{"id":1708,"date":"2026-10-20T16:05:35","date_gmt":"2026-10-20T08:05:35","guid":{"rendered":"https:\/\/www.happytogether35.com.tw\/?p=1708"},"modified":"2026-10-20T16:12:36","modified_gmt":"2026-10-20T08:12:36","slug":"overseas-property-loan","status":"publish","type":"post","link":"https:\/\/www.happytogether35.com.tw\/overseas-property-loan\/","title":{"rendered":"\u570b\u5916\u8cb8\u6b3e\u8cb7\u623f\u53ef\u884c\u55ce\uff1f\u6d77\u5916\u7f6e\u7522\u8cb8\u6b3e\u7684\u7ba1\u9053\u3001\u5229\u7387\u8207\u6ce8\u610f\u4e8b\u9805\uff082026\uff09"},"content":{"rendered":"\n<p>\u5c0d\u65bc\u7b2c\u4e00\u6b21<a href=\"https:\/\/www.happytogether35.com.tw\/%e6%b5%b7%e5%a4%96%e6%88%bf%e7%94%a2\/\">\u6d77\u5916\u7f6e\u7522<\/a>\u7684\u4eba\u4f86\u8aaa\uff0c\u771f\u6b63\u7684\u554f\u984c\u5f80\u5f80\u662f\uff1a\u53f0\u7063\u4eba\u53ef\u4ee5\u7533\u8acb\u570b\u5916\u8cb8\u6b3e\u8cb7\u623f\u55ce\uff1f\u5916\u570b\u4eba\u80fd\u8cb8\u5e7e\u6210\uff1f\u5229\u7387\u591a\u5c11\uff1f\u6c92\u6709\u7576\u5730\u5de5\u4f5c\u6216\u5c45\u7559\u8eab\u5206\u4e5f\u80fd\u8cb8\u55ce\uff1f \u4e8b\u5be6\u4e0a\uff0c\u4e0d\u540c\u570b\u5bb6\u3001\u9280\u884c\u8207\u8eab\u5206\u689d\u4ef6\uff0c\u8cb8\u6b3e\u65b9\u5f0f\u53ef\u80fd\u5dee\u7570\u5f88\u5927\uff0c\u751a\u81f3\u9084\u6709\u9280\u884c\u623f\u8cb8\u4ee5\u5916\u7684\u8cc7\u91d1\u9078\u64c7\u3002<\/p>\n\n\n\n<p>\u672c\u6587\u5c07\u5f9e\u53f0\u7063\u8cb7\u5bb6\u7684\u89d2\u5ea6\uff0c\u4e00\u6b21\u6574\u7406\u6d77\u5916\u7f6e\u7522\u8cb8\u6b3e\u65b9\u5f0f\u3001\u5229\u7387\u3001\u6210\u6578\u8207\u7533\u8acb\u689d\u4ef6\uff0c\u4e26\u4ee5\u675c\u62dc\u70ba\u4f8b\uff0c\u5e36\u4f60\u4e86\u89e3\u6d77\u5916\u8cb7\u623f\u8a72\u5982\u4f55\u6e96\u5099\u8cc7\u91d1\u3002<\/p>\n\n\n\n<div style=\"height:50px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1268\" height=\"714\" src=\"https:\/\/www.happytogether35.com.tw\/wp-content\/uploads\/2026\/10\/overseas-property-loan-02-three-sources.jpg\" alt=\"\u53f0\u7063\u4eba\u6d77\u5916\u7f6e\u7522\u76843\u7a2e\u8cc7\u91d1\u4f86\u6e90\uff1a\u7576\u5730\u9280\u884c\u623f\u8cb8\u3001\u570b\u969b\u9280\u884c\u878d\u8cc7\u8207\u53f0\u7063\u623f\u5c4b\u589e\u8cb8\u3001\u958b\u767c\u5546\u5206\u671f\u4ed8\u6b3e\" class=\"wp-image-1710\" srcset=\"https:\/\/www.happytogether35.com.tw\/wp-content\/uploads\/2026\/10\/overseas-property-loan-02-three-sources.jpg 1268w, https:\/\/www.happytogether35.com.tw\/wp-content\/uploads\/2026\/10\/overseas-property-loan-02-three-sources-768x432.jpg 768w\" sizes=\"(max-width: 1268px) 100vw, 1268px\" \/><\/figure>\n\n\n\n<div style=\"height:50px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">\u53f0\u7063\u4eba\u5728\u570b\u5916\u8cb7\u623f\u53ef\u4ee5\u8cb8\u6b3e\u55ce\uff1f3\u7a2e\u8cc7\u91d1\u4f86\u6e90<\/h2>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>\u53ef\u4ee5\u3002\u4ee5\u4e0b\u70ba\u6d77\u5916\u7f6e\u7522\u5e38\u898b\u76843\u7a2e\u8cc7\u91d1\u4f86\u6e90\uff1a<\/p>\n\n\n\n<div style=\"height:50px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\">1. \u7576\u5730\u9280\u884c\u623f\u8cb8<\/h3>\n\n\n\n<p>\u6700\u76f4\u63a5\u7684\u6d77\u5916\u623f\u8cb8\u65b9\u5f0f\uff0c\u5c31\u662f\u5411\u300c\u623f\u5c4b\u6240\u5728\u5730\u570b\u5bb6\u7684\u9280\u884c\u300d\u7533\u8acb\u8cb8\u6b3e\u3002\u4f8b\u5982\uff1a\u8cfc\u8cb7<a href=\"https:\/\/www.happytogether35.com.tw\/%e6%9d%9c%e6%8b%9c%e7%bd%ae%e7%94%a2\/\">\u675c\u62dc\u623f\u5730\u7522<\/a>\uff0c\u53ef\u4ee5\u5411\u963f\u806f\u914b\u7576\u5730\u63d0\u4f9b\u4f4f\u5b85\u8cb8\u6b3e\u7684\u9280\u884c\u63d0\u51fa\u7533\u8acb\uff1b\u90e8\u5206\u9280\u884c\u751a\u81f3\u6709\u5c08\u9580\u63d0\u4f9b\u7d66\u300c\u975e\u963f\u806f\u914b\u5c45\u6c11\u300d\u7684\u623f\u8cb8\u65b9\u6848\u3002<\/p>\n\n\n\n<p>\u4ee5 HSBC UAE \u516c\u958b\u7684\u975e\u5c45\u6c11\u623f\u8cb8\u8cc7\u8a0a\u70ba\u4f8b\uff0c\u7b26\u5408\u8cc7\u683c\u7684\u6d77\u5916\u8cb7\u5bb6\u6700\u9ad8\u53ef\u501f\u5230\u623f\u7522\u50f9\u503c\u7684 <strong>60%<\/strong>\uff1bADCB \u516c\u958b\u8cc7\u8a0a\u5247\u986f\u793a\uff0c\u5176\u4e00\u822c\u65b9\u6848\u6700\u9ad8\u53ef\u63d0\u4f9b\u963f\u806f\u914b\u5c45\u6c11\u5916\u7c4d\u4eba\u58eb 80% \u878d\u8cc7\uff0c\u800c\u975e\u5c45\u6c11\u65b9\u6848\u6700\u9ad8\u53ef\u81f3 <strong>50%<\/strong>\uff0c\u5be6\u969b\u4ecd\u4f9d\u500b\u4eba\u689d\u4ef6\u3001\u7269\u4ef6\u53ca\u9280\u884c\u5be9\u6838\u6c7a\u5b9a\u3002\u56e0\u6b64\u300c\u7576\u5730\u6cd5\u898f\u6700\u9ad8\u53ef\u4ee5\u8cb8\u5e7e\u6210\u300d\u4e0d\u7b49\u65bc\u6bcf\u4e00\u540d\u5916\u570b\u8cb7\u5bb6\u90fd\u80fd\u53d6\u5f97\u76f8\u540c\u6210\u6578\u3002<\/p>\n\n\n\n<div style=\"height:50px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\">2. \u570b\u969b\u9280\u884c\u878d\u8cc7\u8207\u53f0\u7063\u623f\u5c4b\u589e\u8cb8<\/h3>\n\n\n\n<p>\u7b2c\u4e8c\u7a2e\u65b9\u5f0f\uff0c\u662f\u5229\u7528\u81ea\u5df1\u65e2\u6709\u7684\u9280\u884c\u95dc\u4fc2\u6216\u8cc7\u7522\u53d6\u5f97\u878d\u8cc7\u3002\u90e8\u5206\u8de8\u570b\u9280\u884c\u5177\u6709\u4e0d\u540c\u570b\u5bb6\u7684\u91d1\u878d\u670d\u52d9\u64da\u9ede\uff0c\u5982\u679c\u5ba2\u6236\u672c\u8eab\u5c6c\u65bc\u9ad8\u8cc7\u7522\u6216\u7279\u5b9a\u8ca1\u5bcc\u7ba1\u7406\u7b49\u7d1a\uff0c\u6709\u6a5f\u6703\u900f\u904e\u570b\u969b\u9280\u884c\u9ad4\u7cfb\u8a55\u4f30\u8de8\u5883\u8cc7\u7522\u53ca\u6536\u5165\uff0c\u518d\u5b89\u6392\u7b26\u5408\u8cc7\u683c\u7684\u623f\u8cb8\u6216\u5176\u4ed6\u878d\u8cc7\u5de5\u5177\u3002<\/p>\n\n\n\n<p>\u4f46\u9700\u8981\u6ce8\u610f\uff0c\u4e26\u4e0d\u662f\u53f0\u7063\u4efb\u4f55\u4e00\u5bb6\u9280\u884c\u90fd\u53ef\u4ee5\u76f4\u63a5\u62ff\u300c\u675c\u62dc\u3001\u65e5\u672c\u6216\u82f1\u570b\u7684\u623f\u5b50\u300d\u4f5c\u70ba\u4e00\u822c\u4f4f\u5b85\u623f\u8cb8\u7684\u62b5\u62bc\u54c1\u3002<\/p>\n\n\n\n<p>\u9280\u884c\u662f\u5426\u627f\u4f5c\u6d77\u5916\u4e0d\u52d5\u7522\u62b5\u62bc\uff0c\u6703\u6d89\u53ca\u7576\u5730\u62b5\u62bc\u6b0a\u8a2d\u5b9a\u3001\u6cd5\u898f\u3001\u4f30\u50f9\u3001\u7522\u6b0a\u57f7\u884c\u8207\u9280\u884c\u6388\u4fe1\u653f\u7b56\uff0c\u56e0\u6b64\u5be6\u52d9\u4e0a\u5fc5\u9808\u500b\u6848\u8a62\u554f\u3002<\/p>\n\n\n\n<p>\u53e6\u4e00\u7a2e\u53f0\u7063\u6295\u8cc7\u4eba\u8f03\u5bb9\u6613\u7406\u89e3\u7684\u65b9\u5f0f\uff0c\u662f\u5229\u7528\u81ea\u5df1\u5728\u53f0\u7063\u5df2\u6301\u6709\u7684\u623f\u5c4b\u9032\u884c\u589e\u8cb8\uff0c\u518d\u628a\u53d6\u5f97\u7684\u8cc7\u91d1\u7528\u65bc\u6d77\u5916\u8cc7\u7522\u914d\u7f6e\u3002\u4f8b\u5982\uff1a\u570b\u6cf0\u4e16\u83ef\u76ee\u524d\u516c\u958b\u7684\u623f\u5c4b\u589e\u8cb8\u7522\u54c1\u8cc7\u8a0a\u986f\u793a\uff0c\u8cb8\u6b3e\u7528\u9014\u53ef\u4ee5\u5305\u62ec\u623f\u5c4b\u4fee\u7e55\u3001\u6295\u8cc7\u7406\u8ca1\u6216\u5176\u4ed6\u660e\u78ba\u8cc7\u91d1\u9700\u6c42\uff0c\u516c\u958b\u65b9\u6848\u6700\u9577\u53ef\u9054 20 \u5e74\u3001\u6700\u9ad8\u6210\u6578\u53ef\u81f3\u623f\u5c4b\u50f9\u503c 8 \u6210\uff1b\u4f46\u5be6\u969b\u984d\u5ea6\u4ecd\u9808\u4f9d\u623f\u5c4b\u91cd\u65b0\u9451\u50f9\u3001\u6536\u5165\u8ca0\u50b5\u6bd4\u3001\u4fe1\u7528\u689d\u4ef6\u53ca\u9280\u884c\u6388\u4fe1\u7d50\u679c\u6c7a\u5b9a\u3002<\/p>\n\n\n\n<p>\u540c\u6642\uff0c\u53f0\u7063\u4e2d\u592e\u9280\u884c\u5c0d\u4e0d\u52d5\u7522\u8cb8\u6b3e\u53ca\u589e\u8cb8\u6709\u76f8\u95dc\u898f\u7bc4\uff0c\u9280\u884c\u5fc5\u9808\u6838\u5be6\u8cc7\u91d1\u7528\u9014\uff1b\u5982\u679c\u539f\u623f\u8cb8\u5c6c\u65bc\u592e\u884c\u7279\u5b9a\u4fe1\u7528\u7ba1\u5236\u7bc4\u570d\uff0c\u589e\u8cb8\u689d\u4ef6\u4e5f\u53ef\u80fd\u53d7\u5230\u9650\u5236\u3002<\/p>\n\n\n\n<div style=\"height:50px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\">3. \u958b\u767c\u5546\u5206\u671f\u4ed8\u6b3e\uff08\u9810\u552e\u5c4b\u5e38\u898b\uff09<\/h3>\n\n\n\n<p>\u7b2c\u4e09\u7a2e\u65b9\u5f0f\u56b4\u683c\u4f86\u8aaa\u4e0d\u4e00\u5b9a\u5c6c\u65bc\u300c\u9280\u884c\u8cb8\u6b3e\u300d\uff0c\u4f46\u5728\u6d77\u5916\u9810\u552e\u5e02\u5834\u4e2d\u975e\u5e38\u91cd\u8981\uff0c\u5c31\u662f Developer Payment Plan\uff08\u4ed8\u6b3e\u8a08\u756b\uff09\u3002\u5c24\u5176\u5728\u675c\u62dc\u9810\u552e\u5c4b\u5e02\u5834\uff0c\u958b\u767c\u5546\u5e38\u6703\u628a\u7e3d\u623f\u50f9\u62c6\u6210\u4e0d\u540c\u5de5\u7a0b\u968e\u6bb5\u4ed8\u6b3e\uff0c\u4f8b\u5982\uff1a20%\uff0b40%\uff0b40%\u300160%\uff0f40%\u300170%\uff0f30% \u7b49\u4e0d\u540c\u7d50\u69cb\u3002<\/p>\n\n\n\n<div style=\"height:50px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1268\" height=\"714\" src=\"https:\/\/www.happytogether35.com.tw\/wp-content\/uploads\/2026\/10\/overseas-property-loan-09-payment-plan.jpg\" alt=\"\u958b\u767c\u5546\u5206\u671f\u4ed8\u6b3e\u4e0d\u7b49\u65bc\u8cb8\u6b3e\u6838\u51c6\uff0c\u4ea4\u5c4b\u6642\u7684\u5c3e\u6b3e\u8981\u5728\u7c3d\u7d04\u524d\u5148\u898f\u5283\" class=\"wp-image-1717\" srcset=\"https:\/\/www.happytogether35.com.tw\/wp-content\/uploads\/2026\/10\/overseas-property-loan-09-payment-plan.jpg 1268w, https:\/\/www.happytogether35.com.tw\/wp-content\/uploads\/2026\/10\/overseas-property-loan-09-payment-plan-768x432.jpg 768w\" sizes=\"(max-width: 1268px) 100vw, 1268px\" \/><\/figure>\n\n\n\n<div style=\"height:50px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>\u5be6\u969b\u6bd4\u4f8b\u6c92\u6709\u7d71\u4e00\u6a19\u6e96\uff0c\u5fc5\u9808\u4f9d\u5efa\u6848 SPA\uff08Sales and Purchase Agreement\uff09\u53ca\u958b\u767c\u5546\u516c\u5e03\u7684 Payment Plan \u70ba\u6e96\u3002\u4f8b\u5982\uff1a\u4e00\u9593\u7e3d\u50f9 AED 2,000,000 \u7684\u9810\u552e\u5c4b\uff0c\u5982\u679c\u63a1\u53d6 60\uff0f40 \u7684\u4ed8\u6b3e\u65b9\u5f0f\uff0c\u53ef\u80fd\u4ee3\u8868\u8cb7\u5bb6\u5728\u65bd\u5de5\u81f3\u4ea4\u5c4b\u524d\u4f9d\u7d04\u652f\u4ed8\u7e3d\u50f9 60%\uff0c\u5269\u9918 40% \u65bc\u4ea4\u5c4b\u6642\u652f\u4ed8\u3002\u5c0d\u8cb7\u5bb6\u4f86\u8aaa\uff0c\u9019\u7a2e\u65b9\u5f0f\u7684\u512a\u52e2\u662f\uff1a \u4e0d\u7528\u5728\u7c3d\u7d04\u7576\u4e0b\u6e96\u5099\u5168\u90e8\u623f\u50f9\uff0c\u4e5f\u4e0d\u4e00\u5b9a\u9700\u8981\u7acb\u5373\u7533\u8acb\u9280\u884c\u623f\u8cb8\u3002\u4f46\u5fc5\u9808\u7279\u5225\u6ce8\u610f\uff1a\u5206\u671f\u4ed8\u6b3e\u4e0d\u7b49\u65bc\u8cb8\u6b3e\u6838\u51c6\u3002\u5982\u679c\u8cb7\u5bb6\u539f\u672c\u9810\u8a08\u300c\u4ea4\u5c4b\u6642\u518d\u8cb8\u6b3e\u652f\u4ed8\u5c3e\u6b3e\u300d\uff0c\u5c31\u5fc5\u9808\u8003\u616e\u6578\u5e74\u5f8c\u4ea4\u5c4b\u6642\u7684\u6536\u5165\u3001\u9280\u884c\u653f\u7b56\u3001\u4f30\u50f9\u3001\u5229\u7387\u53ca\u8cb8\u6b3e\u8cc7\u683c\u53ef\u80fd\u5df2\u7d93\u6539\u8b8a\u3002<\/p>\n\n\n\n<div style=\"height:50px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1268\" height=\"714\" src=\"https:\/\/www.happytogether35.com.tw\/wp-content\/uploads\/2026\/10\/overseas-property-loan-03-rates-ltv.jpg\" alt=\"\u6d77\u5916\u8cb8\u6b3e\u7684\u5229\u7387\u3001\u6210\u6578\u8207\u5e74\u9650\uff1a\u6cd5\u898f\u4e0a\u9650\u4e0d\u7b49\u65bc\u4f60\u80fd\u8cb8\u5230\u7684\u6210\u6578\" class=\"wp-image-1711\" srcset=\"https:\/\/www.happytogether35.com.tw\/wp-content\/uploads\/2026\/10\/overseas-property-loan-03-rates-ltv.jpg 1268w, https:\/\/www.happytogether35.com.tw\/wp-content\/uploads\/2026\/10\/overseas-property-loan-03-rates-ltv-768x432.jpg 768w\" sizes=\"(max-width: 1268px) 100vw, 1268px\" \/><\/figure>\n\n\n\n<div style=\"height:50px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">\u6d77\u5916\u8cb8\u6b3e\u7684\u5229\u7387\u3001\u6210\u6578\u8207\u5e74\u9650<\/h2>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"has-background\" style=\"background-color:#fff0f7;padding-top:16px;padding-right:20px;padding-bottom:16px;padding-left:20px\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#d61924\" class=\"has-inline-color\">\u91cd\u9ede\u6458\u8981\uff1a<\/mark><\/strong>\u963f\u806f\u914b\u6cd5\u898f\u5c0d\u5916\u7c4d\u4eba\u58eb\u8a02\u6709\u8cb8\u6b3e\u6210\u6578\u4e0a\u9650\uff0c\u6700\u9577\u53ef\u8cb825\u5e74\uff0c\u4f46\u9019\u662f\u4e0a\u9650\uff0c\u4eba\u5728\u53f0\u7063\u7684\u975e\u5c45\u6c11\uff0c\u9280\u884c\u516c\u958b\u65b9\u6848\u591a\u843d\u57285\uff5e6\u6210\u3002\u5229\u7387\u5206\u6210\u56fa\u5b9a\u3001\u6d6e\u52d5\u8207\u524d\u671f\u56fa\u5b9a\u5f8c\u671f\u6d6e\u52d5\uff0c\u7533\u8acb\u524d\u8981\u9023\u540c\u8a08\u606f\u65b9\u5f0f\u8207\u8cbb\u7528\u4e00\u8d77\u6bd4\u8f03\u3002<\/p>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>\u6d77\u5916\u623f\u8cb8\u6c92\u6709\u5168\u7403\u7d71\u4e00\u7684\u5229\u7387\u8207\u8cb8\u6b3e\u6210\u6578\u3002\u5be6\u969b\u689d\u4ef6\u4e3b\u8981\u53d7\u5230\u4ee5\u4e0b\u56e0\u7d20\u5f71\u97ff\uff1a<\/p>\n\n\n\n<p>\u570b\u5bb6\u8207\u5e02\u5834\u5236\u5ea6 \u2192 \u5c45\u6c11\uff0f\u975e\u5c45\u6c11\u8eab\u5206 \u2192 \u500b\u4eba\u6536\u5165 \u2192 \u4fe1\u7528 \u2192 \u623f\u5c4b\u50f9\u503c \u2192 \u81ea\u4f4f\u6216\u6295\u8cc7 \u2192 \u8cb8\u6b3e\u5e63\u5225 \u2192 \u5229\u7387\u74b0\u5883\u3002<\/p>\n\n\n\n<p>\u4ee5\u963f\u806f\u914b\u70ba\u4f8b\uff0cUAE Central Bank \u73fe\u884c\u623f\u8cb8\u898f\u5247\u5c0d Expatriates \u7684 LTV\uff08Loan-to-Value\uff0c\u8cb8\u6b3e\u6210\u6578\uff09\u8a2d\u5b9a\u4e0a\u9650\u3002\u4ee5\u7b2c\u4e00\u9593\u81ea\u4f4f\u623f\u4f86\u8aaa\uff1a<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><thead><tr><th class=\"has-text-align-center\" data-align=\"center\">\u8cb8\u6b3e\u985e\u578b<\/th><th class=\"has-text-align-center\" data-align=\"center\">\u6cd5\u898f\u6700\u9ad8 LTV<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\">\u5916\u7c4d\u4eba\u58eb\u7b2c\u4e00\u9593\u81ea\u4f4f\u623f\uff0c\u623f\u50f9 \u2264 AED 5,000,000<\/td><td class=\"has-text-align-center\" data-align=\"center\">80%<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">\u5916\u7c4d\u4eba\u58eb\u7b2c\u4e00\u9593\u81ea\u4f4f\u623f\uff0c\u623f\u50f9 &gt; AED 5,000,000<\/td><td class=\"has-text-align-center\" data-align=\"center\">70%<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">\u7b2c\u4e8c\u9593\u4ee5\u4e0a\u4f4f\u5b85\uff0f\u6295\u8cc7\u578b\u4e0d\u52d5\u7522<\/td><td class=\"has-text-align-center\" data-align=\"center\">60%<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">\u9810\u552e\u5c4b\u878d\u8cc7<\/td><td class=\"has-text-align-center\" data-align=\"center\">50%<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>\u6b64\u5916\uff0c\u963f\u806f\u914b\u623f\u8cb8\u6cd5\u898f\u7684\u6700\u9577\u8cb8\u6b3e\u671f\u9650\u70ba 25 \u5e74\u3002<\/p>\n\n\n\n<p>\u9019\u662f\u76e3\u7ba1\u5236\u5ea6\u5141\u8a31\u7684 LTV \u4e0a\u9650\uff0c\u800c\u4e0d\u662f\u9280\u884c\u5c0d\u6bcf\u500b\u4eba\u7684\u4fdd\u8b49\u6838\u8cb8\u6210\u6578\u3002\u4f8b\u5982\uff1a ADCB \u5c0d Non-Resident \u516c\u958b\u7684\u878d\u8cc7\u6210\u6578\u6700\u9ad8\u70ba 50%\uff1bHSBC UAE \u7684\u975e\u5c45\u6c11\u623f\u8cb8\u9801\u9762\u5247\u63ed\u9732\u6700\u9ad8\u53ef\u8cb8\u623f\u5c4b\u50f9\u503c 60%\u3002\u56e0\u6b64\uff0c\u4e00\u540d\u4f4f\u5728\u53f0\u7063\u3001\u6c92\u6709 UAE \u5c45\u7559\u8eab\u5206\u7684\u8cb7\u5bb6\uff0c\u5be6\u52d9\u4e0a\u4e0d\u80fd\u55ae\u7d14\u62ff\u300cExpatriates \u7b2c\u4e00\u9593\u623f\u6700\u9ad8 80%\u300d\u53bb\u63a8\u7b97\u81ea\u5df1\u53ea\u9700\u8981\u6e96\u5099 20% \u81ea\u5099\u6b3e\u3002\u9019\u4e5f\u662f\u6d77\u5916\u7f6e\u7522\u8cb8\u6b3e\u6700\u5bb9\u6613\u88ab\u8aa4\u89e3\u7684\u5730\u65b9\u4e4b\u4e00\u3002<\/p>\n\n\n\n<p>\u81f3\u65bc\u623f\u8cb8\u5229\u7387\uff0c\u5247\u6703\u4f9d\u9280\u884c\u8207\u8cb8\u6b3e\u65b9\u6848\u6709\u6240\u4e0d\u540c\uff0c\u5e38\u898b\u6709\u56fa\u5b9a\u5229\u7387\u3001\u6d6e\u52d5\u5229\u7387\uff0c\u4ee5\u53ca\u524d\u671f\u56fa\u5b9a\u3001\u5f8c\u671f\u6d6e\u52d5\u4e09\u7a2e\u65b9\u5f0f\u3002\u7533\u8acb\u524d\u9664\u4e86\u6bd4\u8f03\u5229\u7387\uff0c\u4e5f\u61c9\u78ba\u8a8d\u5f8c\u7e8c\u8a08\u606f\u65b9\u5f0f\u8207\u76f8\u95dc\u8cbb\u7528\u3002<\/p>\n\n\n\n<div style=\"height:50px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1268\" height=\"714\" src=\"https:\/\/www.happytogether35.com.tw\/wp-content\/uploads\/2026\/10\/overseas-property-loan-04-dubai-six-steps.jpg\" alt=\"\u675c\u62dc\u623f\u8cb8\u7533\u8acb6\u6b65\u9a5f\uff1a\u78ba\u8a8d\u9810\u7b97\u8207\u8cb8\u6b3e\u8cc7\u683c\u3001\u7533\u8acb Pre-Approval\u3001\u9078\u5b9a\u7269\u4ef6\u3001\u9280\u884c\u9451\u50f9\u3001\u53d6\u5f97 Final Approval\u3001\u62b5\u62bc\u8a2d\u5b9a\u8207\u904e\u6236\" class=\"wp-image-1712\" srcset=\"https:\/\/www.happytogether35.com.tw\/wp-content\/uploads\/2026\/10\/overseas-property-loan-04-dubai-six-steps.jpg 1268w, https:\/\/www.happytogether35.com.tw\/wp-content\/uploads\/2026\/10\/overseas-property-loan-04-dubai-six-steps-768x432.jpg 768w\" sizes=\"(max-width: 1268px) 100vw, 1268px\" \/><\/figure>\n\n\n\n<div style=\"height:50px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">\u4ee5\u675c\u62dc\u70ba\u4f8b\uff1a\u5916\u570b\u4eba\u623f\u8cb8\u689d\u4ef6\u8207\u6d41\u7a0b<\/h2>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"has-background\" style=\"background-color:#fff0f7;padding-top:16px;padding-right:20px;padding-bottom:16px;padding-left:20px\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#d61924\" class=\"has-inline-color\">\u91cd\u9ede\u6458\u8981\uff1a<\/mark><\/strong>\u4eba\u5728\u53f0\u7063\u5de5\u4f5c\u3001\u5728\u963f\u806f\u914b\u6c92\u6709\u56fa\u5b9a\u85aa\u8cc7\uff0c\u5373\u4f7f\u6301\u6709\u9ec3\u91d1\u7c3d\u8b49\uff0c\u9280\u884c\u4ecd\u6703\u7576\u6210\u975e\u5c45\u6c11\u5be9\u6838\u3002\u675c\u62dc\u623f\u8cb8\u5f9e\u9810\u5148\u6838\u8cb8\u3001\u9078\u7269\u4ef6\u3001\u9451\u50f9\u3001\u6700\u7d42\u6838\u51c6\u5230\u62b5\u62bc\u767b\u8a18\u51716\u6b65\uff0c\u9451\u50f9\u4f4e\u65bc\u6210\u4ea4\u50f9\u6642\u5dee\u984d\u8981\u81ea\u5df1\u88dc\uff0c\u4e5f\u8981\u9810\u7559\u62b5\u62bc\u767b\u8a18\u7b49\u8cbb\u7528\u3002<\/p>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>\u53f0\u7063\u4eba\u53ef\u4ee5\u5728\u675c\u62dc\u7533\u8acb\u623f\u8cb8\uff0c\u4f46\u9996\u5148\u5fc5\u9808\u5340\u5206\u81ea\u5df1\u662f\uff1aUAE Resident\uff0c\u9084\u662f Non-Resident\u3002<\/p>\n\n\n\n<p>\u5982\u679c\u4eba\u5728\u53f0\u7063\u5de5\u4f5c\uff0c\u5373\u4fbf\u6709\u963f\u806f\u914b\u8eab\u5206\u8b49\uff08\u5982<a href=\"https:\/\/www.happytogether35.com.tw\/%e6%9d%9c%e6%8b%9c%e9%bb%83%e9%87%91%e7%b0%bd%e8%ad%89\/\">\u9ec3\u91d1\u7c3d\u8b49<\/a>\u6216\u6295\u8cc7\u8005\u7c3d\u8b49\uff09\uff0c\u53ea\u6709\u6c92\u6709\u5728\u963f\u806f\u914b\u5883\u5167\u6709\u56fa\u5b9a\u85aa\u8cc7\u6536\u5165\uff0c\u5728\u963f\u806f\u914b\u9280\u884c\u773c\u4e2d\u4ecd\u5c6c\u975e\u5c45\u6c11\u7533\u8acb\u4eba\u3002\u623f\u79df\u5c6c\u4e0d\u56fa\u5b9a\u6536\u5165\uff0c\u56e0\u6b64\u623f\u6771\u6536\u7684\u79df\u91d1\uff0c\u4e5f\u4e0d\u80fd\u7576\u4f5c\u672c\u5730\u85aa\u8cc7\u3002<\/p>\n\n\n\n<p>\u76ee\u524d HSBC\u3001Mashreq\u3001ADCB \u7b49\u963f\u806f\u914b\u9280\u884c\u90fd\u6709\u516c\u958b\u975e\u5c45\u6c11\u4f4f\u5b85\u878d\u8cc7\u8cc7\u8a0a\u3002\u4ee5 Mashreq \u516c\u958b\u8cc7\u8a0a\u70ba\u4f8b\uff0c\u5176 Non-Resident Home Loan \u53ef\u4f9b\u975e\u963f\u806f\u914b\u5c45\u6c11\u8cfc\u8cb7\u675c\u62dc\u4f4f\u5b85\u4f5c\u70ba\u6295\u8cc7\u6216\u7b2c\u4e8c\u4f4f\u5b85\uff0c\u516c\u958b\u8cb8\u6b3e\u984d\u5ea6\u6700\u9ad8\u53ef\u81f3 AED 10,000,000\uff1b\u5176 FAQ \u5247\u8aaa\u660e\uff0c\u975e\u5c45\u6c11\u5be6\u969b\u6700\u9ad8\u878d\u8cc7\u53ef\u81f3\u9280\u884c\u8a8d\u5b9a\u4e4b Fair Market Value \u7684 50%\uff0c\u4e26\u4f9d\u7533\u8acb\u4eba\u7684\u8ca1\u52d9\u689d\u4ef6\u6c7a\u5b9a\u6700\u7d42\u984d\u5ea6\u3002<\/p>\n\n\n\n<p>\u675c\u62dc\u623f\u8cb8\u5927\u81f4\u53ef\u4ee5\u5206\u6210\u4ee5\u4e0b\u6d41\u7a0b\uff1a<\/p>\n\n\n\n<div style=\"height:50px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\">\u7b2c\u4e00\u6b65\uff1a\u78ba\u8a8d\u9810\u7b97\u8207\u8cb8\u6b3e\u8cc7\u683c<\/h3>\n\n\n\n<p>\u5148\u6574\u7406\u6536\u5165\u3001\u8ca0\u50b5\u3001\u73fe\u91d1\u90e8\u4f4d\u8207\u9810\u8a08\u8cfc\u8cb7\u7684\u623f\u50f9\uff0c\u521d\u6b65\u5224\u65b7\u9700\u8981\u591a\u5c11\u878d\u8cc7\u3002<\/p>\n\n\n\n<div style=\"height:50px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\">\u7b2c\u4e8c\u6b65\uff1a\u5411\u9280\u884c\u7533\u8acb Mortgage Pre-Approval<\/h3>\n\n\n\n<p>\u9280\u884c\u6703\u5be9\u6838\u8b77\u7167\u3001\u6536\u5165\u3001\u9280\u884c\u6d41\u6c34\u8207\u8ca0\u50b5\u7b49\u8cc7\u6599\uff0c\u78ba\u8a8d\u521d\u6b65\u53ef\u8cb8\u984d\u5ea6\u3002\u5982\u679c\u78ba\u5b9a\u8981\u4f7f\u7528\u8cb8\u6b3e\uff0c\u6700\u597d\u4e0d\u8981\u5148\u5047\u8a2d\u300c\u4e00\u5b9a\u8cb8\u5f97\u5230\u300d\u518d\u7c3d\u4e0b\u4e00\u500b\u8d85\u904e\u81ea\u5df1\u73fe\u91d1\u80fd\u529b\u7684\u7269\u4ef6\u3002<\/p>\n\n\n\n<div style=\"height:50px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\">\u7b2c\u4e09\u6b65\uff1a\u9078\u5b9a\u7269\u4ef6<\/h3>\n\n\n\n<p>\u4e0d\u540c\u9280\u884c\u53ef\u80fd\u5c0d\u53ef\u878d\u8cc7\u7684\u5efa\u6848\u3001\u958b\u767c\u5546\u3001\u7269\u4ef6\u72c0\u614b\u6709\u81ea\u5df1\u7684 Approved List \u6216\u98a8\u96aa\u653f\u7b56\uff0c\u56e0\u6b64\u9078\u5b9a\u623f\u5c4b\u5f8c\u4ecd\u9808\u78ba\u8a8d\u7269\u4ef6\u662f\u5426\u7b26\u5408\u9280\u884c\u878d\u8cc7\u689d\u4ef6\u3002<\/p>\n\n\n\n<div style=\"height:50px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\">\u7b2c\u56db\u6b65\uff1a\u9280\u884c\u9451\u50f9<\/h3>\n\n\n\n<p>\u9280\u884c\u6703\u59d4\u8a17\u8a8d\u53ef\u7684\u4f30\u50f9\u6a5f\u69cb\u78ba\u8a8d\u623f\u5c4b\u5e02\u5834\u50f9\u503c\u3002\u5047\u8a2d\u6210\u4ea4\u50f9 AED 2,000,000\uff0c\u4f46\u9280\u884c\u6700\u7d42\u4f30\u503c\u53ea\u6709 AED 1,800,000\uff0c\u800c\u9280\u884c\u4f9d\u4f30\u503c\u6838\u7d66 50%\uff0c\u8cb8\u6b3e\u984d\u53ef\u80fd\u53ea\u6709 AED 900,000\uff0c\u800c\u4e0d\u662f AED 1,000,000\u3002\u9019\u4ee3\u8868\u8cb7\u5bb6\u5fc5\u9808\u81ea\u884c\u88dc\u8db3\u50f9\u5dee\u3002<\/p>\n\n\n\n<div style=\"height:50px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\">\u7b2c\u4e94\u6b65\uff1a\u53d6\u5f97 Final Approval<\/h3>\n\n\n\n<p>\u5b8c\u6210\u6536\u5165\u53ca\u7269\u4ef6\u5be9\u6838\u5f8c\uff0c\u9280\u884c\u63d0\u51fa\u6700\u7d42\u8cb8\u6b3e\u689d\u4ef6\uff0c\u5305\u62ec\u91d1\u984d\u3001\u5229\u7387\u3001\u671f\u9650\u8207\u76f8\u95dc\u8cbb\u7528\u3002\u91dd\u5c0d\u5728\u963f\u806f\u914b\u9084\u6c92\u6709\u958b\u8a2d\u9280\u884c\u5e33\u865f\u7684\u7533\u8acb\u4eba\uff0c\u62ff\u5230Final Approval\u5230\u653e\u6b3e\u524d\uff0c\u5fc5\u9808\u5b89\u6392\u89aa\u98db\u4e00\u8d9f\u963f\u806f\u914b\u958b\u7acb\u9280\u884c\u5e33\u865f\u3002<\/p>\n\n\n\n<div style=\"height:50px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\">\u7b2c\u516d\u6b65\uff1a\u5b8c\u6210\u62b5\u62bc\u8a2d\u5b9a\u8207\u904e\u6236<\/h3>\n\n\n\n<p>\u675c\u62dc\u623f\u5c4b\u62b5\u62bc\u9808\u5b8c\u6210 DLD \u76f8\u95dc\u767b\u8a18\u7a0b\u5e8f\u3002Dubai Land Department \u73fe\u884c\u516c\u958b\u8cc7\u6599\u986f\u793a\uff0c\u4e00\u822c Mortgage Registration Fee \u70ba\u62b5\u62bc\u50b5\u6b0a\u91d1\u984d\u7684 0.25%\uff0c\u53e6\u5916\u53ef\u80fd\u9084\u6709\u7522\u6b0a\u6587\u4ef6\u3001\u670d\u52d9\u4e2d\u5fc3\u3001\u9280\u884c\u8655\u7406\u53ca\u4f30\u50f9\u7b49\u8cbb\u7528\u3002\u56e0\u6b64\u4f7f\u7528\u8cb8\u6b3e\u8cb7\u623f\uff0c\u4e0d\u80fd\u53ea\u6e96\u5099\u300c\u623f\u50f9\uff0d\u8cb8\u6b3e\u984d\u300d\u7684\u5dee\u984d\uff0c\u9084\u5fc5\u9808\u9810\u7559\u4ea4\u6613\u8207\u878d\u8cc7\u6210\u672c\u3002<\/p>\n\n\n\n<div style=\"height:50px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1268\" height=\"714\" src=\"https:\/\/www.happytogether35.com.tw\/wp-content\/uploads\/2026\/10\/overseas-property-loan-05-documents.jpg\" alt=\"\u570b\u5916\u8cb7\u623f\u8cb8\u6b3e\u8981\u6e96\u5099\u7684\u6587\u4ef6\uff1a\u8b77\u7167\u8207\u8eab\u5206\u6587\u4ef6\u3001\u6536\u5165\u8207\u5728\u8077\u8b49\u660e\u3001\u8fd1\u671f\u9280\u884c\u5c0d\u5e33\u55ae\u3001\u81ea\u5099\u6b3e\u8207\u8cc7\u91d1\u4f86\u6e90\u8b49\u660e\" class=\"wp-image-1713\" srcset=\"https:\/\/www.happytogether35.com.tw\/wp-content\/uploads\/2026\/10\/overseas-property-loan-05-documents.jpg 1268w, https:\/\/www.happytogether35.com.tw\/wp-content\/uploads\/2026\/10\/overseas-property-loan-05-documents-768x432.jpg 768w\" sizes=\"(max-width: 1268px) 100vw, 1268px\" \/><\/figure>\n\n\n\n<div style=\"height:50px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">\u570b\u5916\u8cb7\u623f\u8cb8\u6b3e\u8981\u6e96\u5099\u54ea\u4e9b\u6587\u4ef6\u8207\u8cc7\u91d1\u8b49\u660e\uff1f<\/h2>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"has-background\" style=\"background-color:#fff0f7;padding-top:16px;padding-right:20px;padding-bottom:16px;padding-left:20px\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#d61924\" class=\"has-inline-color\">\u91cd\u9ede\u6458\u8981\uff1a<\/mark><\/strong>\u9280\u884c\u6700\u770b\u91cd\u7684\u662f\u6536\u5165\u7a69\u4e0d\u7a69\u5b9a\u3001\u8cc7\u91d1\u4f86\u6e90\u8aaa\u4e0d\u8aaa\u5f97\u6e05\u695a\u3002\u9664\u4e86\u8b77\u7167\u3001\u6536\u5165\u8b49\u660e\u8207\u9280\u884c\u5c0d\u5e33\u55ae\uff0c\u4f01\u696d\u4e3b\u6216\u81ea\u71df\u5546\u9084\u8981\u6e96\u5099\u516c\u53f8\u8ca1\u5831\uff1b\u5927\u7b46\u8cc7\u91d1\u532f\u5165\u524d\u5148\u628a\u4f86\u6e90\u8b49\u660e\u6574\u7406\u597d\uff0c\u5be9\u6838\u6703\u6bd4\u8f03\u9806\u5229\u3002<\/p>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>\u4e0d\u540c\u570b\u5bb6\u7684\u9280\u884c\u8981\u6c42\u4e0d\u540c\uff0c\u4f46\u7533\u8acb\u6d77\u5916\u623f\u8cb8\u6642\uff0c\u9280\u884c\u901a\u5e38\u6703\u7279\u5225\u91cd\u8996\u7533\u8acb\u4eba\u7684\u6536\u5165\u662f\u5426\u7a69\u5b9a\uff0c\u4ee5\u53ca\u8cc7\u91d1\u4f86\u6e90\u662f\u5426\u6e05\u695a\u4e14\u53ef\u9a57\u8b49\u3002\u5982\u679c\u662f\u4e00\u822c\u53d7\u85aa\u65cf\uff0c\u9280\u884c\u591a\u534a\u6703\u900f\u904e\u85aa\u8cc7\u8b49\u660e\u3001\u5728\u8077\u8b49\u660e\u8207\u9280\u884c\u5c0d\u5e33\u55ae\u78ba\u8a8d\u9084\u6b3e\u80fd\u529b\uff1b\u5982\u679c\u7533\u8acb\u4eba\u662f\u516c\u53f8\u8ca0\u8cac\u4eba\u3001\u81ea\u71df\u5546\uff0c\u6216\u4e3b\u8981\u6536\u5165\u4e26\u975e\u56fa\u5b9a\u85aa\u8cc7\uff0c\u5247\u53ef\u80fd\u9032\u4e00\u6b65\u5be9\u67e5\u516c\u53f8\u71df\u904b\u3001\u8ca1\u52d9\u5831\u8868\u53ca\u9280\u884c\u6d41\u6c34\u7b49\u8cc7\u6599\u3002<\/p>\n\n\n\n<p>\u4ee5 HSBC UAE \u516c\u958b\u7684 Mortgage Application \u8cc7\u6599\u70ba\u4f8b\uff0c\u7533\u8acb\u623f\u8cb8\u6642\u53ef\u80fd\u9700\u8981\u6e96\u5099\uff1a<\/p>\n\n\n\n<ul>\n<li><strong>\u6709\u6548\u8b77\u7167<\/strong><\/li>\n\n\n\n<li><strong>Visa\uff0fEmirates ID\uff08\u9069\u7528\u8005\uff09<\/strong><\/li>\n\n\n\n<li><strong>\u8fd1\u671f\u500b\u4eba\u9280\u884c\u5c0d\u5e33\u55ae<\/strong><\/li>\n\n\n\n<li><strong>\u85aa\u8cc7\u6216\u6536\u5165\u8b49\u660e<\/strong><\/li>\n\n\n\n<li><strong>\u623f\u5c4b\u76f8\u95dc\u6587\u4ef6<\/strong><\/li>\n\n\n\n<li><strong>\u81ea\u5099\u6b3e\u8cc7\u91d1\u8b49\u660e<\/strong><\/li>\n<\/ul>\n\n\n\n<p>\u4f9d\u4e0d\u540c\u9280\u884c\u53ca\u7533\u8acb\u4eba\u7684\u689d\u4ef6\uff0c\u4e5f\u53ef\u80fd\u9032\u4e00\u6b65\u8981\u6c42\uff1a<\/p>\n\n\n\n<ul>\n<li><strong>\u5728\u8077\u8b49\u660e\u3001\u85aa\u8cc7\u55ae<\/strong><\/li>\n\n\n\n<li><strong>\u6240\u5f97\u7a05\u6216\u5831\u7a05\u8cc7\u6599<\/strong><\/li>\n\n\n\n<li><strong>\u516c\u53f8\u767b\u8a18\u8cc7\u6599\u53ca\u8ca1\u52d9\u5831\u8868\uff08\u4f01\u696d\u4e3b\uff0f\u81ea\u71df\u5546\uff09<\/strong><\/li>\n\n\n\n<li><strong>\u65e2\u6709\u623f\u8cb8\u6216\u5176\u4ed6\u8ca0\u50b5\u8cc7\u6599<\/strong><\/li>\n\n\n\n<li><strong>\u9280\u884c\u5b58\u6b3e\u53ca\u5176\u4ed6\u8cc7\u7522\u8b49\u660e<\/strong><\/li>\n\n\n\n<li><strong>\u8cfc\u5c4b SPA\uff0fBooking Form<\/strong><\/li>\n\n\n\n<li><strong>\u8cc7\u91d1\u4f86\u6e90\u8aaa\u660e\uff08Source of Funds\uff09<\/strong><\/li>\n<\/ul>\n\n\n\n<p class=\"has-vivid-red-color has-text-color has-link-color wp-elements-32e0cf1ef385c7a5c141c8587a210824\">\u6eab\u99a8\u63d0\u9192\uff1a\u6e96\u5099\u6d77\u5916\u7f6e\u7522\u6642\uff0c\u9664\u4e86\u5b58\u5230\u8db3\u5920\u7684\u81ea\u5099\u6b3e\uff0c\u66f4\u91cd\u8981\u7684\u662f\u63d0\u524d\u6574\u7406\u6536\u5165\u3001\u8cc7\u7522\u8207\u8cc7\u91d1\u4f86\u6e90\u7d00\u9304\u3002\u5c24\u5176\u7533\u8acb\u623f\u8cb8\u524d\u82e5\u7a81\u7136\u6709\u5927\u7b46\u8cc7\u91d1\u532f\u5165\uff0c\u9280\u884c\u53ef\u80fd\u9032\u4e00\u6b65\u8981\u6c42\u8aaa\u660e\u6b3e\u9805\u4f86\u6e90\u3002<\/p>\n\n\n\n<p class=\"has-vivid-red-color has-text-color has-link-color wp-elements-145a82f22b9ce1739e48c2810dc87cc1\">\u56e0\u6b64\uff0c\u4fdd\u7559\u85aa\u8cc7\u3001\u6295\u8cc7\u6536\u76ca\u3001\u623f\u7522\u51fa\u552e\u3001\u516c\u53f8\u5206\u7d05\u6216\u5176\u4ed6\u8cc7\u91d1\u4f86\u6e90\u7684\u76f8\u95dc\u8b49\u660e\uff0c\u80fd\u8b93\u5f8c\u7e8c\u8cb8\u6b3e\u5be9\u67e5\u8207\u8cc7\u91d1\u9a57\u8b49\u66f4\u52a0\u9806\u5229\u3002<\/p>\n\n\n\n<div style=\"height:50px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1268\" height=\"714\" src=\"https:\/\/www.happytogether35.com.tw\/wp-content\/uploads\/2026\/10\/overseas-property-loan-06-stress-test.jpg\" alt=\"\u8cb8\u6b3e\u524d\u5148\u505a4\u9805\u58d3\u529b\u6e2c\u8a66\uff1a\u532f\u7387\u4e0a\u53475%\uff5e10%\u3001\u5229\u7387\u589e\u52a01%\uff5e2%\u3001\u7a7a\u7f6e3\uff5e6\u500b\u6708\u3001\u4f30\u50f9\u4f4e\u65bc\u6210\u4ea4\u50f9\" class=\"wp-image-1714\" srcset=\"https:\/\/www.happytogether35.com.tw\/wp-content\/uploads\/2026\/10\/overseas-property-loan-06-stress-test.jpg 1268w, https:\/\/www.happytogether35.com.tw\/wp-content\/uploads\/2026\/10\/overseas-property-loan-06-stress-test-768x432.jpg 768w\" sizes=\"(max-width: 1268px) 100vw, 1268px\" \/><\/figure>\n\n\n\n<div style=\"height:50px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">\u532f\u7387\u8207\u8cc7\u91d1\u98a8\u96aa\uff1a\u8cb8\u6b3e\u8cb7\u6d77\u5916\u623f\u8981\u6ce8\u610f\u4ec0\u9ebc<\/h2>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"has-background\" style=\"background-color:#fff0f7;padding-top:16px;padding-right:20px;padding-bottom:16px;padding-left:20px\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#d61924\" class=\"has-inline-color\">\u91cd\u9ede\u6458\u8981\uff1a<\/mark><\/strong>\u6536\u5165\u662f\u65b0\u53f0\u5e63\u3001\u623f\u8cb8\u662f AED\uff0c\u53f0\u5e63\u8cb6\u503c\u6642\uff0c\u63db\u7b97\u5f8c\u7684\u6708\u4ed8\u91d1\u5c31\u6703\u8b8a\u591a\u3002\u8cb8\u6b3e\u524d\u5efa\u8b70\u5148\u8a66\u7b97\u532f\u7387\u3001\u5347\u606f\u3001\u7a7a\u7f6e\u8207\u4f30\u50f9\u504f\u4f4e\u56db\u7a2e\u60c5\u6cc1\uff0c\u5927\u984d\u532f\u6b3e\u4e5f\u8981\u7559\u610f\u53f0\u7063\u7684\u5916\u532f\u7533\u5831\u898f\u5b9a\u3002<\/p>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>\u6d77\u5916\u623f\u8cb8\u8207\u53f0\u7063\u623f\u8cb8\u6700\u5927\u7684\u5dee\u7570\u4e4b\u4e00\uff0c\u5c31\u662f\u532f\u7387\u98a8\u96aa\u3002\u5047\u8a2d\u4f60\u7684\u6536\u5165\u662f\u65b0\u53f0\u5e63\uff0c\u4f46\u8cfc\u8cb7\u675c\u62dc\u623f\u5c4b\u3001\u7e73\u7d0d\u623f\u8cb8\u4f7f\u7528\u7684\u662f AED\uff0c\u5c31\u5f62\u6210\uff1a<\/p>\n\n\n\n<p><strong>\u6536\u5165\u5e63\u5225\uff1dTWD<br>\u8cc7\u7522\u5e63\u5225\uff1dAED<br>\u8ca0\u50b5\u5e63\u5225\uff1dAED<\/strong><\/p>\n\n\n\n<p>AED \u8207\u7f8e\u5143\u63a1\u56fa\u5b9a\u532f\u7387\u5236\u5ea6\uff0c\u56e0\u6b64\u5c0d\u53f0\u7063\u8cb7\u5bb6\u800c\u8a00\uff0c\u5be6\u52d9\u4e0a\u53ef\u4ee5\u628a\u76f8\u7576\u4e00\u90e8\u5206\u532f\u7387\u98a8\u96aa\u7406\u89e3\u6210\u65b0\u53f0\u5e63\u514c\u7f8e\u5143\u7684\u6ce2\u52d5\u3002\u5982\u679c\u65b0\u53f0\u5e63\u76f8\u5c0d\u7f8e\u5143\u8cb6\u503c\uff0c\u5373\u4f7f AED \u8a08\u50f9\u7684\u623f\u8cb8\u6708\u4ed8\u91d1\u6c92\u6709\u6539\u8b8a\uff0c\u63db\u7b97\u6210\u65b0\u53f0\u5e63\u5f8c\uff0c\u6bcf\u6708\u5be6\u969b\u8ca0\u64d4\u4ecd\u53ef\u80fd\u589e\u52a0\u3002<\/p>\n\n\n\n<div style=\"height:50px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1268\" height=\"714\" src=\"https:\/\/www.happytogether35.com.tw\/wp-content\/uploads\/2026\/10\/overseas-property-loan-11-exchange-rate.jpg\" alt=\"\u53f0\u5e63\u514c\u7f8e\u5143\u8cb6\u503c\u6642\uff0c\u6bcf\u6708\u9084 AED 10,000 \u7684\u623f\u8cb8\u63db\u7b97\u6210\u65b0\u53f0\u5e63\u6703\u5f9e NT$85,000 \u589e\u52a0\u5230 NT$90,000\" class=\"wp-image-1718\" srcset=\"https:\/\/www.happytogether35.com.tw\/wp-content\/uploads\/2026\/10\/overseas-property-loan-11-exchange-rate.jpg 1268w, https:\/\/www.happytogether35.com.tw\/wp-content\/uploads\/2026\/10\/overseas-property-loan-11-exchange-rate-768x432.jpg 768w\" sizes=\"(max-width: 1268px) 100vw, 1268px\" \/><\/figure>\n\n\n\n<div style=\"height:50px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>\u4f8b\u5982\u539f\u672c\uff1a<\/p>\n\n\n\n<p>AED 10,000 \u00d7 NT$8.5\uff1dNT$85,000<\/p>\n\n\n\n<p>\u5982\u679c\u672a\u4f86\u532f\u7387\u8b8a\u6210\uff1a<\/p>\n\n\n\n<p>AED 10,000 \u00d7 NT$9\uff1dNT$90,000<\/p>\n\n\n\n<p>\u5728\u7576\u5730\u6708\u4ed8\u91d1\u5b8c\u5168\u6c92\u6709\u589e\u52a0\u7684\u60c5\u6cc1\u4e0b\uff0c\u53f0\u7063\u8cb7\u5bb6\u7684\u65b0\u53f0\u5e63\u652f\u51fa\u4ecd\u589e\u52a0\u7d04 NT$5,000\u3002<\/p>\n\n\n\n<p>\u56e0\u6b64\uff0c\u6d77\u5916\u7f6e\u7522\u81f3\u5c11\u8981\u9032\u884c\u4ee5\u4e0b\u5e7e\u9805\u58d3\u529b\u6e2c\u8a66\uff1a<\/p>\n\n\n\n<ul>\n<li><strong>\u532f\u7387\u4e0a\u5347 5%\uff5e10% \u662f\u5426\u4ecd\u4ed8\u5f97\u8d77\uff1f<\/strong><\/li>\n\n\n\n<li><strong>\u5229\u7387\u589e\u52a0 1%\uff5e2% \u662f\u5426\u5f71\u97ff\u73fe\u91d1\u6d41\uff1f<\/strong><\/li>\n\n\n\n<li><strong>\u7269\u4ef6\u7a7a\u7f6e 3\uff5e6 \u500b\u6708\u662f\u5426\u4ecd\u80fd\u7e73\u6b3e\uff1f<\/strong><\/li>\n\n\n\n<li><strong>\u9280\u884c\u4f30\u50f9\u4f4e\u65bc\u6210\u4ea4\u50f9\u6642\uff0c\u80fd\u5426\u88dc\u8db3\u81ea\u5099\u6b3e\uff1f<\/strong><\/li>\n<\/ul>\n\n\n\n<p>\u963f\u806f\u914b\u592e\u884c\u5c0d\u9280\u884c\u7684\u623f\u8cb8\u98a8\u96aa\u7ba1\u7406\u751a\u81f3\u8981\u6c42\uff0c\u5728\u8a55\u4f30 DBR\uff08Debt Burden Ratio\uff09\u6642\uff0c\u91d1\u878d\u6a5f\u69cb\u9808\u5c0d\u623f\u8cb8\u9032\u884c\u9ad8\u65bc\u7576\u524d\u5229\u7387 2\uff5e4 \u500b\u767e\u5206\u9ede\u7684\u58d3\u529b\u6e2c\u8a66\u3002\u53e6\u5916\uff0c\u53f0\u7063\u8cb7\u5bb6\u628a\u8cc7\u91d1\u532f\u5f80\u6d77\u5916\u6642\uff0c\u4e5f\u8981\u7559\u610f\u5916\u532f\u7533\u5831\u898f\u5b9a\u3002<\/p>\n\n\n\n<p>\u4f9d\u53f0\u7063\u4e2d\u592e\u9280\u884c\u76ee\u524d\u898f\u5b9a\uff0c\u6d89\u53ca\u65b0\u53f0\u5e63\u514c\u63db\u4e4b\u5916\u532f\u4ea4\u6613\uff0c\u6bcf\u7b46\u9054\u7b49\u503c\u65b0\u53f0\u5e63 50 \u842c\u5143\u4ee5\u4e0a\uff0c\u61c9\u4f9d\u76f8\u95dc\u898f\u5b9a\u8fa6\u7406\u7533\u5831\uff1b\u76ee\u524d\u500b\u4eba\u6bcf\u5e74\u7d2f\u7a4d\u7d50\u532f\u91d1\u984d\u5728 1,000 \u842c\u7f8e\u5143\u4ee5\u5167\uff0c\u53ef\u4f9d\u898f\u5b9a\u76f4\u63a5\u900f\u904e\u6307\u5b9a\u9280\u884c\u8fa6\u7406\uff0c\u8d85\u904e\u984d\u5ea6\u4ecd\u53ef\u6aa2\u9644\u6587\u4ef6\u7533\u8acb\u6838\u51c6\u3002\u56e0\u6b64\uff0c\u5927\u984d\u6d77\u5916\u8cfc\u5c4b\u532f\u6b3e\u61c9\u4fdd\u7559 SPA\u3001\u4ed8\u6b3e\u901a\u77e5\u3001\u532f\u6b3e\u7d00\u9304\u7b49\u8cc7\u6599\uff0c\u4e26\u5411\u627f\u4f5c\u9280\u884c\u78ba\u8a8d\u7533\u5831\u6027\u8cea\u8207\u6240\u9700\u6587\u4ef6\u3002<\/p>\n\n\n\n<p class=\"has-vivid-cyan-blue-color has-text-color has-link-color wp-elements-5ad0d2773c72aa7bc6686ee4a7ab9074\"><strong>\u60f3\u4e86\u89e3\u532f\u6b3e\u524d\u600e\u9ebc\u6838\u5c0d\u6536\u6b3e\u5e33\u6236\uff0c\u8acb\u9ede\u64ca\uff1a\u3008<a href=\"https:\/\/www.happytogether35.com.tw\/dubai-property-scam-prevention\/\">\u675c\u62dc\u8cb7\u623f\u8a50\u9a19\u600e\u9ebc\u9632\uff1f6\u5927\u5e38\u898b\u9a19\u5c40\u8207\u907f\u96f7\u6307\u5357\uff082026\uff09<\/a>\u3009<\/strong><\/p>\n\n\n\n<div style=\"height:50px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1268\" height=\"714\" src=\"https:\/\/www.happytogether35.com.tw\/wp-content\/uploads\/2026\/10\/overseas-property-loan-07-loan-or-cash.jpg\" alt=\"\u8cb8\u6b3e\u8cb7\u6d77\u5916\u623f\u9084\u662f\u5168\u984d\u4ed8\u73fe\uff1f\u95dc\u9375\u770b\u6de8\u5831\u916c\uff1a\u6de8\u79df\u91d1\u6536\u76ca\uff0d\u878d\u8cc7\u6210\u672c\uff0d\u6301\u6709\u6210\u672c\" class=\"wp-image-1715\" srcset=\"https:\/\/www.happytogether35.com.tw\/wp-content\/uploads\/2026\/10\/overseas-property-loan-07-loan-or-cash.jpg 1268w, https:\/\/www.happytogether35.com.tw\/wp-content\/uploads\/2026\/10\/overseas-property-loan-07-loan-or-cash-768x432.jpg 768w\" sizes=\"(max-width: 1268px) 100vw, 1268px\" \/><\/figure>\n\n\n\n<div style=\"height:50px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">\u8cb8\u6b3e\u8cb7\u6d77\u5916\u623f\u9084\u662f\u5168\u984d\u4ed8\u73fe\uff1f\u4f9d\u8cc7\u91d1\u898f\u5283\u8a55\u4f30<\/h2>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"has-background\" style=\"background-color:#fff0f7;padding-top:16px;padding-right:20px;padding-bottom:16px;padding-left:20px\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#d61924\" class=\"has-inline-color\">\u91cd\u9ede\u6458\u8981\uff1a<\/mark><\/strong>\u8cb8\u6b3e\u80fd\u4fdd\u7559\u8cc7\u91d1\u5f48\u6027\uff0c\u5168\u984d\u4ed8\u73fe\u80fd\u907f\u958b\u5347\u606f\u8207\u878d\u8cc7\u7684\u98a8\u96aa\u3002\u5224\u65b7\u6642\u770b\u7684\u662f\u6263\u6389\u878d\u8cc7\u8207\u6301\u6709\u6210\u672c\u5f8c\u7684\u6de8\u6536\u76ca\uff0c\u9078\u4e00\u500b\u9047\u5230\u5347\u606f\u3001\u532f\u7387\u6ce2\u52d5\u6216\u77ed\u671f\u7a7a\u7f6e\u4e5f\u9084\u4ed8\u5f97\u8d77\u7684\u65b9\u5f0f\u3002<\/p>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>\u6d77\u5916\u8cb7\u623f\u9078\u64c7\u8cb8\u6b3e\u9084\u662f\u5168\u984d\u73fe\u91d1\uff0c\u6c92\u6709\u7d55\u5c0d\u7b54\u6848\uff0c\u4e3b\u8981\u53d6\u6c7a\u65bc\u8cc7\u91d1\u904b\u7528\u3001\u6301\u6709\u6210\u672c\u8207\u98a8\u96aa\u627f\u53d7\u80fd\u529b\u3002<\/p>\n\n\n\n<div style=\"height:50px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\">\u8cb8\u6b3e\u8cb7\u623f\uff1a\u4fdd\u7559\u8cc7\u91d1\u5f48\u6027<\/h3>\n\n\n\n<p>\u8cb8\u6b3e\u6700\u5927\u7684\u512a\u52e2\uff0c\u662f\u4e0d\u9700\u8981\u4e00\u6b21\u6295\u5165\u5168\u90e8\u8cc7\u91d1\uff0c\u53ef\u4ee5\u4fdd\u7559\u73fe\u91d1\u4f5c\u70ba\u5176\u4ed6\u6295\u8cc7\u3001\u7dca\u6025\u9810\u5099\u91d1\u6216\u4e0b\u4e00\u7b46\u8cc7\u7522\u914d\u7f6e\u3002\u5982\u679c\u623f\u5c4b\u7684\u79df\u91d1\u6536\u76ca\u80fd\u652f\u61c9\u90e8\u5206\u8cb8\u6b3e\u6210\u672c\uff0c\u4e5f\u6709\u6a5f\u6703\u63d0\u9ad8\u81ea\u6709\u8cc7\u91d1\u7684\u4f7f\u7528\u6548\u7387\u3002\u4f46\u4f7f\u7528\u69d3\u687f\u4e5f\u4ee3\u8868\u5fc5\u9808\u627f\u64d4\u5229\u7387\u4e0a\u5347\u3001\u532f\u7387\u6ce2\u52d5\u3001\u79df\u91d1\u4e0b\u964d\u8207\u7a7a\u7f6e\u671f\u7b49\u98a8\u96aa\uff0c\u56e0\u6b64\u8cb8\u5f97\u8d8a\u591a\uff0c\u4e0d\u4e00\u5b9a\u4ee3\u8868\u6295\u8cc7\u6548\u76ca\u8d8a\u9ad8\u3002<\/p>\n\n\n\n<div style=\"height:50px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\">\u5168\u984d\u73fe\u91d1\uff1a\u964d\u4f4e\u878d\u8cc7\u8207\u9084\u6b3e\u98a8\u96aa<\/h3>\n\n\n\n<p>\u5168\u984d\u73fe\u91d1\u7684\u512a\u52e2\u662f\u8cc7\u91d1\u7d50\u69cb\u76f8\u5c0d\u55ae\u7d14\uff0c\u6c92\u6709\u6bcf\u6708\u623f\u8cb8\u652f\u51fa\uff0c\u4e5f\u80fd\u964d\u4f4e\u5347\u606f\u3001\u8cb8\u6b3e\u5be9\u6838\u8207\u4ea4\u5c4b\u6642\u878d\u8cc7\u5931\u6557\u7684\u98a8\u96aa\u3002\u4e0d\u904e\uff0c\u4e00\u6b21\u6295\u5165\u5927\u91cf\u8cc7\u91d1\u4e5f\u4ee3\u8868\u8cc7\u91d1\u96c6\u4e2d\u5728\u55ae\u4e00\u4e0d\u52d5\u7522\uff0c\u6d41\u52d5\u6027\u76f8\u5c0d\u8f03\u4f4e\uff0c\u624b\u4e0a\u53ef\u9748\u6d3b\u904b\u7528\u7684\u73fe\u91d1\u76f8\u5c0d\u6e1b\u5c11\u3002<\/p>\n\n\n\n<div style=\"height:50px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\">\u95dc\u9375\u4e0d\u662f\u8cb8\u4e0d\u8cb8\uff0c\u800c\u662f\u300c\u6de8\u5831\u916c\u300d<\/h3>\n\n\n\n<p>\u8a55\u4f30\u6d77\u5916\u623f\u7522\u6642\uff0c\u4e0d\u61c9\u53ea\u6bd4\u8f03\u300c\u79df\u91d1\u5831\u916c\u7387\u300d\u8207\u300c\u623f\u8cb8\u5229\u7387\u300d\u3002\u4f8b\u5982\uff1a\u623f\u7522\u79df\u91d1\u5831\u916c\u7387\u70ba 7%\u3001\u8cb8\u6b3e\u5229\u7387\u70ba 5%\uff0c\u4e26\u4e0d\u4ee3\u8868\u5be6\u969b\u5c31\u80fd\u53d6\u5f97 2% \u7684\u5229\u5dee\uff0c\u9084\u9700\u8981\u8a08\u5165\u878d\u8cc7\u8cbb\u7528\u3001\u7269\u696d\u7ba1\u7406\u3001\u7a7a\u7f6e\u3001\u7dad\u4fee\u53ca\u532f\u7387\u6ce2\u52d5\u7b49\u6210\u672c\u3002\u56e0\u6b64\uff0c\u771f\u6b63\u61c9\u8a72\u8a55\u4f30\u7684\u662f\uff1a<\/p>\n\n\n\n<p><strong>\u623f\u5c4b\u6de8\u79df\u91d1\u6536\u76ca\uff0d\u878d\u8cc7\u6210\u672c\uff0d\u6301\u6709\u6210\u672c<\/strong><\/p>\n\n\n\n<p>\u7c21\u55ae\u4f86\u8aaa\uff0c\u8cb8\u6b3e\u9069\u5408\u5e0c\u671b\u4fdd\u7559\u8cc7\u91d1\u5f48\u6027\u3001\u63d0\u9ad8\u8cc7\u91d1\u4f7f\u7528\u6548\u7387\u7684\u4eba\uff1b\u5168\u984d\u73fe\u91d1\u5247\u8f03\u9069\u5408\u5e0c\u671b\u964d\u4f4e\u8ca0\u50b5\u8207\u5229\u7387\u98a8\u96aa\u7684\u4eba\u3002\u6d77\u5916\u7f6e\u7522\u7684\u91cd\u9ede\u4e0d\u662f\u300c\u8cb8\u8d8a\u591a\u8d8a\u597d\u300d\uff0c\u800c\u662f\u9078\u64c7\u4e00\u500b\u5373\u4f7f\u9047\u5230\u5347\u606f\u3001\u532f\u7387\u6ce2\u52d5\u6216\u77ed\u671f\u7a7a\u7f6e\uff0c\u73fe\u91d1\u6d41\u4ecd\u80fd\u8ca0\u64d4\u7684\u8cc7\u91d1\u914d\u7f6e\u65b9\u5f0f\u3002<\/p>\n\n\n\n<div style=\"height:50px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1268\" height=\"714\" src=\"https:\/\/www.happytogether35.com.tw\/wp-content\/uploads\/2026\/10\/overseas-property-loan-08-capital-planning.jpg\" alt=\"\u6d77\u5916\u7f6e\u7522\u7684\u8cc7\u91d1\u898f\u5283\uff1a35\u5927\u56cd\u805a\u63d0\u4f9b\u9280\u884c\u958b\u6236\u3001\u6d77\u5916\u8cb8\u6b3e\u8207\u85aa\u8f49\u898f\u5283\u3001\u4ee3\u79df\u4ee3\u7ba1\" class=\"wp-image-1716\" srcset=\"https:\/\/www.happytogether35.com.tw\/wp-content\/uploads\/2026\/10\/overseas-property-loan-08-capital-planning.jpg 1268w, https:\/\/www.happytogether35.com.tw\/wp-content\/uploads\/2026\/10\/overseas-property-loan-08-capital-planning-768x432.jpg 768w\" sizes=\"(max-width: 1268px) 100vw, 1268px\" \/><\/figure>\n\n\n\n<div style=\"height:50px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">\u6d77\u5916\u7f6e\u7522\u7684\u8cc7\u91d1\u898f\u5283\uff0c\u53ef\u4ee5\u627e35\u5927\u56cd\u805a\u4e00\u8d77\u8a55\u4f30<\/h2>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"has-background\" style=\"background-color:#fff0f7;padding-top:16px;padding-right:20px;padding-bottom:16px;padding-left:20px\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#d61924\" class=\"has-inline-color\">\u91cd\u9ede\u6458\u8981\uff1a<\/mark><\/strong>35\u5927\u56cd\u805a\u7684\u670d\u52d9\u5305\u542b\u9280\u884c\u958b\u6236\u3001\u6d77\u5916\u8cb8\u6b3e\u8207\u85aa\u8f49\u898f\u5283\uff0c\u4eba\u5728\u53f0\u7063\u5c31\u80fd\u5148\u628a\u8cc7\u91d1\u4f86\u6e90\u8207\u9084\u6b3e\u65b9\u5f0f\u60f3\u6e05\u695a\uff0c\u518d\u6c7a\u5b9a\u8cb8\u6b3e\u9084\u662f\u4ed8\u73fe\u3002<\/p>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>\u8cb8\u6b3e\u6210\u6578\u3001\u532f\u6b3e\u7533\u5831\u8207\u4ea4\u5c4b\u6642\u7684\u5c3e\u6b3e\u5b89\u6392\uff0c\u6bcf\u500b\u74b0\u7bc0\u90fd\u6703\u5f71\u97ff\u5be6\u969b\u8981\u6e96\u5099\u591a\u5c11\u8cc7\u91d1\u300235\u5927\u56cd\u805a\u63d0\u4f9b\u5f9e<a href=\"https:\/\/www.happytogether35.com.tw\/%e6%b5%b7%e5%a4%96%e7%9c%8b%e6%88%bf%e6%8a%80%e5%b7%a7\/\">\u6d77\u5916\u770b\u623f<\/a>\u3001\u7c3d\u7d04\u5230\u4ea4\u5c4b\u5f8c\u4ee3\u79df\u4ee3\u7ba1\u7684\u670d\u52d9\uff0c\u5176\u4e2d\u4e5f\u5305\u62ec\u9280\u884c\u958b\u6236\u3001\u6d77\u5916\u8cb8\u6b3e\u8207\u85aa\u8f49\u898f\u5283\uff0c\u4eba\u5728\u53f0\u7063\u6642\u5c31\u80fd\u5148\u628a\u8cc7\u91d1\u4f86\u6e90\u8207\u9084\u6b3e\u65b9\u5f0f\u6574\u7406\u6e05\u695a\u3002<\/p>\n\n\n\n<p>\u5982\u679c\u4f60\u6b63\u5728\u8a55\u4f30\u675c\u62dc\u6216\u5176\u4ed6\u6d77\u5916\u7269\u4ef6\uff0c\u53ef\u4ee5\u53c3\u52a035\u5927\u56cd\u805a\u6bcf\u6708\u8209\u8fa6\u7684\u5be6\u9ad4\u8aaa\u660e\u6703\uff0c\u5e36\u8457\u81ea\u5df1\u7684\u9810\u7b97\u8207\u6536\u5165\u72c0\u6cc1\u4e00\u8d77\u8a0e\u8ad6\uff0c\u518d\u6c7a\u5b9a\u8cb8\u6b3e\u9084\u662f\u5168\u984d\u4ed8\u73fe\u6bd4\u8f03\u9069\u5408\u3002<\/p>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">\u570b\u5916\u8cb8\u6b3e\u5e38\u898b\u554f\u984c<\/h2>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"has-background\" style=\"background-color:#fff0f7;padding-top:16px;padding-right:20px;padding-bottom:16px;padding-left:20px\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#d61924\" class=\"has-inline-color\">\u91cd\u9ede\u6458\u8981\uff1a<\/mark><\/strong>\u5404\u984c\u7684\u5171\u901a\u91cd\u9ede\uff1a\u80fd\u4e0d\u80fd\u8cb8\u3001\u8cb8\u5e7e\u6210\uff0c\u90fd\u8981\u770b\u570b\u5bb6\u3001\u8eab\u5206\u8207\u9280\u884c\u5be9\u6838\uff0c\u6cd5\u898f\u4e0a\u9650\u4e0d\u7b49\u65bc\u6838\u8cb8\u6210\u6578\uff1b\u7533\u8acb\u524d\u5148\u505a\u597d\u532f\u7387\u8207\u5347\u606f\u7684\u58d3\u529b\u6e2c\u8a66\u3002<\/p>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1761000000000\"><strong class=\"schema-faq-question\">Q1. \u53f0\u7063\u4eba\u53ef\u4ee5\u7533\u8acb\u570b\u5916\u8cb8\u6b3e\u8cb7\u623f\u55ce\uff1f<\/strong> <p class=\"schema-faq-answer\">\u53ef\u4ee5\uff0c\u4f46\u9808\u8996\u8cfc\u5c4b\u570b\u5bb6\u3001\u9280\u884c\u653f\u7b56\u3001\u5c45\u7559\u8eab\u5206\u3001\u6536\u5165\u3001\u4fe1\u7528\u8207\u623f\u5c4b\u689d\u4ef6\u800c\u5b9a\u3002<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1761000000001\"><strong class=\"schema-faq-question\">Q2. \u6d77\u5916\u7f6e\u7522\u8cb8\u6b3e\u7684\u5229\u7387\u5927\u6982\u591a\u5c11\uff1f<\/strong> <p class=\"schema-faq-answer\">\u6c92\u6709\u7d71\u4e00\u5229\u7387\u3002\u6d77\u5916\u623f\u8cb8\u5229\u7387\u6703\u53d7\u5230\u570b\u5bb6\u57fa\u6e96\u5229\u7387\u3001\u8cb8\u6b3e\u5e63\u5225\u3001LTV\u3001\u5c45\u7559\u8eab\u5206\u3001\u4fe1\u7528\u3001\u6536\u5165\u53ca\u9280\u884c\u7522\u54c1\u5f71\u97ff\u3002<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1761000000002\"><strong class=\"schema-faq-question\">Q3. \u5916\u570b\u4eba\u5728\u675c\u62dc\u8cb7\u623f\u53ef\u4ee5\u8cb8\u5e7e\u6210\uff1f<\/strong> <p class=\"schema-faq-answer\">\u4f9d UAE Central Bank \u623f\u8cb8\u898f\u7bc4\uff0c\u5728\u963f\u806f\u914b\u6709\u5de5\u4f5c\u6536\u5165\u7684\u7533\u8acb\u4eba\u8cfc\u8cb7\u7b2c\u4e00\u9593\u81ea\u4f4f\u623f\uff0c\u623f\u50f9\u4e0d\u8d85\u904e AED 5 million \u6642\uff0c\u6cd5\u898f LTV \u4e0a\u9650\u70ba 80%\uff1b\u8d85\u904e AED 5 million \u5247\u70ba 70%\uff1b\u7b2c\u4e8c\u9593\u4ee5\u4e0a\u6216\u6295\u8cc7\u578b\u4f4f\u5b85\u6700\u9ad8 60%\uff1b\u9810\u552e\u5c4b\u878d\u8cc7\u6700\u9ad8 50%\u3002&lt;br\/>\u5982\u679c\u8cb7\u5bb6\u5c6c\u65bc UAE Non-Resident\uff0c\u90e8\u5206\u9280\u884c\u5be6\u969b\u516c\u958b\u7522\u54c1\u7d04\u843d\u5728\u6700\u9ad8 50%\uff5e60% \u5de6\u53f3\uff0c\u4f8b\u5982\uff1aADCB \u975e\u5c45\u6c11\u65b9\u6848\u516c\u958b\u6700\u9ad8 50%\uff0cHSBC UAE \u975e\u5c45\u6c11\u623f\u8cb8\u516c\u958b\u6700\u9ad8 60%\u3002\u6700\u7d42\u4ecd\u4f9d\u9280\u884c\u5be9\u6838\u70ba\u6e96\u3002<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1761000000003\"><strong class=\"schema-faq-question\">Q4. \u7533\u8acb\u6d77\u5916\u623f\u8cb8\u9700\u8981\u6e96\u5099\u54ea\u4e9b\u6587\u4ef6\uff1f<\/strong> <p class=\"schema-faq-answer\">\u5e38\u898b\u6587\u4ef6\u5305\u62ec\u8b77\u7167\u3001\u5c45\u7559\u8b49\u4ef6\uff08\u5982\u9069\u7528\uff09\u3001\u85aa\u8cc7\u6216\u6536\u5165\u8b49\u660e\u3001\u5728\u8077\u8b49\u660e\u3001\u9280\u884c\u5c0d\u5e33\u55ae\u3001\u5b58\u6b3e\u8207\u8cc7\u7522\u8b49\u660e\u3001\u81ea\u5099\u6b3e\u4f86\u6e90\uff0c\u4ee5\u53ca\u8cfc\u5c4b\u76f8\u95dc\u6587\u4ef6\u3002\u4f01\u696d\u4e3b\u6216\u81ea\u71df\u696d\u8005\u9084\u53ef\u80fd\u9700\u8981\u63d0\u4f9b\u516c\u53f8\u767b\u8a18\u3001\u8ca1\u52d9\u5831\u8868\u53ca\u516c\u53f8\u9280\u884c\u6d41\u6c34\u3002\u6d77\u5916\u9280\u884c\u7279\u5225\u91cd\u8996 KYC\u3001AML \u8207 Source of Funds\uff0c\u56e0\u6b64\u5efa\u8b70\u8cfc\u5c4b\u524d\u5c31\u6574\u7406\u597d\u8cc7\u91d1\u4f86\u6e90\u7d00\u9304\u3002<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1761000000004\"><strong class=\"schema-faq-question\">Q5. \u6d77\u5916\u7f6e\u7522\u8cb8\u6b3e\u6709\u4ec0\u9ebc\u98a8\u96aa\uff08\u532f\u7387\u3001\u5347\u606f\uff09\uff1f<\/strong> <p class=\"schema-faq-answer\">\u4e3b\u8981\u98a8\u96aa\u5305\u62ec\u5229\u7387\u98a8\u96aa\u3001\u532f\u7387\u98a8\u96aa\u3001\u4f30\u50f9\u98a8\u96aa\u3001\u7a7a\u7f6e\u98a8\u96aa\u8207\u6d41\u52d5\u6027\u98a8\u96aa\u3002&lt;br\/>\u4f8b\u5982\uff1a\u6536\u5165\u662f\u65b0\u53f0\u5e63\u3001\u8cb8\u6b3e\u662f AED\uff0c\u5373\u4f7f AED \u6708\u4ed8\u91d1\u4e0d\u8b8a\uff0c\u65b0\u53f0\u5e63\u8cb6\u503c\u4ecd\u53ef\u80fd\u589e\u52a0\u5be6\u969b\u9084\u6b3e\u6210\u672c\uff1b\u5982\u679c\u4f7f\u7528 EIBOR \u9023\u52d5\u7684\u6d6e\u52d5\u623f\u8cb8\uff0c\u5e02\u5834\u5229\u7387\u4e0a\u5347\u4e5f\u6703\u589e\u52a0\u6708\u4ed8\u91d1\u3002&lt;br\/>\u56e0\u6b64\u7533\u8acb\u8cb8\u6b3e\u524d\uff0c\u5efa\u8b70\u540c\u6642\u6a21\u64ec\u300c\u5229\u7387\uff0b2%\u300d\u3001\u300c\u532f\u7387\u4e0d\u5229 10%\u300d\u4ee5\u53ca\u300c\u6578\u500b\u6708\u6c92\u6709\u79df\u91d1\u6536\u5165\u300d\u7684\u60c5\u5883\u3002<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1761000000005\"><strong class=\"schema-faq-question\">Q6. \u7528\u53f0\u7063\u7684\u623f\u5b50\u589e\u8cb8\u53bb\u8cb7\u6d77\u5916\u623f\u53ef\u884c\u55ce\uff1f<\/strong> <p class=\"schema-faq-answer\">\u6709\u53ef\u80fd\uff0c\u4f46\u662f\u5426\u6838\u8cb8\u4ecd\u7531\u9280\u884c\u4f9d\u623f\u5c4b\u9451\u50f9\u3001\u539f\u8cb8\u9918\u984d\u3001\u6536\u5165\u8ca0\u50b5\u6bd4\u3001\u4fe1\u7528\u3001\u8cc7\u91d1\u7528\u9014\u53ca\u592e\u884c\u76f8\u95dc\u898f\u5b9a\u5be9\u6838\u3002\u76ee\u524d\u53f0\u7063\u90e8\u5206\u9280\u884c\u78ba\u5be6\u63d0\u4f9b\u623f\u5c4b\u589e\u8cb8\u7522\u54c1\uff0c\u8cc7\u91d1\u7528\u9014\u53ef\u6db5\u84cb\u6295\u8cc7\u7406\u8ca1\u6216\u5176\u4ed6\u660e\u78ba\u8cc7\u91d1\u9700\u6c42\uff0c\u4f46\u4e0d\u80fd\u56e0\u6b64\u63a8\u8ad6\u6bcf\u500b\u4eba\u90fd\u80fd\u53d6\u5f97\u76f8\u540c\u6210\u6578\u6216\u81ea\u7531\u904b\u7528\u3002<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1761000000006\"><strong class=\"schema-faq-question\">Q7. \u8cb8\u6b3e\u8cb7\u6d77\u5916\u623f\u548c\u5168\u984d\u73fe\u91d1\uff0c\u54ea\u500b\u5212\u7b97\uff1f<\/strong> <p class=\"schema-faq-answer\">\u6c92\u6709\u7d55\u5c0d\u7b54\u6848\u3002\u8cb8\u6b3e\u53ef\u4ee5\u4fdd\u7559\u66f4\u591a\u8cc7\u91d1\u5f48\u6027\uff0c\u4f46\u9700\u627f\u64d4\u5229\u7387\u8207\u532f\u7387\u98a8\u96aa\uff1b\u5168\u984d\u73fe\u91d1\u5247\u80fd\u964d\u4f4e\u878d\u8cc7\u6210\u672c\u8207\u9084\u6b3e\u58d3\u529b\u3002\u5efa\u8b70\u4f9d\u81ea\u8eab\u8cc7\u91d1\u72c0\u6cc1\u3001\u79df\u91d1\u6536\u76ca\u8207\u6301\u6709\u6210\u672c\u7d9c\u5408\u8a55\u4f30\uff0c\u9078\u64c7\u9069\u5408\u81ea\u5df1\u7684\u4ed8\u6b3e\u65b9\u5f0f\u3002<\/p> <\/div> <\/div>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">\u5ef6\u4f38\u95b1\u8b80<\/h2>\n\n\n\n<ul>\n<li><a 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