{"id":4853,"date":"2021-09-04T15:20:33","date_gmt":"2021-09-04T07:20:33","guid":{"rendered":"https:\/\/mvm.mortgage\/?post_type=pylon_service&#038;p=4853"},"modified":"2026-06-05T16:13:14","modified_gmt":"2026-06-05T08:13:14","slug":"personal-loan","status":"publish","type":"pylon_service","link":"https:\/\/mvm.mortgage\/zh\/pylon_service\/personal-loan\/","title":{"rendered":"\u4e2a\u4eba\u8d37\u6b3e"},"content":{"rendered":"<h2><strong>\u4e2a\u4eba\u8d37\u6b3e<\/strong><\/h2>\n<p data-path-to-node=\"3\">A <b data-path-to-node=\"3\" data-index-in-node=\"2\">\u4e2a\u4eba\u8d37\u6b3e<\/b> \u662f\u4e00\u79cd\u7075\u6d3b\u7684\u91d1\u878d\u89e3\u51b3\u65b9\u6848\uff0c\u65e8\u5728\u5e2e\u52a9\u60a8\u5f25\u5408\u5f53\u524d\u9884\u7b97\u4e0e\u672a\u6765\u8d22\u52a1\u76ee\u6807\u4e4b\u95f4\u7684\u5dee\u8ddd\u3002\u4e0e\u7279\u5b9a\u7528\u9014\u8d37\u6b3e\uff08\u4f8b\u5982\u6c7d\u8f66\u8d37\u6b3e\u6216\u62b5\u62bc\u8d37\u6b3e\uff09\u4e0d\u540c\uff0c\u4e2a\u4eba\u8d37\u6b3e\u53ef\u4ee5\u4e3a\u60a8\u63d0\u4f9b\u4e00\u7b14\u9884\u4ed8\u73b0\u91d1\uff0c\u7528\u4e8e\u51e0\u4e4e\u4efb\u4f55\u5408\u6cd5\u7684\u4e2a\u4eba\u652f\u51fa\u3002<\/p>\n<p data-path-to-node=\"4\">\u4e00\u65e6\u83b7\u5f97\u6279\u51c6\uff0c\u8d44\u91d1\u5c06\u76f4\u63a5\u62e8\u4ed8\u5230\u60a8\u7684\u8d26\u6237\uff0c\u60a8\u5c06\u5728\u56fa\u5b9a\u671f\u9650\u5185\u901a\u8fc7\u53ef\u9884\u6d4b\u7684\u6708\u4f9b\u5206\u671f\u507f\u8fd8\u6b3e\u9879\u3002<\/p>\n<h3 data-path-to-node=\"6\">\u4e3b\u8981\u7279\u70b9\u548c\u4f18\u70b9<\/h3>\n<ul data-path-to-node=\"7\">\n<li>\n<p data-path-to-node=\"7,0,0\"><b data-path-to-node=\"7,0,0\" data-index-in-node=\"0\">\u56fa\u5b9a\u6708\u4ed8\u6b3e\uff1a<\/b> \u56fa\u5b9a\u5229\u7387\u548c\u6bcf\u6708\u56fa\u5b9a\u8fd8\u6b3e\u989d\uff0c\u8ba9\u60a8\u5b89\u5fc3\u65e0\u5fe7\uff0c\u8f7b\u677e\u89c4\u5212\u6bcf\u6708\u9884\u7b97\u3002<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"7,1,0\"><b data-path-to-node=\"7,1,0\" data-index-in-node=\"0\">\u65e0\u9700\u62b5\u62bc\uff1a<\/b> \u5927\u591a\u6570\u4e2a\u4eba\u8d37\u6b3e\u662f <b data-path-to-node=\"7,1,0\" data-index-in-node=\"48\">\u65e0\u62c5\u4fdd\u7684<\/b>\u8fd9\u610f\u5473\u7740\u60a8\u65e0\u9700\u62b5\u62bc\u60a8\u7684\u623f\u5c4b\u3001\u6c7d\u8f66\u6216\u5176\u4ed6\u8d44\u4ea7\u4f5c\u4e3a\u62c5\u4fdd\u3002<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"7,2,0\"><b data-path-to-node=\"7,2,0\" data-index-in-node=\"0\">\u7075\u6d3b\u7684\u8fd8\u6b3e\u671f\u9650\uff1a<\/b> \u9009\u62e9\u9002\u5408\u60a8\u7ecf\u6d4e\u80fd\u529b\u7684\u8fd8\u6b3e\u671f\u9650\uff0c\u901a\u5e38\u4e3a 1 \u81f3 5 \u5e74\uff08\u6216\u66f4\u957f\uff0c\u5177\u4f53\u53d6\u51b3\u4e8e\u8d44\u683c\uff09\u3002<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"7,3,0\" class=\"translation-block\"><b data-path-to-node=\"7,3,0\" data-index-in-node=\"0\">\u5feb\u901f\u5ba1\u6279:<\/b> \u901a\u8fc7\u7b80\u5316\u7684\u6570\u5b57\u5316\u5904\u7406\u6d41\u7a0b\uff0c\u8d44\u91d1\u901a\u5e38\u53ef\u4ee5\u5728\u51e0\u4e2a\u5de5\u4f5c\u65e5\u5185\u83b7\u5f97\u6279\u51c6\u5e76\u62e8\u4ed8\u3002<\/p>\n<\/li>\n<\/ul>\n<h3 data-path-to-node=\"9\"><\/h3>\n<h3 data-path-to-node=\"9\">\u4e2a\u4eba\u8d37\u6b3e\u7684\u5e38\u89c1\u7528\u9014<\/h3>\n<p data-path-to-node=\"10\">\u65e0\u8bba\u60a8\u662f\u4e3a\u4eba\u751f\u4e2d\u7684\u91cd\u8981\u91cc\u7a0b\u7891\u505a\u51c6\u5907\uff0c\u8fd8\u662f\u5e94\u5bf9\u7a81\u53d1\u4e8b\u4ef6\uff0c\u4e2a\u4eba\u8d37\u6b3e\u90fd\u53ef\u4ee5\u7528\u4e8e\uff1a<\/p>\n<ul data-path-to-node=\"11\">\n<li>\n<p data-path-to-node=\"11,0,0\"><b data-path-to-node=\"11,0,0\" data-index-in-node=\"0\">\u503a\u52a1\u6574\u5408\uff1a<\/b> \u5c06\u591a\u7b14\u9ad8\u606f\u503a\u52a1\uff08\u5982\u4fe1\u7528\u5361\u6b20\u6b3e\uff09\u5408\u5e76\u4e3a\u4e00\u7b14\u4f4e\u606f\u6708\u4f9b\u3002<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"11,1,0\"><b data-path-to-node=\"11,1,0\" data-index-in-node=\"0\">\u623f\u5c4b\u7ffb\u65b0\uff1a<\/b> \u4e3a\u623f\u5c4b\u7ef4\u4fee\u3001\u6539\u9020\u6216\u5347\u7ea7\u63d0\u4f9b\u8d44\u91d1\uff0c\u4ee5\u63d0\u5347\u623f\u4ea7\u4ef7\u503c\u3002<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"11,2,0\"><b data-path-to-node=\"11,2,0\" data-index-in-node=\"0\">\u533b\u7597\u8d39\u7528\uff1a<\/b> \u8f7b\u677e\u5e94\u5bf9\u610f\u5916\u533b\u7597\u8d39\u7528\u6216\u533b\u7597\u8d26\u5355\u3002<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"11,3,0\"><b data-path-to-node=\"11,3,0\" data-index-in-node=\"0\">\u4e3b\u8981\u751f\u6d3b\u4e8b\u4ef6\uff1a<\/b> \u4e3a\u5a5a\u793c\u3001\u9ad8\u7b49\u6559\u80b2\u6216\u5bb6\u5ead\u642c\u8fc1\u7b49\u91cd\u5927\u4eba\u751f\u91cc\u7a0b\u7891\u63d0\u4f9b\u8d44\u91d1\u652f\u6301\u3002<\/p>\n<\/li>\n<\/ul>\n<style>#sp-ea-4884 .spcollapsing { height: 0; overflow: hidden; transition-property: height;transition-duration: 500ms;}#sp-ea-4884.sp-easy-accordion>.sp-ea-single {margin-bottom: 10px; border: 1px solid #e2e2e2; }#sp-ea-4884.sp-easy-accordion>.sp-ea-single>.ea-header a {color: #444;}#sp-ea-4884.sp-easy-accordion>.sp-ea-single>.sp-collapse>.ea-body {background: #fff; color: #444;}#sp-ea-4884.sp-easy-accordion>.sp-ea-single {background: #eee;}#sp-ea-4884.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-1780647376\"><div id=\"sp-ea-4884\" 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-48840\" role=\"button\" data-sptoggle=\"spcollapse\" data-sptarget=\"#collapse48840\" aria-controls=\"collapse48840\" href=\"#\" aria-expanded=\"true\" tabindex=\"0\"><i aria-hidden=\"true\" role=\"presentation\" class=\"ea-expand-icon eap-icon-ea-expand-minus\"><\/i> \u8054\u7cfb\u65b9\u5f0f<\/a><\/h3><div class=\"sp-collapse spcollapse collapsed show\" id=\"collapse48840\" data-parent=\"#sp-ea-4884\" role=\"region\" aria-labelledby=\"ea-header-48840\"> <div class=\"ea-body\"><p>\u8bf7\u8054\u7cfb\u6211\u4eec\uff0c\u6211\u4eec\u7684\u7ecf\u7eaa\u4eba\u5c06\u5b89\u6392\u4e00\u6b21Zoom\u4f1a\u8bae\u6216\u7535\u8bdd\u4f1a\u8bae\uff0c\u4ee5\u4e86\u89e3\u60a8\u76ee\u524d\u7684\u76ee\u6807\u3002<\/p><\/div><\/div><\/div><div class=\"ea-card sp-ea-single\"><h3 class=\"ea-header\"><a class=\"collapsed\" id=\"ea-header-48841\" role=\"button\" data-sptoggle=\"spcollapse\" data-sptarget=\"#collapse48841\" aria-controls=\"collapse48841\" href=\"#\" aria-expanded=\"false\" tabindex=\"0\"><i aria-hidden=\"true\" role=\"presentation\" class=\"ea-expand-icon eap-icon-ea-expand-plus\"><\/i> What is the minimum and maximum loan amount, and what is the typical tenure?<\/a><\/h3><div class=\"sp-collapse spcollapse\" id=\"collapse48841\" data-parent=\"#sp-ea-4884\" role=\"region\" aria-labelledby=\"ea-header-48841\"> <div class=\"ea-body\"><ul><li><strong>Minimum<\/strong>: Usually RM5,000 (can be lower in some cases).<\/li><li><strong>Maximum<\/strong>: Up to RM100,000\u2013RM250,000 or more, depending on the bank, income, and credit profile.<\/li><li><strong>Tenure<\/strong>: Typically 1\u201310 years (maximum often capped at 10 years by Bank Negara Malaysia guidelines). Shorter tenures mean higher monthly payments but lower total interest.<\/li><\/ul><\/div><\/div><\/div><div class=\"ea-card sp-ea-single\"><h3 class=\"ea-header\"><a class=\"collapsed\" id=\"ea-header-48842\" role=\"button\" data-sptoggle=\"spcollapse\" data-sptarget=\"#collapse48842\" aria-controls=\"collapse48842\" href=\"#\" aria-expanded=\"false\" tabindex=\"0\"><i aria-hidden=\"true\" role=\"presentation\" class=\"ea-expand-icon eap-icon-ea-expand-plus\"><\/i> What documents are needed to apply, and how long does approval take?<\/a><\/h3><div class=\"sp-collapse spcollapse\" id=\"collapse48842\" data-parent=\"#sp-ea-4884\" role=\"region\" aria-labelledby=\"ea-header-48842\"> <div class=\"ea-body\"><p dir=\"auto\">Common documents include:<\/p><ul dir=\"auto\"><li>MyKad<\/li><li>Latest pay slips\/bank statements<\/li><li>EPF statement<\/li><li>Completed application form (for self-employed: additional business docs).<\/li><\/ul><p dir=\"auto\">Approval can be fast to a few days, depending on the bank and verification.<\/p><\/div><\/div><\/div><div class=\"ea-card sp-ea-single\"><h3 class=\"ea-header\"><a class=\"collapsed\" id=\"ea-header-48843\" role=\"button\" data-sptoggle=\"spcollapse\" data-sptarget=\"#collapse48843\" aria-controls=\"collapse48843\" href=\"#\" aria-expanded=\"false\" tabindex=\"0\"><i aria-hidden=\"true\" role=\"presentation\" class=\"ea-expand-icon eap-icon-ea-expand-plus\"><\/i> Do I need collateral\/guarantor, and what happens if I have bad credit or want to prepay?<\/a><\/h3><div class=\"sp-collapse spcollapse\" id=\"collapse48843\" data-parent=\"#sp-ea-4884\" role=\"region\" aria-labelledby=\"ea-header-48843\"> <div class=\"ea-body\"><p dir=\"auto\">Personal loans are unsecured (no collateral or guarantor required in most cases). Prepayment\/early settlement is usually allowed but may incur a small rebate or fee. Banks assess credit via CTOS\/CCRIS; poor credit can lead to rejection or higher rates.<\/p><\/div><\/div><\/div><\/div><\/div>","protected":false},"excerpt":{"rendered":"<p>\u4e00\u79cd\u4eba\u5bff\u4fdd\u9669\uff0c\u65e8\u5728\u60a8\u4e0d\u5e78\u8eab\u6545\u540e\u507f\u8fd8\u60a8\u7684\u623f\u8d37\u3002<\/p>","protected":false},"author":3,"featured_media":5124,"template":"","class_list":["post-4853","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\/4853","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\/5124"}],"wp:attachment":[{"href":"https:\/\/mvm.mortgage\/zh\/wp-json\/wp\/v2\/media?parent=4853"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}