strong><\/td><td>$39,311<\/td><\/tr><tr><td><strong>\u52a0\u58d3\u5f8c DTI \u4e0a\u9650<\/strong><\/td><td>60%<\/td><\/tr><tr><td><strong>\u52a0\u58d3\u5f8c\u501f\u6b3e\u4eba\u500b\u4eba\u6216\u5bb6\u5ead\u6708\u5165\u4e0b\u9650<\/strong><\/td><td><strong>$<\/strong>65,518<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading has-text-color\" id=\"\u7d50\u679c\" style=\"color:#1d3960\"><strong>\u7d50\u679c\uff1a<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u501f\u6b3e\u4eba\u6708\u5165\u9808\u81f3\u5c11\u70ba<strong> <strong>$<\/strong><\/strong>65,518\uff0c\u65b9\u53ef\u501f <a aria-label=\"8 \u6210\u6309\u63ed (opens in a new tab)\" href=\"https:\/\/www.spacious.hk\/zh-tw\/blog\/8%e6%88%90%e6%8c%89%e6%8f%ad%e6%87%b6%e4%ba%ba%e5%8c%85\/\" target=\"_blank\" rel=\"noreferrer noopener\">8 \u6210\u6309\u63ed<\/a>\uff0c\u8cfc\u8cb7 $800 \u842c\u7684\u55ae\u4f4d\u3002\u4f46\u56e0\u91d1\u7ba1\u5c40\u65bc2024\u5e742\u670828\u65e5\u8d77\u66ab\u505c\u58d3\u529b\u6e2c\u8a66\u8981\u6c42\uff0c\u501f\u6b3e\u4eba\u6708\u5165\u81f3\u5c11 $62,712 \u4fbf\u53ef\u501f 8 \u6210\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-css-opacity\"\/>\n\n\n\n<p class=\"has-text-color has-background wp-block-paragraph\" style=\"color:#ff8700;background-color:#f7fafb\"><strong><a href=\"https:\/\/www.spacious.hk\/zh-tw\/%E9%A6%99%E6%B8%AF\/%E4%BD%8F%E5%AE%85%E5%9C%B0%E5%8D%80%E5%88%97%E8%A1%A8?from-blog\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"\u3010\u6700\u65b0\u6a13\u76e4\u3011\u641c\u5c0b 18 \u5340\u653e\u552e\u6a13\u76e4 \u2192 (opens in a new tab)\">\u3010\u6700\u65b0\u6a13\u76e4\u3011\u641c\u5c0b 18 \u5340\u653e\u552e\u6a13\u76e4 \u2192<\/a><\/strong><\/p>\n\n\n\n<hr class=\"wp-block-separator has-css-opacity\"\/>\n\n\n\n<hr class=\"wp-block-separator has-text-color has-css-opacity has-background is-style-wide\" style=\"background-color:#cccccc;color:#cccccc\"\/>\n\n\n\n<h2 class=\"wp-block-heading has-text-color\" id=\"\u9996\u7f6e\u514d\u58d3\u6e2c\uff1f\" style=\"color:#1d3960\">\u9996\u7f6e\u514d\u58d3\u6e2c\uff1f<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u73fe\u6642\u696d\u4e3b\u60f3\u8cb7\u6a13\uff0c\u4e0d\u7528\u518d\u9032\u884c\u58d3\u529b\u6e2c\u8a66\uff0c\u4e0d\u904e\uff0c\u653f\u5e9c\u76ee\u524d\u53ea\u662f\u56e0\u61c9\u7f8e\u570b\u52a0\u606f\u9031\u671f\u5b8c\u7d50\u800c\u300c\u66ab\u505c\u300d\u58d3\u6e2c\uff1b\u82e5\u672a\u4f86\u52a0\u606f\u9031\u671f\u91cd\u555f\uff0c\u70ba\u4e86\u78ba\u4fdd\u501f\u8cb8\u4eba\u6709\u80fd\u52a0\u627f\u53d7\u5229\u606f\u652f\u51fa\u589e\u52a0\u5f8c\u7684\u4f9b\u6b3e\u58d3\u529b\uff0c\u653f\u5e9c\u4ea6\u4e0d\u7121\u6a5f\u6703\u91cd\u63a8\u58d3\u6e2c\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u53c3\u8003\u4ee5\u5f80\uff0c\u5728\u58d3\u6e2c\u8981\u6c42\u751f\u6548\u6642\uff0c\u65b0\u6309\u63ed\u4fdd\u96aa\u8a08\u5283\u4e0b\uff0c\u6709\u4e00\u7a2e\u4eba\u8cb7\u79c1\u6a13\u90fd\u4e0d\u7528\u904e\u300c\u58d3\u529b\u6e2c\u8a66\u300d\uff0c\u5373\u662f\u300c\u9996\u7f6e\u4eba\u58eb\u300d\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u53ea\u8981\u7269\u696d\u6210\u4ea4\u6642\uff0c\u8cb7\u5bb6\u540d\u4e0b\u4e0d\u6301\u6709\u5176\u4ed6\u4f4f\u5b85\u7269\u696d\uff0c\u4fbf\u5c6c\u65bc\u300c\u9996\u7f6e\u300d\u3002\u63db\u8a00\u4e4b\uff0c\u5373\u4f7f\u8cb7\u5bb6\u672c\u8eab\u5df2\u5690\u7576\u696d\u4e3b\u7684\u6ecb\u5473\uff0c\u53ea\u8981\u5728\u8cb7\u6a13\u524d\u300c\u7529\u624b\u300d\u820a\u6709\u7269\u696d\uff0c\u4e26\u8cfc\u8cb7\u6309\u63ed\u4fdd\u96aa\u501f\u9ad8\u6210\u6578\u6a13\u6309\uff0c\u4fbf\u53ef\u53d7\u60e0\u65bc\u300c\u9996\u7f6e\u514d\u58d3\u6e2c\u300d\u7684\u63aa\u65bd\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-css-opacity\"\/>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"563\" src=\"https:\/\/www.spacious.hk\/zh-tw\/blog\/wp-content\/uploads\/2023\/05\/INFO-Stress-Free-1024x563.jpg\" alt=\"\u9996\u7f6e\u4eba\u58eb\u514d\u58d3\u529b\u6e2c\u8a66\" class=\"wp-image-27915\" srcset=\"https:\/\/www.spacious.hk\/zh-tw\/blog\/wp-content\/uploads\/2023\/05\/INFO-Stress-Free-1024x563.jpg 1024w, https:\/\/www.spacious.hk\/zh-tw\/blog\/wp-content\/uploads\/2023\/05\/INFO-Stress-Free-400x220.jpg 400w, https:\/\/www.spacious.hk\/zh-tw\/blog\/wp-content\/uploads\/2023\/05\/INFO-Stress-Free-768x422.jpg 768w, https:\/\/www.spacious.hk\/zh-tw\/blog\/wp-content\/uploads\/2023\/05\/INFO-Stress-Free.jpg 1200w\" sizes=\"auto, (max-width: 767px) 89vw, (max-width: 1000px) 54vw, (max-width: 1071px) 543px, 580px\" \/><\/figure>\n\n\n\n<hr class=\"wp-block-separator has-css-opacity\"\/>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e0d\u904e\uff0c\u8cb7\u5bb6\u5343\u842c\u4e0d\u53ef\u300c\u5927\u5b89\u65e8\u610f\u300d\uff0c\u4ee5\u70ba\u6309\u4fdd\u300c\u514d\u58d3\u6e2c\u300d\uff0c\u5c31\u7b49\u65bc\u5b8c\u5168\u4e0d\u7528\u8a08 DTI\u3001\u4e0d\u7528\u505a\u58d3\u529b\u6e2c\u8a66\u3002\u91d1\u7ba1\u5c40\u5beb\u660e\uff0c\u9280\u884c\u4ecd\u7136\u8981\u8a08\u7533\u8acb\u4eba\u7684 DTI\uff0c\u800c\u4e14\u8981\u4fdd\u6301\u5728 50% \u4e4b\u5167\uff0c\u800c\u4e14\u4e0d\u9f13\u52f5\u9280\u884c\u5b8c\u5168\u7565\u904e\u505a\u58d3\u6e2c\u7684\u6b65\u9a5f\uff0c\u4e0d\u904e\u5c31\u8c41\u514d\u4e86\u7533\u8acb\u4eba\u300c\u901a\u904e\u300d\u52a0\u58d3\u5f8c\u7684 DTI \u4e0a\u9650\u8981\u6c42\u3002\u7cbe\u6e96\u4e00\u9ede\u4f86\u8aaa\uff0c\u9996\u7f6e\u300c\u514d\u58d3\u6e2c\u300d\u4e0d\u662f\u771f\u7684\u300c\u514d\u505a\u58d3\u6e2c\u300d\uff0c\u800c\u662f\u300c\u514d\u901a\u904e\u58d3\u6e2c\u300d\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u8209\u4f8b\uff0c\u5047\u8a2d\u7533\u8acb\u4eba\u672c\u8eab\u4f9b\u6b3e\u6bd4\u7387\u70ba 50%\uff0c\u9280\u884c\u6703\u5c31\u7533\u8acb\u505a\u300c\u52a0 3 \u5398\u300d\u7684\u58d3\u529b\u6e2c\u8a66\uff0c\u7136\u5f8c\u5373\u4f7f\u767c\u73fe\u7533\u8acb\u4eba\u300c\u80a5\u4f6c\u300d\uff0cDTI \u8d85\u51fa\u4e86\u52a0\u58d3\u5f8c\u4e0a\u9650\uff0860%\uff09\uff0c\u4ea6\u4e0d\u6703\u56e0\u6b64\u62d2\u6279\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-color\" id=\"\u9996\u7f6e\u58d3\u529b\u6e2c\u8a66\u4e0d\u5408\u683c\u5f8c\u679c\" style=\"color:#1d3960\">\u9996\u7f6e\u58d3\u6e2c\u4e0d\u5408\u683c \u9700\u4ed8\u984d\u5916 10% \u4fdd\u8cbb<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u65e2\u7136\u58d3\u6e2c\u80a5\u4f6c\u4e0d\u6703\u5f71\u97ff\u5be9\u6279\u7d50\u679c\uff0c\u90a3\u9ebc\u505a\u58d3\u6e2c\u7a76\u7adf\u6709\u751a\u9ebc\u610f\u7fa9\uff1f\u5c31\u662f\u7528\u4f86\u5224\u65b7\u7533\u8acb\u4eba\u662f\u5426\u9700\u8981\u7e73\u4ea4\u984d\u5916\u4fdd\u8cbb\u4e86\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u9996\u7f6e\u4eba\u58eb\u7d93\u6309\u4fdd\u8cb7\u6a13\uff0c\u52a0\u58d3\u5f8c DTI \u8d85\u51fa\u4e0a\u9650\uff0c<a aria-label=\"\u6309\u63ed\u4fdd\u8cbb (opens in a new tab)\" href=\"https:\/\/www.spacious.hk\/zh-tw\/blog\/%e6%8c%89%e6%8f%ad%e4%bf%9d%e9%9a%aa-%e6%8c%89%e6%8f%ad%e4%bf%9d%e8%b2%bb-%e9%80%80%e4%bf%9d\/\" target=\"_blank\" rel=\"noreferrer noopener\" class=\"rank-math-link\">\u6309\u63ed\u4fdd\u8cbb<\/a>\u6703\u56e0\u6b64\u800c\u300c\u5347\u7d1a\u300d\uff0c\u52a0\u78bc\u81f3\u539f\u6709\u4fdd\u8cbb\u4e4b 10%\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u9664\u6b64\u4e4b\u5916\uff0c\u58d3\u6e2c\u80a5\u4f6c\uff0c\u96d6\u7136\u4ecd\u53ef\u501f\u9ad8\u6210\u6578\u6a13\u6309\uff0c\u4f46\u9280\u884c\u6709\u6b0a\u9078\u64c7\u56e0\u6b64\u916c\u60c5\u8abf\u6574\u6309\u63ed\u6210\u6578\uff0c\u672a\u5fc5\u6703\u6279\u8db3\uff0c\u8b6c\u5982\u7533\u8acb\u4eba\u501f 9 \u6210\uff0c\u6700\u7d42\u6216\u300c\u722d\u5c11\u5c11\u300d\u53ea\u6279 85 \u6210\uff0c\u6709\u7591\u554f\u8a18\u5f97\u5411\u500b\u5225\u9280\u884c\u8a62\u554f\u6e05\u695a\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-css-opacity\"\/>\n\n\n\n<p class=\"wp-block-paragraph\">\u653e\u5bec\u6309\u63ed\u6210\u6578\uff0c\u5c0d\u6709\u9700\u8981\u4e0a\u8eca\u4eba\u58eb\uff0c\u59cb\u7d42\u662f\u4e00\u4ef6\u597d\u4e8b\uff0c\u5c24\u5176\u662f\u8cfc\u8cb7\u4e8c\u624b\u5c4b\u82d1\u55ae\u4f4d\uff0c\u5373\u4e0a\u5343\u5c45\u5c0b\u627e\u5404\u5340<a data-wpel-link=\"internal\" href=\"https:\/\/www.spacious.hk\/zh-tw\/c\/%E9%A6%99%E6%B8%AF\/%E8%B2%B7%E6%A8%93?from-blog\" target=\"_blank\" rel=\"noreferrer noopener\">\u6a13\u76e4<\/a>\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-css-opacity\"\/>\n\n\n\n<p class=\"has-text-color has-background wp-block-paragraph\" style=\"background-color:#f7fafb;color:#ff8700\"><a rel=\"noreferrer noopener\" class=\"rank-math-link\" data-wpel-link=\"internal\" href=\"https:\/\/www.spacious.hk\/zh-tw\/%E9%A6%99%E6%B8%AF\/%E4%B8%8A%E8%BB%8A%E7%9B%A4?from-blog\" target=\"_blank\"><strong>\u3010\u672c\u9031\u63a8\u4ecb\u3011\u641c\u5c0b\u5168\u6e2f\u6700\u65b0\u4e0a\u8eca\u76e4 \u2192<\/strong><\/a><\/p>\n\n\n\n<hr class=\"wp-block-separator has-css-opacity\"\/>\n\n\n\n<hr class=\"wp-block-separator has-text-color has-css-opacity has-background is-style-wide\" style=\"background-color:#cccccc;color:#cccccc\"\/>\n\n\n\n<h2 class=\"wp-block-heading has-text-color\" id=\"\u5e38\u898b\u554f\u984c\" style=\"color:#1d3960\">\u5e38\u898b\u554f\u984c<\/h2>\n\n\n<div id=\"rank-math-faq\" class=\"rank-math-block\">\n<div class=\"rank-math-list \">\n<div id=\"faq-question-1644809366505\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><mark style=\"color:#1d3960\" class=\"has-inline-color\"><strong>\u904e\u4e0d\u5230\u58d3\u6e2c<\/strong>\uff0c\u662f\u5426\u4ee3\u8868\u4e00\u5b9a\u7121\u6cd5\u627f\u9020\u9ad8\u6210\u6578\u6309\u63ed\uff1f<\/mark><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>\u5047\u5982\u8cb7\u5bb6\u5177\u5099\u9996\u7f6e\u8eab\u4efd\uff0c\u5247\u53ef\u4f7f\u7528<a href=\"https:\/\/www.spacious.hk\/zh-tw\/blog\/%E6%8C%89%E6%8F%AD%E4%BF%9D%E9%9A%AA%E8%A8%88%E5%8A%83%E7%94%B3%E8%AB%8B%E9%A0%88%E7%9F%A5\/\" data-type=\"URL\" data-id=\"https:\/\/www.spacious.hk\/zh-tw\/blog\/%E6%8C%89%E6%8F%AD%E4%BF%9D%E9%9A%AA%E8%A8%88%E5%8A%83%E7%94%B3%E8%AB%8B%E9%A0%88%E7%9F%A5\/\">\u65b0\u6309\u4fdd<\/a>\uff0c\u501f\u53d6\u9ad8\u6210\u6578\u6309\u63ed\uff0c\u514d\u901a\u904e\u58d3\u6e2c\uff0c\u60df\u4ecd\u8981\u7b26\u5408\u6309\u4fdd\u7684DTI\u8981\u6c42\uff0c\u53e6\u9700\u4ed8\u984d\u5916\u4fdd\u8cbb\u3002<\/p>\n<p>\u7559\u610f\uff0c\u91d1\u7ba1\u5c40\u5df2\u65bc2024\u5e742\u670828\u65e5\u66ab\u505c\u58d3\u529b\u6e2c\u8a66\u8981\u6c42\u3002\u00a0<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1644809776467\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><mark style=\"color:#1d3960\" class=\"has-inline-color\">\u975e\u56fa\u5b9a\u6536\u5165\u4eba\u58eb\uff0c\u5982\u4f55\u8a08\u7b97\u58d3\u6e2c\uff1f<\/mark><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>\u9280\u884c\u4e00\u822c\u6703\u770b\u534a\u5e74\u4f63\u91d1\u6536\u5165\u7684\u5e73\u5747\u6578\uff0c\u4e26\u8003\u616e\u6536\u5165\u7684\u6ce2\u52d5\u6027\u98a8\u96aa\u4f5c\u51fa\u6298\u8b93\uff0c\u4e00\u822c\u4ee5\u8a72\u5e73\u5747\u6578\u516d\u81f3\u516b\u6298\u4f5c\u70ba\u6bcf\u6708\u4f9b\u6b3e\u3002<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n<hr class=\"wp-block-separator has-css-opacity\"\/>\n\n\n\n<div class=\"wp-block-group has-background\" style=\"background-color:#f7fafb\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<p class=\"has-text-color wp-block-paragraph\" style=\"color:#1d3960\"><strong>\u5ef6\u4f38\u95b1\u8b80\uff1a\u4e0a\u8eca\u524d\u5fc5\u8b80\u653b\u7565<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"color: #1d3960;\"><strong>\u3010\u8cb7\u6a13\u77e5\u8b58\u61f6\u4eba\u5305\u3011<\/strong><\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a rel=\"noopener noreferrer\" href=\"https:\/\/www.spacious.hk\/zh-tw\/blog\/%e3%80%90%e5%85%a8%e5%9f%8e%e6%90%b6%e8%b3%bc%e6%96%b0%e6%a8%93%e3%80%91%e4%ba%86%e8%a7%a3%e8%b2%b7%e4%b8%80%e6%89%8b%e6%a8%93%e7%a8%8b%e5%ba%8f%ef%bc%9a%e4%bd%95%e8%ac%82%e3%80%8c%e5%85%a5%e7%a5%a8\/\" target=\"_blank\"><span style=\"color: #ff8700;\"><strong>\u8cb7\u65b0\u76e4\u7a0b\u5e8f<\/strong><\/span><\/a> \uff5c<span style=\"color: #ff8700;\"><a style=\"color: #ff8700;\" rel=\"noopener noreferrer\" data-wplink-edit=\"true\" href=\"https:\/\/www.spacious.hk\/zh-tw\/blog\/%e9%a6%99%e6%b8%af%e8%b3%bc%e8%b2%b7%e4%ba%8c%e6%89%8b%e6%a8%93%e7%9b%a4%e6%b3%a8%e6%84%8f%e4%ba%8b%e9%a0%85\/\" target=\"_blank\"><strong>\u8cb7\u4e8c\u624b\u6a13\u7a0b\u5e8f<\/strong><\/a><\/span>\uff5c<strong><a href=\"https:\/\/www.spacious.hk\/zh-tw\/blog\/2021-%E4%B8%81%E5%B1%8B%E8%B2%B7%E8%B3%A3-%E4%B8%81%E6%AC%8A-%E5%A5%97%E4%B8%81-%E8%A3%9C%E5%9C%B0%E5%83%B9\/#%E4%B8%81%E5%B1%8B%E8%B2%B7%E8%B3%A3%E6%B3%A8%E6%84%8F%E4%BA%8B%E9%A0%85\" data-type=\"URL\" data-id=\"https:\/\/www.spacious.hk\/zh-tw\/blog\/2021-%E4%B8%81%E5%B1%8B%E8%B2%B7%E8%B3%A3-%E4%B8%81%E6%AC%8A-%E5%A5%97%E4%B8%81-%E8%A3%9C%E5%9C%B0%E5%83%B9\/#%E4%B8%81%E5%B1%8B%E8%B2%B7%E8%B3%A3%E6%B3%A8%E6%84%8F%E4%BA%8B%E9%A0%85\"><span style=\"color:#ff8700\" class=\"has-inline-color\">\u4e01\u5c4b\u8cb7\u8ce3<\/span><\/a><\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"color: #ff8700;\"><a style=\"color: #ff8700;\" href=\"https:\/\/www.spacious.hk\/zh-tw\/blog\/%e9%a6%99%e6%b8%af%e7%89%a9%e6%a5%ad%e5%8d%b0%e8%8a%b1%e7%a8%85%e6%9c%80%e6%96%b0%e6%9c%80%e5%bc%b7%e6%87%b6%e4%ba%ba%e5%8c%85-b2b\/\" target=\"_blank\" rel=\"noopener noreferrer\"><strong>\u5370\u82b1\u7a05\u8a08\u7b97<\/strong><\/a><\/span>\uff5c<span style=\"color: #ff8700;\"><strong><a style=\"color: #ff8700;\" href=\"https:\/\/www.spacious.hk\/zh-tw\/blog\/%e5%be%9e%e5%83%b9%e5%8d%b0%e8%8a%b1%e7%a8%85-avd-%e9%81%a9%e7%94%a8%e5%b0%8d%e8%b1%a1-%e7%a8%85%e7%8e%87\/\" target=\"_blank\" rel=\"noopener noreferrer\">\u9996\u7f6e\/\u975e\u9996\u7f6e\u5370\u82b1\u7a05<\/a><\/strong><\/span>\uff5c<span style=\"color: #ff8700;\"><strong><a style=\"color: #ff8700;\" href=\"https:\/\/www.spacious.hk\/zh-tw\/blog\/%e8%b2%b7%e5%ae%b6%e5%8d%b0%e8%8a%b1%e7%a8%85-bsd-%e9%81%a9%e7%94%a8%e5%b0%8d%e8%b1%a1-%e7%a8%85%e7%8e%87\/\" target=\"_blank\" rel=\"noopener noreferrer\">\u8cb7\u5bb6\u5370\u82b1\u7a05<\/a><\/strong><\/span>\uff5c<span style=\"color: #ff8700;\"><strong><a style=\"color: #ff8700;\" href=\"https:\/\/www.spacious.hk\/zh-tw\/blog\/%e9%a1%8d%e5%a4%96%e5%8d%b0%e8%8a%b1%e7%a8%85-ssd-%e9%81%a9%e7%94%a8%e5%b0%8d%e8%b1%a1-%e7%a8%85%e7%8e%87\/\" target=\"_blank\" rel=\"noopener noreferrer\">\u984d\u5916\u5370\u82b1\u7a05<\/a><\/strong><\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"color: #ff8700;\"><a style=\"color: #ff8700;\" href=\"https:\/\/www.spacious.hk\/zh-tw\/blog\/%e8%b2%b7%e6%a8%93%e5%be%8b%e5%b8%ab%e8%b2%bb-%e8%b2%b7%e6%a8%93%e9%96%8b%e6%94%af\/\" target=\"_blank\" rel=\"noopener noreferrer\"><strong>\u8cb7\u6a13\u5f8b\u5e2b\u8cbb\uff06\u5176\u4ed6\u958b\u652f<\/strong><\/a><\/span>\uff5c<span style=\"color: #ff8700;\"><strong><a style=\"color: #ff8700;\" href=\"https:\/\/www.spacious.hk\/zh-tw\/blog\/%e7%ae%a1%e7%90%86%e8%b2%bb\/\" target=\"_blank\" rel=\"noopener noreferrer\">\u7ba1\u7406\u8cbb\u9808\u77e5<\/a><\/strong><\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.spacious.hk\/zh-tw\/blog\/%e5%85%a5%e4%bc%99%e7%b4%99vs%e6%bb%bf%e6%84%8f%e7%b4%99-%e9%97%9c%e9%8d%b5%e6%97%a5%e6%9c%9fvs%e5%85%a5%e4%bc%99%e6%97%a5%e6%9c%9f\/\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"color: #ff8700;\"><strong>\u6a13\u82b1\u5165\u4f19\u7d19VS\u6eff\u610f\u7d19<\/strong><\/span><\/a>\uff5c<span style=\"color: #ff8700;\"><strong><a style=\"color: #ff8700;\" href=\"https:\/\/www.spacious.hk\/zh-tw\/blog\/%e6%92%bb%e8%a8%82%e5%8e%9f%e5%9b%a0-%e9%81%bf%e5%85%8d%e6%96%b9%e6%b3%95\/\" target=\"_blank\" rel=\"noopener noreferrer\">\u5e38\u898b\u64bb\u8a02\u539f\u56e0<\/a><\/strong><\/span>\uff5c<span style=\"color: #ff8700;\"><strong><span style=\"color: #ff8700;\"><a style=\"color: #ff8700;\" href=\"https:\/\/www.spacious.hk\/zh-tw\/blog\/%e8%b8%a2%e5%a5%91%e5%8e%9f%e5%9b%a0-%e5%b1%8b%e4%bb%94-%e6%8e%9b%e8%87%98%e9%b4%a8-%e9%ba%b5%e7%b2%89%e5%83%b9%e6%84%8f%e6%80%9d\/\" target=\"_blank\" rel=\"noopener noreferrer\">\u4f55\u8b02\u300c\u8e22\u5951\u300d<\/a><\/span><\/strong><\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.spacious.hk\/zh-tw\/blog\/%e8%81%af%e5%90%8d%e7%89%a9%e6%a5%ad%e5%a6%82%e4%bd%95%e5%bd%b1%e9%9f%bf%e5%8d%b0%e8%8a%b1%e7%a8%85%e5%92%8c%e6%8c%89%e6%8f%ad\/\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"color: #ff8700;\"><strong>\u806f\u540d\u7269\u696d\u597d\u5b9a\u58de<\/strong><\/span><\/a>\uff5c<a href=\"https:\/\/www.spacious.hk\/zh-tw\/blog\/%e8%bf%91%e8%a6%aa%e8%bd%89%e8%ae%93%e6%85%b3%e7%a8%85%e5%8a%a0%e6%8c%89%e5%a5%97%e7%8f%be\/\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"color: #ff8700;\"><strong>\u8fd1\u89aa\u8f49\u8b93\u5982\u4f55\u6173\u7a05<\/strong><\/span><\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"color: #ff8700;\"><a style=\"color: #ff8700;\" href=\"https:\/\/www.spacious.hk\/zh-tw\/blog\/%e9%87%98%e5%a5%91%e6%a8%93-%e8%87%aa%e4%bf%9d%e6%96%b9%e6%b3%95\/\" target=\"_blank\" rel=\"noopener noreferrer\"><strong>\u91d8\u5951\u6a13<\/strong><\/a><\/span>\uff5c<span style=\"color: #ff8700;\"><a style=\"color: #ff8700;\" href=\"https:\/\/www.spacious.hk\/zh-tw\/blog\/%e7%84%a1%e5%a5%91%e6%a8%93%e5%a6%82%e4%bd%95%e5%bd%b1%e9%9f%bf%e6%8c%89%e6%8f%ad\/\" target=\"_blank\" rel=\"noopener noreferrer\"><strong>\u7121\u5951\u6a13<\/strong><\/a><\/span>\uff5c<span style=\"color: #ff8700;\"><a style=\"color: #ff8700;\" href=\"https:\/\/www.spacious.hk\/zh-tw\/blog\/%e9%8a%80%e4%b8%bb%e7%9b%a4-%e8%b3%bc%e8%b2%b7%e7%a8%8b%e5%ba%8f\/\" target=\"_blank\" rel=\"noopener noreferrer\"><strong>\u9280\u4e3b\u76e4<\/strong><\/a><\/span>\uff5c<span style=\"color: #ff8700;\"><strong><a style=\"color: #ff8700;\" href=\"https:\/\/www.spacious.hk\/zh-tw\/blog\/%e8%88%8a%e6%a8%93%e6%94%b6%e8%b3%bc-%e6%8a%95%e8%b3%87%e8%88%8a%e6%a8%93%e5%a4%a7%e8%a6%81%e8%a8%a3\/\" target=\"_blank\" rel=\"noopener noreferrer\">\u6536\u8cfc\u820a\u6a13\u6295\u8cc7\u56de\u5831<\/a><\/strong><\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"color: #ff8700;\"><strong><a style=\"color: #ff8700;\" href=\"https:\/\/www.spacious.hk\/zh-tw\/blog\/%e9%a9%97%e6%a8%93%e6%94%bb%e7%95%a5-%e6%96%b0%e7%9b%a4%e8%88%8a%e6%a8%93%e9%a9%97%e6%a8%93%e7%a8%8b%e5%ba%8f\/\" target=\"_blank\" rel=\"noopener noreferrer\">\u65b0\u76e4VS\u820a\u6a13\u9a57\u6a13\u7a0b\u5e8f<\/a><\/strong><\/span>\uff5c<a href=\"https:\/\/www.spacious.hk\/zh-tw\/blog\/%e9%a9%97%e6%a8%93%e6%94%bb%e7%95%a5-%e9%a9%97%e6%a8%93%e5%bf%85%e7%9d%87%e4%ba%94%e5%a4%a7%e7%91%95%e7%96%b5-%e5%90%ab%e8%a9%b3%e7%9b%a1%e9%a9%97%e6%a8%93%e6%b8%85%e5%96%ae\/\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"color: #ff8700;\"><strong>\u4e0b\u8f09\u9a57\u6a13\u6e05\u55ae<\/strong><\/span><\/a>\uff5c<strong><span style=\"color: #ff8700;\"><a style=\"color: #ff8700;\" href=\"https:\/\/www.spacious.hk\/zh-tw\/blog\/%e9%a9%97%e6%a8%93%e6%94%bb%e7%95%a5-%e9%a9%97%e6%a8%93%e5%bf%85%e5%82%99%e5%85%ab%e7%a8%ae%e5%b7%a5%e5%85%b7\/\" target=\"_blank\" rel=\"noopener noreferrer\">\u5fc5\u5099\u9a57\u6a13\u5de5\u5177<\/a><\/span><\/strong>\uff5c<span style=\"color: #ff8700;\"><strong><a style=\"color: #ff8700;\" href=\"https:\/\/www.spacious.hk\/zh-tw\/blog\/%e9%a9%97%e6%a8%93%e6%94%bb%e7%95%a5-%e5%9f%b7%e6%bc%8f%e8%aa%a4%e6%9c%9f%e5%a6%82%e4%bd%95%e7%b4%a2%e5%84%9f\/\" target=\"_blank\" rel=\"noopener noreferrer\">\u57f7\u6f0f\u8aa4\u671f\u5982\u4f55\u7d22\u511f<\/a><\/strong><\/span><\/p>\n<\/div><\/div>\n","protected":false},"excerpt":{"rendered":"<p>\u57282024\u5e742\u6708\u300a\u8ca1\u653f\u9810\u7b97\u6848\u300b\u51fa\u53f0\u3001\u653f\u5e9c\u5ba3\u4f48\u66ab\u505c\u58d3\u529b\u6e2c\u8a66\u524d\uff0c\u6e96\u8cb7\u5bb6\u60f3\u7533\u8acb\u9280\u884c\u6309\u63ed\u3001\u501f\u9322\u8cb7\u6a13\uff0c\u90fd\u8981\u505a\u300c\u58d3\u529b\u6e2c\u8a66\u300d\u3002\u65b0\u624b\u8cb7\u5bb6\u5c0d\u58d3\u6e2c\u6216\u8005\u96f6\u6982\u5ff5\uff0c\u7a76\u7adf\u5e7e\u6642\u8981\u505a\u58d3\u6e2c\u3001\u58d3\u6e2c\u5982\u4f55\u8a08\u7b97\u3001\u8cb7\u6a13\u81ea\u4f4f\u548c\u51fa\u79df\u662f\u5426\u6709\u5206\u5225\u3001\u9996\u7f6e\u514d\u58d3\u6e2c\u5b70\u771f\u5b70\u5047\u3001\u9003\u907f\u58d3\u6e2c\u53c8\u662f\u5426\u53ef\u884c\uff1f\u58d3\u6e2c\u672a\u4f86\u6709\u6a5f\u6703\u91cd\u63a8\u55ce\uff1f\u5373\u8b80\u58d3\u529b\u6e2c\u8a66\u5168\u6307\u5357\uff0c\u505a\u500b\u7cbe\u660e\u7684\u696d\u4e3b\uff01 \u7acb\u5373\u8df3\u5f80\uff1a\u5e7e\u6642\u8981\u505a\u58d3\u6e2c\uff1f\uff5c\u8a08\u7b97\u300c\u4f9b\u6b3e\u8207\u5165\u606f\u6bd4\u7387\u300d\uff5c\u4f9b\u6b3e\u8207\u5165\u606f\u6bd4\u7387\u4e0a\u9650\uff5c\u58d3\u529b\u6e2c\u8a66\u8a08\u7b97\u4f8b\u5b50\uff5c\u9996\u7f6e\u514d\u58d3\u6e2c\uff1f\uff5c\u5e38\u898b\u554f\u984c \u8fd1\u671f\u66f4\u65b0 \u5e7e\u6642\u8981\u505a\u58d3\u6e2c\uff1f \u5728\u91d1\u7ba1\u5c40\u65bc 2024 \u5e74 2 \u6708\u66ab\u505c\u58d3\u529b\u6e2c\u8a66\u8981\u6c42\u524d\uff0c\u9280\u884c\u8981\u505a\u904e\u300c\u6309\u63ed\u6279\u6838\u300d\uff0c\u78ba\u8a8d\u7533\u8acb\u4eba\u6709\u80fd\u529b\u4f9b\u6b3e\uff0c\u624d\u6703\u6279\u51c6\u653e\u8cb8\u3002 \u9280\u884c\u70ba\u4e86\u8a55\u4f30\u7533\u8acb\u4eba\u7684\u4f9b\u6b3e\u80fd\u529b\uff0c\u6703\u9032\u884c\u5169\u7a2e\u8a08\u7b97\uff1a \u5728\u5f8c\u8005\u7684\u8a08\u7b97\u4e2d\uff0c\u9280\u884c\u6a21\u64ec\u4e86\u6309\u63ed\u884c\u7387\u4e0a\u8abf\u7684\u74b0\u5883\uff0c\u5728\u300c\u52a0 2 \u5398\u300d\u7684\u52a0\u58d3\u60c5\u6cc1\u4e0b\uff0c\u518d\u6e2c\u8a66\u7533\u8acb\u4eba\u662f\u5426\u6709\u5145\u88d5\u7684\u4f9b\u6b3e\u80fd\u529b\uff0c\u9019\u5c31\u662f\u6240\u8b02\u7684\u300c\u58d3\u529b\u6e2c\u8a66\u300d\u4e86\u3002 \u5728\u9999\u6e2f\uff0c\u9664\u975e\u501f\u7684\u662f\u767c\u5c55\u5546\u6309\u63ed (\u4f8b\u5982\u547c\u5438 PLAN)\uff0c\u5927\u6982\u53ea\u5f97\u5169\u7a2e\u4eba\u53ef\u8df3\u904e\u9280\u884c\u58d3\u529b\u6e2c\u8a66\u7684\u95dc\u5361\uff1a \u53ef\u514d\u58d3\u6e2c\u4eba\u58eb \u689d\u4ef6 \u7d93\u6309\u63ed\u4fdd\u96aa\u8a08\u5283\u7533\u8acb\u6a13\u6309\u7684\u9996\u7f6e\u4eba\u58eb \u6309\u4fdd\u53ea\u63a5\u53d7\u9ad8\u6210\u6578\u7684\u73fe\u6a13\u6309\u63ed\u7533\u8acb (\u8cb7\u6a13\u82b1\u8981\u5efa\u7bc9\u671f\u4ed8\u6b3e\uff09\uff1b\u8cb7\u5165\u7269\u696d\u53ea\u53ef\u4f5c\u81ea\u4f4f\u7528\u9014 \u5408\u8cc7\u683c\u7da0\u8868\u767d\u8868\u4eba\u58eb \u53ea\u9069\u7528\u65bc\u8cb7\u65b0\u5c45\u5c4b\u548c\u7da0\u7f6e\u5c45 \u8a08\u7b97\u300c\u4f9b\u6b3e\u8207\u5165\u606f\u6bd4\u7387\u300d \u58d3\u6e2c\u524d\u548c\u58d3\u6e2c\u5f8c\uff0c\u9280\u884c\u90fd\u6703\u8a08\u4e00\u8a08\u7533\u8acb\u4eba\u7684\u300c\u4f9b\u6b3e\u8207\u5165\u606f\u6bd4\u7387\u300d\uff08\u53c8\u4f5c\u300c\u4f9b\u6b3e\u6bd4\u7387\u300d\uff0cDebt-to-income ratio, DTI\uff09\u4f5c\u70ba\u9580\u6abb\u6307\u6a19\uff0c\u4ee5\u6c7a\u5b9a\u6309\u63ed\u7533\u8acb\u662f\u5426\u7b26\u5408\u8cc7\u683c\u3002 \u90a3\u9ebc DTI \u662f\u5982\u4f55\u8a08\u7b97\u5f97\u4f86\u7684\u5462\uff1f \u300c\u4f9b\u6b3e\u6bd4\u7387\u300d\uff08DTI\uff09\u7684\u6578\u5f0f\u5176\u5be6\u76f8\u7576\u7c21\u55ae\uff0c\u5373\u662f\u300c\u6bcf\u6708\u4f9b\u6b3e\u300d\u4f54\u300c\u6bcf\u6708\u6536\u5165\u300d\u7684\u767e\u5206\u9ede\u3002 \u81ea\u5df1\u8a66\u505a\u58d3\u6e2c\uff0c\u6700\u96e3\u8a08\u7684\u5176\u5be6\u662f\u6bcf\u6708\u4f9b\u6b3e\u3002\u60a8\u53ef\u7528\u5343\u5c45\u6309\u63ed\u8a08\u7b97\u6a5f\uff0c\u53ea\u8981\u8f38\u5165\u6a13\u50f9\u3001\u9996\u671f\u3001\u6309\u63ed\u5229\u7387\u7b49\u6578\u5b57\uff0c\u4fbf\u53ef\u5f97\u51fa\u6bcf\u6708\u4f9b\u6b3e\u984d\u3002 \u58d3\u529b\u6e2c\u8a66\u672a\u5fc5\u8ddf\u7533\u8acb\u6210\u6578\u8a08\u7b97 \u58d3\u529b\u6e2c\u8a66\u8981\u8a08\u300c\u4f9b\u6b3e\u8207\u5165\u606f\u6bd4\u7387\u300d\uff0c\u7576\u4e2d\u6240\u6307\u7684\u300c\u6309\u63ed\u4f9b\u6b3e\u300d\uff0c\u5728\u5927\u90e8\u5206\u7684\u60c5\u6cc1\u4e0b\uff0c\u6703\u6839\u64da\u7533\u8acb\u4eba\u60f3\u501f\u7684\u6574\u7b46\u8cb8\u6b3e\u984d\uff0c\u4f86\u8a08\u7b97\u6708\u4f9b\u6b3e\u9805\u3002 \u552f\u4e00\u7684\u4f8b\u5916\uff0c\u5c31\u662f\u4ee5\u9996\u7f6e\u8eab\u4efd\uff0c\u900f\u904e\u6309\u63ed\u4fdd\u96aa\u8a08\u5283\u8cb7\u6a13\u3002\u5728\u653f\u5e9c\u5c07\u7269\u696d\u6309\u63ed\u6210\u6578\u4e0a\u9650\u7d71\u4e00\u8abf\u6574\u81f37\u6210\u4e4b\u524d\uff0c\u666e\u904d\u6309\u63ed\u4e0a\u9650\u70ba6\u6210\u3002\u800c\u6309\u4fdd\u8a08\u5283\uff0c\u53ef\u4ee5\u6709\u6548\u70ba\u9280\u884c 6 \u6210\u6309\u63ed\u4ee5\u5916\u7684\u8cb8\u6b3e\u984d\u63d0\u4f9b\u4fdd\u969c\uff1b\u7406\u8ad6\u4e0a\uff0c\u5c0d\u9280\u884c\u800c\u8a00\uff0c\u6279 6 \u6210\u6309\u63ed\u548c\u6279 8 \u6210\u6309\u63ed\u7684\u98a8\u96aa\u7406\u61c9\u662f\u4e00\u6a23\u3002 \u56e0\u6b64\uff0c\u6709\u9b06\u624b\u7684\u9280\u884c\u53ea\u8a08\u501f 6 \u6210\u6309\u63ed\u7684\u300c\u6bcf\u6708\u4f9b\u6b3e\u300d\u3002\u81f3\u65bc\u9280\u884c\u5be6\u969b\u6703\u7528\u54ea\u4e00\u7a2e\u8a08\u6cd5\uff0c\u5efa\u8b70\u7533\u8acb\u4eba\u5411\u500b\u5225\u9280\u884c\u518d\u4f5c\u78ba\u8a8d\u3002 \u6ce8\u610f\uff0c\u91d1\u7ba1\u5c40\u5df2\u65bc2024\u5e742\u670828\u65e5\u66ab\u505c\u58d3\u529b\u6e2c\u8a66\u8981\u6c42\u3002 \u3010\u6700\u65b0\u6a13\u76e4\u3011\u641c\u5c0b 600 \u842c\u5167\u4e0a\u8eca\u76e4 \u2192 \u4f9b\u6b3e\u8207\u5165\u606f\u6bd4\u7387\u4e0a\u9650 \u5c0d\u65bc\u58d3\u529b\u6e2c\u8a66\u524d \/ \u58d3\u529b\u6e2c\u8a66\u5f8c\u7684\u5169\u7a2e\u4e0d\u540c\u60c5\u6cc1\uff0c\u9280\u884c\u5747\u8a2d\u6709\u6307\u5b9a\u7684 DTI \u4e0a\u9650\u3002\u5982\u7533\u8acb\u8d85\u51fa\u4e86\u4e0a\u9650\u8981\u6c42\uff0c\u9280\u884c\u4fbf\u6703\u6e1b\u4f4e\u653e\u8cb8\u6210\u6578\uff0c\u751a\u81f3\u62d2\u7d55\u7533\u8acb\u3002 &hellip; <\/p>\n<p class=\"link-more\"><a href=\"https:\/\/www.spacious.hk\/zh-tw\/blog\/%e6%8c%89%e6%8f%ad%e5%a3%93%e5%8a%9b%e6%b8%ac%e8%a9%a6%e8%a6%81%e6%b1%82\/\" class=\"more-link\">Continue reading<span class=\"screen-reader-text\"> &#8220;\u4e00\u6587\u770b\u6e05\u58d3\u529b\u6e2c\u8a66\u8981\u6c42\uff01\u4e0a\u8eca\u5fc5\u5b78\uff1a\u501f\u9ad8\u6210\u6578\u907f\u58d3\u6e2c\uff1f&#8221;<\/span><\/a><\/p>\n","protected":false},"author":29,"featured_media":7339,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":false,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2},"jetpack_post_was_ever_published":false},"categories":[465],"tags":[374],"class_list":["post-7329","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-465","tag-374"],"jetpack_publicize_connections":[],"jetpack_shortlink":"https:\/\/wp.me\/p69WTA-1Ud","jetpack-related-posts":[{"id":14279,"url":"https:\/\/www.spacious.hk\/zh-tw\/blog\/%e8%bb%8a%e4%bd%8d%e6%8c%89%e6%8f%ad%e6%87%b6%e4%ba%ba%e5%8c%85-%e6%9c%80%e9%ab%98%e6%88%90%e6%95%b8-%e8%bb%8a%e4%bd%8d%e5%a3%93%e6%b8%ac\/","url_meta":{"origin":7329,"position":0},"title":"\u3010\u8eca\u4f4d\u6309\u63ed\u61f6\u4eba\u5305\u3011\u6700\u9ad8\u6210\u6578+\u58d3\u6e2c\u4e00\u773c\u7747\uff5c\u501f\u8db39\u6210\u9760\u300c\u5408\u5951\u300d\uff1f","author":"\u5343\u5c45 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