{"id":950,"date":"2025-02-06T11:47:11","date_gmt":"2025-02-06T03:47:11","guid":{"rendered":"https:\/\/hu662.shop\/blog\/?p=950"},"modified":"2025-02-14T15:25:27","modified_gmt":"2025-02-14T07:25:27","slug":"government-loan","status":"publish","type":"post","link":"https:\/\/hu662.shop\/blog\/950\/government-loan\/","title":{"rendered":"2025\u8ecd\u516c\u6559\u8cb8\u6b3e\u5404\u9280\u884c\u512a\u60e0\u5229\u7387\u7e3d\u6bd4\u8f03.\u7533\u8acb\u689d\u4ef6.\u9650\u5236\u4e00\u6b21\u770b"},"content":{"rendered":"\n

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      \u56e0\u6b64\uff0c\u5982\u679c\u9810\u671f\u8cb8\u6b3e\u91d1\u984d\u8d85\u904e80\u842c\u5143\uff0c\u5efa\u8b70\u53ef\u4ee5\u8f49\u5411\u6c11\u71df\u9280\u884c\u7533\u8acb\u4fe1\u7528\u8cb8\u6b3e\uff0c\u56e0\u8ecd\u516c\u6559\u4eba\u54e1\u672c\u8eab\u5de5\u4f5c\u7a69\u5b9a\u3001\u6536\u5165\u72c0\u6cc1\u826f\u597d\uff0c\u53ea\u8981\u662f\u5e73\u65e5\u4fe1\u7528\u5361\u4f7f\u7528\u7fd2\u6163\u826f\u597d\uff0c\u4fe1\u7528\u597d\u3001\u806f\u5fb5\u4f73\uff0c\u5c31\u5f88\u5bb9\u6613\u7533\u8acb\u5230\u5229\u7387\u4f4e\u3001\u984d\u5ea6\u9ad8\u7684\u4fe1\u7528\u8cb8\u6b3e\uff0c\u4e0d\u4e00\u5b9a\u975e\u6307\u5b9a\u516c\u80a1\u9280\u884c\u4e0d\u53ef\u5594\uff01<\/p>\n\n\n\n

      \u5ef6\u4f38\u95b1\u8b80\uff1a\u4fdd\u8b49\u4eba\u662f\u4ec0\u9ebc\uff1f\u4fdd\u8b49\u4eba\u7684\u689d\u4ef6.\u6b0a\u76ca\u5927\u63ed\u5bc6\uff01\u9023\u5e36\u4fdd\u8b49\u4eba\u53ef\u4ee5\u514d\u8cac\u55ce\uff1f<\/a><\/pre>\n\n\n\n

      \u4f4e\u5229\u7387\u3001\u9ad8\u984d\u5ea6\u7684\u8ecd\u516c\u6559\u8cb8\u6b3e\u7533\u8acb\u65b9\u6cd5<\/h2>\n\n\n\n

      \u516c\u80a1\u9280\u884c\u7684\u8ecd\u516c\u6559\u4fe1\u8cb8\u65b9\u6848\u9650\u5236\u591a\uff0c\u60f3\u8981\u7533\u8acb\u8f03\u5927\u984d\u7684\u4fe1\u7528\u8cb8\u6b3e\uff0c\u53ef\u4ee5\u8f49\u5411\u6c11\u71df\u9280\u884c\u7533\u8acb\uff0c\u4e00\u6a23\u53ef\u4ee5\u7533\u8acb\u5230\u5229\u7387\u4f4e\uff0c\u4e14\u984d\u5ea6\u8db3\u5920\u7684\u4fe1\u7528\u8cb8\u6b3e\u5594\uff01<\/p>\n\n\n\n

        \n
      1. \u76f4\u63a5\u627e\u7cbe\u9078\u4fe1\u8cb8\u65b9\u6848\u63a8\u85a6<\/a>\uff0c\u9078\u64c7\u9069\u5408\u4f60\u7684\u6700\u4f73\u65b9\u6848\u3002<\/li>\n\n\n\n
      2. \u5b8c\u6210\u500b\u4eba\u5316\u4fe1\u8cb8\u9810\u6e2c\u8a55\u4f30<\/a>\uff0c\u7531\u5c08\u4eba\u70ba\u4f60\u670d\u52d9\u3002<\/li>\n<\/ol>\n\n\n\n

        AlphaLoan 50\u842c\u6703\u54e1\u7d71\u8a08\u7cbe\u9078\u4fe1\u8cb8\u65b9\u6848\u63a8\u85a6<\/a>\uff0c\u5206\u6790\u51fa\u6700\u7b26\u5408\u6307\u5b9a\u9700\u6c42\u7684\u65b9\u6848\uff0c\u7121\u8ad6\u662f\u60f3\u8981\u6700\u4f4e\u5229\u8cb8\u6b3e\u3001\u6574\u5408\u904e\u4ef6\u7387\u6700\u9ad8\u4fe1\u8cb8\uff0c\u9069\u5408\u5df2\u7d93\u660e\u767d\u81ea\u5df1\u9700\u6c42\u7684\u4f60\u3002<\/p>\n\n\n\n

        \u5982\u679c\u60f3\u8981\u500b\u4eba\u5316\u7684\u4fe1\u7528\u8cb8\u6b3e\u8a55\u4f30\u5831\u544a\uff0c\u53ef\u5229\u7528AlphaLoan\u5be6\u8cb8\u6bd4\u8f03\u7db2<\/a>\uff0c\u514d\u8cbb\u3001\u514d\u806f\u5fb5\u9810\u6e2c\u4fe1\u8cb8\u5229\u7387\u548c\u904e\u4ef6\u7387\uff0c\u4e26\u7531\u5c08\u4eba\u5354\u52a9\u4f60\u3002<\/p>\n\n\n

        \n
        \"\"<\/a><\/figure><\/div>\n\n\n

        12\u500b\u9280\u884c\u8ecd\u516c\u6559\u8cb8\u6b3e\u65b9\u6848\u7e3d\u6574\u7406<\/h2>\n\n\n\n

        (\u9ede\u64ca\u9280\u884c\u65b9\u6848\u540d\u7a31\u5feb\u901f\u9032\u5165\u9280\u884c\u5b98\u7db2\u7533\u8acb)<\/p>\n\n\n\n

        \u9280\u884c<\/td>\u65b9\u6848\u540d\u7a31<\/td>\u9069\u7528\u5c0d\u8c61<\/td>\u5229\u7387&APR<\/a><\/td><\/tr>
        \u6ed9\u8c50\u9280\u884c<\/a><\/td>\u516c\u6559\/\u83c1\u82f1\u65cf\u7fa4<\/a><\/td>\u25cf \u7cbe\u9078\u4f01\u696d\u516c\u53f8 \/ \u91d1\u878d\u540c\u696d \/ \u516c\u6559\u4eba\u54e1<\/td>\u25cf \u5229\u7387\uff1a\u9996\u671f 0.01%\uff0c\u7b2c2\u671f\u8d772.54%\u8d77
        \u25cf \u624b\u7e8c\u8cbb\uff1aNT$ 0 \u5143
        \u25cf APR\uff1a2.46%~16.78%<\/td><\/tr>
        \u6e23\u6253\u9280\u884c<\/a><\/td>\u5c0a\u7235\u5c08\u6848<\/a><\/td>\u25cf \u653f\u5e9c\u6a5f\u95dc\u516c\u52d9\u54e1\u3001\u6559\u6388\u3001\u6559\u5e2b\u3001\u4e09\u5e2b\u3001\u91d1\u878d\u540c\u696d<\/td>\u25cf \u5229\u7387\uff1a\u9996\u671f 0.01%\uff0c\u7b2c2\u671f\u8d772.88%\u8d77
        \u25cf \u624b\u7e8c\u8cbb\uff1aNT$ 0 \u5143
        \u25cf APR\uff1a2.79%~15.41%<\/td><\/tr>
        \u6c38\u8c50\u9280\u884c<\/a><\/td>\u8ecd\u516c\u6559\u5c0a\u69ae\u4fe1\u8cb8<\/a><\/td>\u25cf \u4e2d\u592e\u53ca\u5730\u65b9\u5404\u6a5f\u95dc\u516c\u52d9\u4eba\u54e1\u3001\u8b66\u52d9\u4eba\u54e1\u3001\u6d88\u9632\u4eba\u54e1\u3001\u96c7\u54e1\u3001\u6280\u5de5\u3001\u5de5\u53cb\u53ca\u7d04\u8058\u50f1\u4eba\u54e1
        \u25cf \u516c\u79c1\u7acb\u5b78\u6821(\u542b\u9644\u8a2d\u5e7c\u5152\u5712)\u6559\u8077\u54e1\u5de5\u3001\u4ee3\u8ab2\u8001\u5e2b\u53ca\u7d04\u8058\u50f1\u4eba\u54e1
        \u25cf \u5c09\u7d1a(\u542b)\u4ee5\u4e0a\u8ecd\u4eba
        \u25cf \u516c\u71df\u4e8b\u696d\u6a5f\u69cb\u54e1\u5de5\u53ca\u7d04\u8058\u50f1\u4eba\u54e1<\/td>
        \u25cf \u5229\u7387\uff1a\u4e00\u6bb5\u5f0f2.3%\u8d77
        \u25cf \u624b\u7e8c\u8cbb\uff1aNT$ 0 \u8d77
        \u25cf APR\uff1a2.30%~10.23%<\/td><\/tr>
        \u7389\u5c71\u9280\u884c<\/a><\/td>\u516c\u6559 \/ \u512a\u8cea\u5ba2\u7fa4<\/a><\/td>\u25cf \u73fe\u8077\u65bc\u516c\u52d9\u6a5f\u95dc\u4e4b\u516c\u6559\u53ca\u570b\u71df\u4e8b\u696d\u6b63\u8077\u4eba\u54e1
        \u25cf \u5177\u570b\u5bb6\u9ad8\u7b49\u8003\u8a66\u5408\u683c\u8b49\u7167\u8005<\/td>
        \u25cf \u5229\u7387\uff1a\u4e00\u6bb5\u5f0f\u5229\u73872.95%\u8d77
        \u25cf \u624b\u7e8c\u8cbb\uff1aNT$ 2,000\u8d77
        \u25cf APR\uff1a3.22%~16.31%<\/td><\/tr>
        \u4e2d\u570b\u4fe1\u8a17<\/a><\/td>\u516c\u6559\/\u767d\u9818\u65b9\u6848<\/a><\/td>\u25cf\u73fe\u8077\u65bc\u516c\u52d9\u6a5f\u95dc\u4e4b\u516c\u6559\u53ca\u8ecd\u8b66\u4eba\u54e1\u6216\u73fe\u4efb\u65bc\u7e3e\u512a\u516c\u53f8\u4e3b\u7ba1<\/td>\u25cf \u5229\u7387\uff1a\u5b9a\u5132\u6307\u6578+1.29%\u8d77
        \u25cf \u624b\u7e8c\u8cbb\uff1aNT$ 5,000\u8d77
        \u25cf APR\uff1a4.14%~16.37%<\/td><\/tr>
        \u5408\u4f5c\u91d1\u5eab<\/td>\u8ecd\u516c\u6559\u4eba\u54e1\u5c0f\u984d\u8cb8\u6b3e<\/td>\u25cf \u8ecd\u516c\u6559\u54e1\u5de5&\u516c\u71df\u4e8b\u696d\u7de8\u5236\u5167\u54e1\u5de5
        \u25cf \u9023\u7e8c\u670d\u52d9\u6eff\u4e00\u5e74\u4ee5\u4e0a\u4e4b\u7d04\u8058\u50f1\u4eba\u54e1<\/td>
        \u25cf \u5229\u7387\uff1a2.295%~4.35%
        \u25cf \u624b\u7e8c\u8cbb\uff1aNT$5,300\u8d77
        \u25cf APR\uff1a3.01%~5.08%\u8d77<\/td><\/tr>
        \u83ef\u5357\u9280\u884c<\/td>\u771f\u5fc3\u597d\u8cb8(\u516c\u6559\u4fe1\u8cb8)<\/td>\u25cf \u76ee\u524d\u670d\u52d9\u55ae\u4f4d\u9808\u4efb\u8077\u671f\u6eff3\u500b\u6708
        \u25cf \u4e2d\u592e\u53ca\u5730\u65b9\u5404\u6a5f\u95dc\u3001\u516c\u7acb\u5b78\u6821\u7de8\u5236\u5167\u54e1\u5de5
        \u25cf \u516c\u71df\u4e8b\u696d\u6a5f\u69cb\u7de8\u5236\u5167\u54e1\u5de5
        \u25cf \u9023\u7e8c\u670d\u52d9\u6eff\u4e00\u5e74\u4ee5\u4e0a\u4e4b\u7d04\u8058\u50f1\u4eba\u54e1<\/td>
        \u25cf \u5229\u7387\uff1ai+0.485%\u8a08\u606f(\u76ee\u524d\u70ba2.205%)1<\/a><\/sup>
        \u25cf \u624b\u7e8c\u8cbb\uff1a2,800\u5143
        \u25cf APR\uff1a2.582%<\/td><\/tr>
        \u53f0\u7063\u9280\u884c<\/td>\u516c\u6559\/\u512a\u4f01\u5c08\u6848<\/td>\u25cf \u516c\u6559\u53ca\u516c\u71df\u4e8b\u696d\u54e1\u5de5
        \u25cf \u5f8b\u5e2b\u3001\u6703\u8a08\u5e2b\u3001\u79c1\u7acb\u4e2d\u5c0f\u5b78\u4ee5\u4e0a\u6559\u5e2b\u3001\u6821\u5b98\u7d1a\u4ee5\u4e0a\u8ecd\u5b98\u3001\u91ab\u4e8b\u6216\u5efa\u7bc9\u5c08\u696d\u4eba\u54e1<\/td>
        \u25cf \u5229\u7387\uff1a2.885%\u8d77
        \u25cf \u624b\u7e8c\u8cbb\uff1aNT$ 3,300
        \u25cf APR\uff1a3.33%\u8d77<\/td><\/tr>
        \u571f\u5730\u9280\u884c<\/td>\u8cbc\u5fc3\u76f8\u8cb8<\/td>\u25cf \u4e2d\u592e\u53ca\u5730\u65b9\u5404\u6a5f\u95dc\u3001\u516c\u7acb\u5b78\u6821\u53ca\u516c\u71df\u4e8b\u696d\u6a5f\u69cb\u54e1\u5de5\u3002\u5305\u542b\uff1a
        1. \u5404\u6a5f\u95dc\u516c\u52d9\u4eba\u54e1\u3001\u96c7\u54e1\u53ca\u6280\u5de5\u3001\u5de5\u53cb\u3002
        2. \u5404\u7d1a\u516c\u7acb\u5b78\u6821\u6559\u8077\u54e1\u5de5\u3002
        3. \u516c\u71df\u4e8b\u696d\u6a5f\u69cb\u54e1\u5de5\u3002
        4. \u9023\u7e8c\u670d\u52d9\u6eff1\u5e74\u4e4b\u7d04\u8058\u50f1\u4eba\u54e1\u3002
        5. \u9023\u7e8c\u670d\u52d9\u6eff2\u5b78\u5e74\u4e4b\u516c\u7acb\u9ad8\u4e2d(\u8077)\u4ee5\u4e0b\u4ee3\u7406\u8001\u5e2b\u3002<\/td>
        \u25cf \u5229\u7387\uff1ai+0.485%\u8a08\u606f(\u76ee\u524d\u70ba2.145\uff05)2<\/a><\/sup>
        \u25cf \u624b\u7e8c\u8cbb\uff1a\u514d\u6536
        \u25cf \u7968\u4fe1\u67e5\u8a62\u8cbb\uff1a\u6bcf\u4eba\u6b21100\u5143
        \u25cf APR\uff1a2.158%\uff5e2.171%<\/td><\/tr>
        \u571f\u5730\u9280\u884c<\/td>\u516c\u6559\u54e1\u5de5\u4f4e\u5229\u8cb8\u6b3e<\/td>\u25cf \u4e2d\u592e\u53ca\u5730\u65b9\u6a5f\u95dc\u3001\u516c\u7acb\u5b78\u6821\u53ca\u516c\u71df\u4e8b\u696d\u6a5f\u69cb\u7de8\u5236\u5167\u54e1\u5de5\u53ca\u7d04\u8058\u96c7\u4eba\u54e1<\/td>\u25cf \u5229\u7387\uff1a2.295%\uff5e3.845%
        \u25cf \u624b\u7e8c\u8cbb\uff1aNT$ 5,300~5,600
        \u25cf APR\uff1a3.013%\uff5e4.616%<\/td><\/tr>
        \u53f0\u7063\u4f01\u9280<\/td>e\u5fc3\u76f8\u8cb8<\/td>\u25cf \u4e2d\u592e\u53ca\u5730\u65b9\u653f\u5e9c\u5404\u6a5f\u95dc\u3001\u516c\u7acb\u5b78\u6821\u8207\u516c\u71df\u4e8b\u696d\u6a5f\u69cb\u7de8\u5236\u5167\u54e1\u5de5\uff0c\u4e0d\u542b\u8ecd\u8077\u3001\u8b66\u5bdf\u3001\u7d04\u8058\u50f1\u53ca\u8a66\u7528\u4eba\u54e1<\/td>\u25cf \u5229\u7387\uff1a\u524d3\u500b\u67082.3%\u8a08\u606f\uff0c\u7b2c4\u500b\u6708\u8d773.5%3<\/a><\/sup>
        \u25cf \u624b\u7e8c\u8cbb\uff1aNT$ 7,000
        \u25cf APR\uff1a4.383%\u8d77<\/td><\/tr>
        \u7b2c\u4e00\u9280\u884c<\/td>\u516c\u6559\u4eba\u54e1\u5c08\u5c6c\u4fe1\u8cb8<\/td>\u25cf \u5404\u6a5f\u95dc\u3001\u516c\u7acb\u5b78\u6821\u3001\u516c\u71df\u4e8b\u696d\u4e4b\u6b63\u5f0f\u8077\u54e1\u3002
        \u25cf \u9000\u4f11\u516c\u6559\u4eba\u54e1\u6216\u79c1\u7acb\u5b78\u6821\u6559\u8077\u54e1\u5de5\u3002<\/td>
        \u25cf \u5229\u7387\uff1a2.185%\u8d77
        \u25cf \u624b\u7e8c\u8cbb\uff1a3,000\u5143\u8d77
        \u25cf APR\uff1a2.73%~5.55%<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

        \u7e3d\u8cbb\u7528\u5e74\u767e\u5206\u7387APR\u662f\u4ec0\u9ebc\uff1f<\/strong>
        \u7e3d\u8cbb\u7528\u5e74\u767e\u5206\u7387(Annual Percentage Rate\uff0c\u7c21\u7a31APR)\uff0c\u5c31\u662f\u5c07\u8cb8\u6b3e\u671f\u9593\u6240\u8981\u7e73\u4ea4\u7684\u7e3d\u8cbb\u7528\uff0c\u5e73\u5747\u5206\u6524\u5728\u8cb8\u6b3e\u671f\u9593\uff0c\u91cd\u65b0\u8a08\u7b97\u800c\u6210\u7684\u5be6\u8cea\u5e74\u5229\u7387\u3002<\/p>\n\n\n\n

        \u5ef6\u4f38\u95b1\u8b80\uff1a\u7e3d\u8cbb\u7528\u5e74\u767e\u5206\u7387APR\u662f\u4ec0\u9ebc\uff1f\u8cb8\u6b3e\u5229\u7387\u8a66\u7b97&\u6b63\u78ba\u8a55\u4f30\u65b9\u5f0f<\/a><\/pre>\n\n\n\n

        \u8ecd\u516c\u6559\u8cb8\u6b3e\u5e38\u898b\u554f\u984cQ&A<\/h2>\n\n\n
        \n
        \n
        \n

        Q1. \u8ecd\u516c\u6559\u8cb8\u6b3e\u5229\u7387\u5927\u6982\u662f\u591a\u5c11\uff1f<\/h3>\n
        \n\n

        \u516c\u80a1\u9280\u884c\u7684\u8ecd\u516c\u6559\u8cb8\u6b3e\u5229\u7387\u5927\u6982\u662f2.158%\uff5e5.55%\u5de6\u53f3\u3002<\/p>\n\n<\/div>\n<\/div>\n

        \n

        Q2. \u7533\u8acb\u8ecd\u516c\u6559\u8cb8\u6b3e\u9700\u8981\u4ec0\u9ebc\u689d\u4ef6\uff1f<\/h3>\n
        \n\n

        \u8ecd\u516c\u6559\u8cb8\u6b3e\u7533\u8acb\u689d\u4ef6\u5927\u81f4\u5982\u4e0b\uff1a
        1. \u5e74\u6eff18\u6b72\u7684\u4e2d\u83ef\u6c11\u570b\u570b\u6c11
        2. \u5404\u6a5f\u95dc\u3001\u516c\u7acb\u5b78\u6821\u3001\u516c\u71df\u4e8b\u696d\u4e4b\u6b63\u5f0f\u8077\u54e1
        3. \u73fe\u8077\u5de5\u4f5c\u6eff3\u500b\u6708\u4ee5\u4e0a
        4. \u9023\u7e8c\u670d\u52d9\u6eff1\u5e74\u4ee5\u4e0a\u4e4b\u7d04\u8058\u50f1\u4eba\u54e1
        5. \u4fe1\u7528\u72c0\u6cc1\u826f\u597d<\/p>\n\n<\/div>\n<\/div>\n

        \n

        Q3. \u8ecd\u516c\u6559\u8cb8\u6b3e\u6709\u4ec0\u9ebc\u7f3a\u9ede\uff1f<\/h3>\n
        \n\n

        \u516c\u80a1\u9280\u884c\u7684\u8ecd\u516c\u6559\u8cb8\u6b3e\u7533\u8acb\u984d\u5ea6\u8d85\u904e80\u842c\u5143\uff0c\u9808\u63d0\u4f9b\u4e00\u540d\u540c\u70ba\u8ecd\u516c\u6559\u4eba\u54e1\u7684\u4fdd\u8b49\u4eba\u3002<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n

        1. \u83ef\u5357\u9280\u884c\u771f\u5fc3\u597d\u8cb8(\u516c\u6559\u4fe1\u8cb8)\u5229\u7387\u4f9d\u4e2d\u83ef\u90f5\u653f\u4e8c\u5e74\u671f\u5b9a\u671f\u5132\u91d1\u6a5f\u52d5\u5229\u7387\uff0b0.485%\u8a08\u606f \u21a9\ufe0e<\/a><\/li>
        2. \u571f\u5730\u9280\u884c\u8cbc\u5fc3\u76f8\u8cb8\u5229\u7387\u4f9d\u4e2d\u83ef\u90f5\u653f\u4e8c\u5e74\u671f\u5b9a\u671f\u5132\u91d1\u6a5f\u52d5\u5229\u7387\uff0b0.485%\u8a08\u606f \u21a9\ufe0e<\/a><\/li>
        3. \u53f0\u4f01\u9280\u516c\u6559\u4fe1\u8cb8\u524d3\u500b\u6708\u6700\u4f4e\u4f9d\u672c\u884c\u5b9a\u5132\u5229\u7387\u6307\u6578\uff08\u6708\uff09\u52a00.56%\u6a5f\u52d5\u8a08\u606f\uff0c\u7b2c4\u500b\u6708\u8d77\u6700\u4f4e\u4f9d\u672c\u884c\u5b9a\u5132\u5229\u7387\u6307\u6578\uff08\u6708\uff09\u52a01.76%\u6a5f\u52d5\u8a08\u606f\u3002\u53f0\u4f01\u9280\u5b9a\u5132\u5229\u7387\u6307\u6578 (\u6708)<\/a> \u21a9\ufe0e<\/a><\/li><\/ol>","protected":false},"excerpt":{"rendered":"

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