{"id":4851,"date":"2021-09-04T15:22:23","date_gmt":"2021-09-04T07:22:23","guid":{"rendered":"https:\/\/mvm.mortgage\/?post_type=pylon_service&#038;p=4851"},"modified":"2021-11-01T19:43:17","modified_gmt":"2021-11-01T11:43:17","slug":"refinance","status":"publish","type":"pylon_service","link":"https:\/\/mvm.mortgage\/zh\/pylon_service\/refinance\/","title":{"rendered":"\u518d\u878d\u8d44"},"content":{"rendered":"<h2><strong>\u518d\u878d\u8d44<\/strong><\/h2>\n<p>\u623f\u5c4b\u8d37\u6b3e\u518d\u878d\u8d44\u662f\u6307\u507f\u8fd8\u73b0\u6709\u8d37\u6b3e\uff0c\u5e76\u4ee5\u65b0\u7684\u8d37\u6b3e\uff08\u6761\u6b3e\u548c\u6761\u4ef6\u4e0d\u540c\uff09\u53d6\u800c\u4ee3\u4e4b\u3002\u7b80\u800c\u8a00\u4e4b\uff0c\u5c31\u662f\u518d\u6b21\u4ece\u94f6\u884c\uff08\u6216\u5176\u4ed6\u94f6\u884c\uff09\u501f\u6b3e\uff0c\u901a\u8fc7\u65b0\u7684\u8d37\u6b3e\u6765\u507f\u8fd8\u60a8\u5f53\u524d\u623f\u5c4b\u8d37\u6b3e\u8d26\u6237\u4e2d\u7684\u503a\u52a1\u3002\u9a6c\u6765\u897f\u4e9a\u6709\u5f88\u591a\u94f6\u884c\u63d0\u4f9b\u518d\u878d\u8d44\u65b9\u6848\uff0cMVM \u5c06\u6839\u636e\u60a8\u7684\u9700\u6c42\u63d0\u4f9b\u5efa\u8bae\u5e76\u63a8\u8350\u6700\u4f73\u65b9\u6848\u3002<\/p>\n<p>&nbsp;<\/p>\n<p><strong>\u623f\u5c4b\u518d\u878d\u8d44\u7684\u597d\u5904\uff1a<\/strong><\/p>\n<ol>\n<li><strong><strong>\u5229\u7528\u623f\u4ea7\u7684\u8d44\u672c\u589e\u503c<br \/>\n<\/strong><\/strong>\u623f\u5c4b\u8d37\u6b3e\u518d\u878d\u8d44\u662f\u6307\u507f\u8fd8\u73b0\u6709\u8d37\u6b3e\uff0c\u5e76\u4ee5\u65b0\u7684\u8d37\u6b3e\uff08\u6761\u6b3e\u548c\u6761\u4ef6\u4e0d\u540c\uff09\u53d6\u800c\u4ee3\u4e4b\u3002\u7b80\u800c\u8a00\u4e4b\uff0c\u5c31\u662f\u518d\u6b21\u4ece\u94f6\u884c\uff08\u6216\u5176\u4ed6\u94f6\u884c\uff09\u501f\u6b3e\uff0c\u901a\u8fc7\u65b0\u7684\u8d37\u6b3e\u6765\u507f\u8fd8\u60a8\u5f53\u524d\u623f\u5c4b\u8d37\u6b3e\u8d26\u6237\u4e2d\u7684\u503a\u52a1\u3002\u9a6c\u6765\u897f\u4e9a\u6709\u5f88\u591a\u94f6\u884c\u63d0\u4f9b\u518d\u878d\u8d44\u65b9\u6848\uff0cMVM \u5c06\u6839\u636e\u60a8\u7684\u9700\u6c42\u63d0\u4f9b\u5efa\u8bae\u5e76\u63a8\u8350\u6700\u4f73\u65b9\u6848\u3002<\/li>\n<li><strong>\u7531\u4e8e\u501f\u6b3e\u4eba\u76ee\u524d\u7684\u8d22\u52a1\u72b6\u51b5\u66f4\u52a0\u7a33\u5b9a\uff0c\u56e0\u6b64\u53ef\u4ee5\u7f29\u77ed\u623f\u5c4b\u8d37\u6b3e\u671f\u9650\u3002<br \/>\n<\/strong>\u7f29\u77ed\u623f\u5c4b\u8d37\u6b3e\u671f\u9650\u53ef\u4ee5\u4e3a\u60a8\u8282\u7701\u4e00\u7b14\u53ef\u89c2\u7684\u8d39\u7528\uff0c\u5982\u4e0b\u4f8b\u6240\u793a\u3002\u5047\u8bbe\u60a8\u8d2d\u4e70\u4e00\u5957\u4ef7\u503c 50 \u4e07\u4ee4\u5409\u7684\u623f\u4ea7\uff0c\u8d37\u6b3e 45 \u4e07\u4ee4\u5409\uff0c\u8d37\u6b3e\u989d\u4e3a\u623f\u4ea7\u4ef7\u503c\u7684 90%\uff0c\u5e74\u5229\u7387\u4e3a 4.5%\u3002\u60a8\u53ef\u4ee5\u4f7f\u7528\u6211\u4eec\u7f51\u7ad9\u4e0a\u7684\u623f\u5c4b\u8d37\u6b3e\u8ba1\u7b97\u5668\u8ba1\u7b97\u76f8\u5e94\u7684\u6bcf\u6708\u8fd8\u6b3e\u989d\uff1a&nbsp;<\/p>\n<table>\n<tbody>\n<tr>\n<td width=\"150\"><strong>\u8d37\u6b3e\u671f\u9650<\/strong><\/td>\n<td width=\"150\"><strong>30\u5e74<\/strong><\/td>\n<td width=\"150\"><strong>25\u5e74<\/strong><\/td>\n<td width=\"150\"><strong>20\u5e74<\/strong><\/td>\n<\/tr>\n<tr>\n<td width=\"150\">Monthly<br \/>\nInstalment (RM)<\/td>\n<td width=\"150\">RM 2,280.08<\/td>\n<td width=\"150\">RM 2,501.25<\/td>\n<td width=\"150\">RM 2,846.92<\/td>\n<\/tr>\n<tr>\n<td width=\"150\">Total Interest<br \/>\nPayable (RM)<\/td>\n<td width=\"150\">RM 370,828.80<\/td>\n<td width=\"150\">RM 300,375.00<\/td>\n<td width=\"150\">RM 233,260.80<\/td>\n<\/tr>\n<tr>\n<td width=\"150\"><strong>SAVINGS (RM)<\/strong><\/td>\n<td width=\"150\"><strong>&#8211;<\/strong><\/td>\n<td width=\"150\"><strong>RM 70,453.80<\/strong><\/td>\n<td width=\"150\"><strong>RM 137,568.00<\/strong><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>*\u5e94\u4ed8\u5229\u606f\u603b\u989d = 450,000 \u9a6c\u5e01 \u2013 \uff08\u6bcf\u6708\u5206\u671f\u4ed8\u6b3e\u989d \u00d7 12 \u4e2a\u6708 \u00d7 \u5e74\u6570\uff09<\/li>\n<li><strong>\u5229\u7528\u5f53\u524d\u8f83\u4f4e\u7684\u5229\u7387\u6765\u964d\u4f4e\u60a8\u672a\u6765\u7684\u6bcf\u6708\u8fd8\u6b3e\u989d\u3002<br \/>\n<\/strong>\u623f\u5c4b\u8d37\u6b3e\u5229\u7387\u7531\u5404\u94f6\u884c\u7684\u57fa\u51c6\u5229\u7387 (BR) \u51b3\u5b9a\uff0c\u800c\u57fa\u51c6\u5229\u7387\u53c8\u4e3b\u8981\u53d6\u51b3\u4e8e\u9694\u591c\u653f\u7b56\u5229\u7387 (OPR)\u3002OPR \u7531\u4e2d\u592e\u94f6\u884c\u8bbe\u5b9a\uff0c\u51b3\u5b9a\u4e86\u501f\u8d37\u6210\u672c\u3002\u603b\u800c\u8a00\u4e4b\uff0cOPR \u8d8a\u4f4e\uff0c\u8d8a\u6709\u5229\u4e8e\u518d\u878d\u8d44\u3002\u6bcf\u5f53 OPR \u4e0b\u964d\u65f6\uff0c\u94f6\u884c\u90fd\u4f1a\u5c06\u8fd9\u4e9b\u6210\u672c\u8282\u7701\u4ee5\u964d\u4f4e\u57fa\u51c6\u8d37\u6b3e\u5229\u7387 (BLR) \u548c\u57fa\u51c6\u5229\u7387\u7684\u5f62\u5f0f\u4f20\u9012\u7ed9\u501f\u6b3e\u4eba\u3002\u56e0\u6b64\uff0c\u8d2d\u623f\u8005\u73b0\u5728\u53ef\u4ee5\u66f4\u8f7b\u677e\u5730\u7533\u8bf7\uff08\u65b0\u7684\uff09\u623f\u5c4b\/\u623f\u4ea7\u8d37\u6b3e\uff0c\u5e76\u4eab\u53d7\u66f4\u4f4e\u7684\u6708\u4f9b\u30022020 \u5e74 5 \u6708 5 \u65e5\uff0c\u9a6c\u6765\u897f\u4e9a\u56fd\u5bb6\u94f6\u884c\u5ba3\u5e03\uff0c\u7531\u4e8e\u65b0\u51a0\u75ab\u60c5\u7684\u5f71\u54cd\uff0c\u9694\u591c\u653f\u7b56\u5229\u7387 (OPR) \u5c06\u5728 2020 \u5e74\u7b2c\u4e09\u6b21\u4e0b\u8c03\u2014\u2014\u76ee\u524d\u4e3a 2%\uff0c\u662f\u81ea 2009 \u5e74\u4ee5\u6765\u7684\u6700\u4f4e\u6c34\u5e73\u3002\u9a6c\u6765\u897f\u4e9a\u6240\u6709\u4e3b\u8981\u94f6\u884c\uff0c\u5305\u62ec\u9a6c\u6765\u4e9a\u94f6\u884c\u3001\u5927\u4f17\u94f6\u884c\u548c\u8054\u660c\u94f6\u884c\uff0c\u90fd\u5df2\u54cd\u5e94 OPR \u7684\u4e0b\u8c03\uff0c\u5c06\u5b9e\u9645\u8d37\u6b3e\u5229\u7387\u4e0b\u8c03\u4e86 50 \u4e2a\u57fa\u70b9\u3002<\/li>\n<\/ol>\n<p>&nbsp;<\/p>\n<h2><strong>\u9010\u6b65\u6307\u5bfc\u60a8\u5982\u4f55\u8fdb\u884c\u623f\u4ea7\u518d\u878d\u8d44<\/strong><\/h2>\n<style>#sp-ea-4880 .spcollapsing { height: 0; overflow: hidden; transition-property: height;transition-duration: 500ms;}#sp-ea-4880.sp-easy-accordion>.sp-ea-single {margin-bottom: 10px; border: 1px solid #e2e2e2; }#sp-ea-4880.sp-easy-accordion>.sp-ea-single>.ea-header a {color: #444;}#sp-ea-4880.sp-easy-accordion>.sp-ea-single>.sp-collapse>.ea-body {background: #fff; color: #444;}#sp-ea-4880.sp-easy-accordion>.sp-ea-single {background: #eee;}#sp-ea-4880.sp-easy-accordion>.sp-ea-single>.ea-header a .ea-expand-icon { float: left; color: #444;font-size: 16px;}<\/style><div id=\"sp_easy_accordion-1780748330\"><div id=\"sp-ea-4880\" class=\"sp-ea-one sp-easy-accordion\" data-ea-active=\"ea-click\" data-ea-mode=\"vertical\" data-preloader=\"\" data-scroll-active-item=\"\" data-offset-to-scroll=\"0\"><div class=\"ea-card ea-expand sp-ea-single\"><h3 class=\"ea-header\"><a class=\"collapsed\" id=\"ea-header-48800\" role=\"button\" data-sptoggle=\"spcollapse\" data-sptarget=\"#collapse48800\" aria-controls=\"collapse48800\" href=\"#\" aria-expanded=\"true\" tabindex=\"0\"><i aria-hidden=\"true\" role=\"presentation\" class=\"ea-expand-icon eap-icon-ea-expand-minus\"><\/i> \u8bc4\u4f30\u60a8\u7684\u76ee\u6807\u548c\u5f53\u524d\u8d37\u6b3e<\/a><\/h3><div class=\"sp-collapse spcollapse collapsed show\" id=\"collapse48800\" data-parent=\"#sp-ea-4880\" role=\"region\" aria-labelledby=\"ea-header-48800\"> <div class=\"ea-body\"><p dir=\"auto\">\u68c0\u67e5\u60a8\u7684\u76ee\u6807\uff08\u964d\u4f4e\u8fd8\u6b3e\u989d\u3001\u63d0\u524d\u652f\u53d6\u73b0\u91d1\u3001\u66f4\u4f18\u60e0\u7684\u6761\u6b3e\uff09\u3002\u67e5\u770b\u60a8\u5f53\u524d\u7684\u8d37\u6b3e\u4f59\u989d\u3001\u5269\u4f59\u671f\u9650\u548c\u9501\u5b9a\u671f\uff08\u4ee5\u907f\u514d\u63d0\u524d\u8fd8\u6b3e\u7f5a\u91d1\uff09\u3002<\/p><\/div><\/div><\/div><div class=\"ea-card sp-ea-single\"><h3 class=\"ea-header\"><a class=\"collapsed\" id=\"ea-header-48801\" role=\"button\" data-sptoggle=\"spcollapse\" data-sptarget=\"#collapse48801\" aria-controls=\"collapse48801\" href=\"#\" aria-expanded=\"false\" tabindex=\"0\"><i aria-hidden=\"true\" role=\"presentation\" class=\"ea-expand-icon eap-icon-ea-expand-plus\"><\/i> \u68c0\u67e5\u8d44\u683c<\/a><\/h3><div class=\"sp-collapse spcollapse\" id=\"collapse48801\" data-parent=\"#sp-ea-4880\" role=\"region\" aria-labelledby=\"ea-header-48801\"> <div class=\"ea-body\"><ul><li>Malaysian citizen\/PR<\/li><li>Age 21\u201365\/70 (at loan end)<\/li><li>Stable income (min. RM3,000+ typically)<\/li><li>Good credit record and manageable debt service ratio (DSR)<\/li><\/ul><\/div><\/div><\/div><div class=\"ea-card sp-ea-single\"><h3 class=\"ea-header\"><a class=\"collapsed\" id=\"ea-header-48802\" role=\"button\" data-sptoggle=\"spcollapse\" data-sptarget=\"#collapse48802\" aria-controls=\"collapse48802\" href=\"#\" aria-expanded=\"false\" tabindex=\"0\"><i aria-hidden=\"true\" role=\"presentation\" class=\"ea-expand-icon eap-icon-ea-expand-plus\"><\/i> \u51c6\u5907\u6587\u4ef6<\/a><\/h3><div class=\"sp-collapse spcollapse\" id=\"collapse48802\" data-parent=\"#sp-ea-4880\" role=\"region\" aria-labelledby=\"ea-header-48802\"> <div class=\"ea-body\"><ul><li>MyKad (front &amp; back)<\/li><li>Latest 3 months payslips \/ income proof<\/li><li>Bank statements (3\u20136 months)<\/li><li>Current home loan statement &amp; Letter of Offer<\/li><li>Sales &amp; Purchase Agreement \/ Title deed<\/li><li>EPF statement &amp; latest tax Form BE<\/li><\/ul><\/div><\/div><\/div><div class=\"ea-card sp-ea-single\"><h3 class=\"ea-header\"><a class=\"collapsed\" id=\"ea-header-48803\" role=\"button\" data-sptoggle=\"spcollapse\" data-sptarget=\"#collapse48803\" aria-controls=\"collapse48803\" href=\"#\" aria-expanded=\"false\" tabindex=\"0\"><i aria-hidden=\"true\" role=\"presentation\" class=\"ea-expand-icon eap-icon-ea-expand-plus\"><\/i> \u6bd4\u8f83\u5e76\u63d0\u4ea4\u7533\u8bf7<\/a><\/h3><div class=\"sp-collapse spcollapse\" id=\"collapse48803\" data-parent=\"#sp-ea-4880\" role=\"region\" aria-labelledby=\"ea-header-48803\"> <div class=\"ea-body\"><p dir=\"auto\">\u4e3a\u60a8\u63d0\u4f9b\u5404\u5927\u94f6\u884c\u518d\u878d\u8d44\u4fe1\u606f\u7684\u54a8\u8be2\u670d\u52a1\u3002\u6211\u4eec\u7684\u987e\u95ee\u5c06\u63a8\u8350\u6700\u4f73\u65b9\u6848\uff0c\u51c6\u5907\u60a8\u7684\u7533\u8bf7\u6750\u6599\uff0c\u5e76\u63d0\u4ea4\u7ed9\u5408\u4f5c\u8d37\u6b3e\u673a\u6784\u3002<\/p><\/div><\/div><\/div><div class=\"ea-card sp-ea-single\"><h3 class=\"ea-header\"><a class=\"collapsed\" id=\"ea-header-48804\" role=\"button\" data-sptoggle=\"spcollapse\" data-sptarget=\"#collapse48804\" aria-controls=\"collapse48804\" href=\"#\" aria-expanded=\"false\" tabindex=\"0\"><i aria-hidden=\"true\" role=\"presentation\" class=\"ea-expand-icon eap-icon-ea-expand-plus\"><\/i> \u623f\u4ea7\u4f30\u4ef7\u4e0e\u5ba1\u6279<\/a><\/h3><div class=\"sp-collapse spcollapse\" id=\"collapse48804\" data-parent=\"#sp-ea-4880\" role=\"region\" aria-labelledby=\"ea-header-48804\"> <div class=\"ea-body\"><p dir=\"auto\">\u94f6\u884c\u4f1a\u5b89\u6392\u8bc4\u4f30\u3002\u4e00\u65e6\u83b7\u5f97\u6279\u51c6\uff0c\u65b0\u8d37\u6b3e\u5c06\u7528\u4e8e\u507f\u8fd8\u60a8\u73b0\u6709\u7684\u8d37\u6b3e\u3002\u5ba1\u6279\u8fc7\u7a0b\u901a\u5e38\u9700\u8981 2-8 \u5468\u3002<\/p><\/div><\/div><\/div><div class=\"ea-card sp-ea-single\"><h3 class=\"ea-header\"><a class=\"collapsed\" id=\"ea-header-48805\" role=\"button\" data-sptoggle=\"spcollapse\" data-sptarget=\"#collapse48805\" aria-controls=\"collapse48805\" href=\"#\" aria-expanded=\"false\" tabindex=\"0\"><i aria-hidden=\"true\" role=\"presentation\" class=\"ea-expand-icon eap-icon-ea-expand-plus\"><\/i> \u53d1\u653e\u8d37\u6b3e\u53ca\u542f\u52a8\u65b0\u8d37\u6b3e<\/a><\/h3><div class=\"sp-collapse spcollapse\" id=\"collapse48805\" data-parent=\"#sp-ea-4880\" role=\"region\" aria-labelledby=\"ea-header-48805\"> <div class=\"ea-body\"><p dir=\"auto\">\u9886\u53d6\u4efb\u4f55\u73b0\u91d1\uff08\u5982\u9002\u7528\uff09\uff0c\u5e76\u5f00\u59cb\u65b0\u7684\u6708\u4f9b\u3002<\/p><\/div><\/div><\/div><\/div><\/div>\n<p>&nbsp;<\/p>","protected":false},"excerpt":{"rendered":"<p>\u623f\u5c4b\u62b5\u62bc\u8d37\u6b3e\u518d\u878d\u8d44\u662f\u6307\u507f\u8fd8\u73b0\u6709\u8d37\u6b3e\u5e76\u7528\u65b0\u8d37\u6b3e\u53d6\u800c\u4ee3\u4e4b\u3002 <\/p>","protected":false},"author":3,"featured_media":5122,"template":"","class_list":["post-4851","pylon_service","type-pylon_service","status-publish","has-post-thumbnail","hentry"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/mvm.mortgage\/zh\/wp-json\/wp\/v2\/pylon_service\/4851","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/mvm.mortgage\/zh\/wp-json\/wp\/v2\/pylon_service"}],"about":[{"href":"https:\/\/mvm.mortgage\/zh\/wp-json\/wp\/v2\/types\/pylon_service"}],"author":[{"embeddable":true,"href":"https:\/\/mvm.mortgage\/zh\/wp-json\/wp\/v2\/users\/3"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/mvm.mortgage\/zh\/wp-json\/wp\/v2\/media\/5122"}],"wp:attachment":[{"href":"https:\/\/mvm.mortgage\/zh\/wp-json\/wp\/v2\/media?parent=4851"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}