{"id":5042,"date":"2024-10-19T19:00:35","date_gmt":"2024-10-19T11:00:35","guid":{"rendered":"http:\/\/lammllees.shop\/%e8%bb%8a%e8%b2%b8200%e8%90%ac%e4%b8%80%e5%80%8b%e6%9c%88%e8%a6%81%e7%b9%b3%e5%a4%9a%e5%b0%91%ef%bc%9f\/"},"modified":"2024-10-19T19:00:35","modified_gmt":"2024-10-19T11:00:35","slug":"%e8%bb%8a%e8%b2%b8200%e8%90%ac%e4%b8%80%e5%80%8b%e6%9c%88%e8%a6%81%e7%b9%b3%e5%a4%9a%e5%b0%91%ef%bc%9f","status":"publish","type":"post","link":"https:\/\/lammllees.shop\/%e8%bb%8a%e8%b2%b8200%e8%90%ac%e4%b8%80%e5%80%8b%e6%9c%88%e8%a6%81%e7%b9%b3%e5%a4%9a%e5%b0%91%ef%bc%9f\/","title":{"rendered":"\u8eca\u8cb8200\u842c\u4e00\u500b\u6708\u8981\u7e73\u591a\u5c11\uff1f"},"content":{"rendered":"<p>\u5728\u73fe\u4ee3\u793e\u6703\u4e2d\uff0c\u64c1\u6709\u4e00\u8f1b\u5c6c\u65bc\u81ea\u5df1\u7684\u6c7d\u8eca\u4e0d\u50c5\u50c5\u662f\u4e00\u7a2e\u4fbf\u5229\uff0c\u66f4\u662f\u4e00\u7a2e\u751f\u6d3b\u54c1\u8cea\u7684\u8c61\u5fb5\u3002\u7136\u800c\uff0c\u9762\u5c0d\u65e5\u76ca\u9ad8\u6f32\u7684\u8eca\u8f1b\u50f9\u683c\uff0c\u8a31\u591a\u4eba\u9078\u64c7\u900f\u904e<a href=\"http:\/\/lammllees.shop\/\u6c7d\u8eca\u8cb8\u6b3e\/\" target=\"_blank\">\u8eca\u8cb8<\/a>\u4f86\u5be6\u73fe\u81ea\u5df1\u7684\u6c7d\u8eca\u5922\u60f3\u3002\u300c\u8eca\u8cb8200\u842c\u4e00\u500b\u6708\u8981\u7e73\u591a\u5c11\uff1f\u300d\u9019\u500b\u554f\u984c\u6210\u70ba\u4e86\u8a31\u591a\u6f5b\u5728\u8eca\u4e3b\u5fc3\u4e2d\u7684\u7591\u60d1\u3002\u5728\u9019\u7bc7\u6587\u7ae0\u4e2d\uff0c\u6211\u5011\u5c07\u6df1\u5165\u63a2\u8a0e\u4e0d\u540c\u7684<a href=\"http:\/\/lammllees.shop\/\u300c\u8cb8\u6b3e\u653b\u7565\uff1a\u5982\u4f55\u6709\u6548\u7ba1\u7406\u8ca1\u52d9\u8207\u5be6\u73fe\u5922\u60f3\u300d\/\" target=\"_blank\">\u8cb8\u6b3e<\/a>\u689d\u4ef6\u8207\u5229\u7387\u5982\u4f55\u5f71\u97ff\u6bcf\u6708\u7684\u9084\u6b3e\u91d1\u984d\uff0c\u5e6b\u52a9\u8b80\u8005\u5728\u5be6\u73fe\u6c7d\u8eca\u5922\u60f3\u7684\u540c\u6642\uff0c\u505a\u51fa\u6700\u7b26\u5408\u81ea\u8eab\u8ca1\u52d9\u72c0\u6cc1\u7684\u6c7a\u7b56\u3002\u7121\u8ad6\u4f60\u662f\u9996\u6b21\u8003\u616e\u8eca\u8cb8\u7684\u65b0\u624b\uff0c\u9084\u662f\u5c0b\u6c42\u66f4\u512a\u65b9\u6848\u7684\u719f\u624b\uff0c\u6b64\u6587\u7ae0\u90fd\u5c07\u70ba\u4f60\u63d0\u4f9b\u503c\u5f97\u53c3\u8003\u7684\u898b\u89e3\u3002<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_73 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">\u5167\u5bb9\u5927\u7db2 :<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/lammllees.shop\/%e8%bb%8a%e8%b2%b8200%e8%90%ac%e4%b8%80%e5%80%8b%e6%9c%88%e8%a6%81%e7%b9%b3%e5%a4%9a%e5%b0%91%ef%bc%9f\/#%E8%BB%8A%E8%B2%B8%E5%9F%BA%E7%A4%8E%E7%9F%A5%E8%AD%98%EF%BC%9A%E5%BE%9E%E8%B2%B8%E6%AC%BE%E9%87%91%E9%A1%8D%E5%88%B0%E6%9C%88%E4%BB%98%E6%AC%BE\" title=\"\u8eca\u8cb8\u57fa\u790e\u77e5\u8b58\uff1a\u5f9e\u8cb8\u6b3e\u91d1\u984d\u5230\u6708\u4ed8\u6b3e\">\u8eca\u8cb8\u57fa\u790e\u77e5\u8b58\uff1a\u5f9e\u8cb8\u6b3e\u91d1\u984d\u5230\u6708\u4ed8\u6b3e<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/lammllees.shop\/%e8%bb%8a%e8%b2%b8200%e8%90%ac%e4%b8%80%e5%80%8b%e6%9c%88%e8%a6%81%e7%b9%b3%e5%a4%9a%e5%b0%91%ef%bc%9f\/#%E5%88%A9%E7%8E%87%E6%8F%AD%E7%A7%98%EF%BC%9A%E5%BD%B1%E9%9F%BF%E6%9C%88%E4%BE%9B%E7%9A%84%E9%97%9C%E9%8D%B5%E5%9B%A0%E7%B4%A0\" title=\"\u5229\u7387\u63ed\u79d8\uff1a\u5f71\u97ff\u6708\u4f9b\u7684\u95dc\u9375\u56e0\u7d20\">\u5229\u7387\u63ed\u79d8\uff1a\u5f71\u97ff\u6708\u4f9b\u7684\u95dc\u9375\u56e0\u7d20<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/lammllees.shop\/%e8%bb%8a%e8%b2%b8200%e8%90%ac%e4%b8%80%e5%80%8b%e6%9c%88%e8%a6%81%e7%b9%b3%e5%a4%9a%e5%b0%91%ef%bc%9f\/#%E7%B2%BE%E6%98%8E%E7%90%86%E8%B2%A1%EF%BC%9A%E5%A6%82%E4%BD%95%E9%99%8D%E4%BD%8E%E8%BB%8A%E8%B2%B8%E6%9C%88%E4%BB%98%E6%AC%BE%E5%A3%93%E5%8A%9B\" title=\"\u7cbe\u660e\u7406\u8ca1\uff1a\u5982\u4f55\u964d\u4f4e\u8eca\u8cb8\u6708\u4ed8\u6b3e\u58d3\u529b\">\u7cbe\u660e\u7406\u8ca1\uff1a\u5982\u4f55\u964d\u4f4e\u8eca\u8cb8\u6708\u4ed8\u6b3e\u58d3\u529b<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/lammllees.shop\/%e8%bb%8a%e8%b2%b8200%e8%90%ac%e4%b8%80%e5%80%8b%e6%9c%88%e8%a6%81%e7%b9%b3%e5%a4%9a%e5%b0%91%ef%bc%9f\/#%E5%B0%88%E5%AE%B6%E5%BB%BA%E8%AD%B0%EF%BC%9A%E9%81%B8%E6%93%87%E6%9C%80%E9%81%A9%E5%90%88%E7%9A%84%E9%82%84%E6%AC%BE%E6%96%B9%E6%A1%88\" title=\"\u5c08\u5bb6\u5efa\u8b70\uff1a\u9078\u64c7\u6700\u9069\u5408\u7684\u9084\u6b3e\u65b9\u6848\">\u5c08\u5bb6\u5efa\u8b70\uff1a\u9078\u64c7\u6700\u9069\u5408\u7684\u9084\u6b3e\u65b9\u6848<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/lammllees.shop\/%e8%bb%8a%e8%b2%b8200%e8%90%ac%e4%b8%80%e5%80%8b%e6%9c%88%e8%a6%81%e7%b9%b3%e5%a4%9a%e5%b0%91%ef%bc%9f\/#%E5%B8%B8%E8%A6%8B%E5%95%8F%E7%AD%94\" title=\"\u5e38\u898b\u554f\u7b54\">\u5e38\u898b\u554f\u7b54<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/lammllees.shop\/%e8%bb%8a%e8%b2%b8200%e8%90%ac%e4%b8%80%e5%80%8b%e6%9c%88%e8%a6%81%e7%b9%b3%e5%a4%9a%e5%b0%91%ef%bc%9f\/#%E7%B8%BD%E7%B5%90\" title=\"\u7e3d\u7d50\">\u7e3d\u7d50<\/a><\/li><\/ul><\/nav><\/div>\n<h2 id=\"%e8%bb%8a%e8%b2%b8%e5%9f%ba%e7%a4%8e%e7%9f%a5%e8%ad%98%ef%bc%9a%e5%be%9e%e8%b2%b8%e6%ac%be%e9%87%91%e9%a1%8d%e5%88%b0%e6%9c%88%e4%bb%98%e6%ac%be\"><span class=\"ez-toc-section\" id=\"%E8%BB%8A%E8%B2%B8%E5%9F%BA%E7%A4%8E%E7%9F%A5%E8%AD%98%EF%BC%9A%E5%BE%9E%E8%B2%B8%E6%AC%BE%E9%87%91%E9%A1%8D%E5%88%B0%E6%9C%88%E4%BB%98%E6%AC%BE\"><\/span>\u8eca\u8cb8\u57fa\u790e\u77e5\u8b58\uff1a\u5f9e\u8cb8\u6b3e\u91d1\u984d\u5230\u6708\u4ed8\u6b3e<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>\u8cfc\u8cb7\u6c7d\u8eca\u6642\uff0c\u8a31\u591a\u4eba\u6703\u9078\u64c7\u5229\u7528\u8cb8\u6b3e\u4f86\u5206\u6524\u7d93\u6fdf\u58d3\u529b\u3002\u5728\u7533\u8acb\u8eca\u8cb8\u6642\uff0c\u6211\u5011\u5fc5\u9808\u8003\u616e\u591a\u500b\u56e0\u7d20\uff0c\u4f8b\u5982\u8cb8\u6b3e\u91d1\u984d\u3001\u5229\u7387\u4ee5\u53ca\u8cb8\u6b3e\u671f\u9650\uff0c\u9019\u4e9b\u90fd\u6703\u5f71\u97ff\u5230\u6bcf\u500b\u6708\u7684\u9084\u6b3e\u91d1\u984d\u3002\u5047\u8a2d\u60a8\u6253\u7b97\u8cb8\u6b3e200\u842c\uff0c\u5229\u7387\u70ba2%\uff0c\u5206\u671f5\u5e74\uff0c\u60a8\u53ef\u4ee5\u4f7f\u7528\u4e0b\u5217\u516c\u5f0f\u4f86\u8a08\u7b97\u6bcf\u6708\u9084\u6b3e\u91d1\u984d\uff1a <strong>P = [R * (1 + R)^N] \/ [(1 + R)^N &#8211; 1] * L<\/strong>\uff0c\u5176\u4e2d \u2062 <strong>P<\/strong> \u662f\u6708\u4ed8\u91d1\uff0c<strong>R<\/strong> \u662f\u6708\u5229\u7387\uff08\u5e74\u5229\u7387\/12\uff09\uff0c<strong>N<\/strong> \u662f\u8cb8\u6b3e\u671f\u6578\uff0c<strong>L<\/strong> \u662f\u8cb8\u6b3e\u91d1\u984d\u3002<\/p>\n<ul>\n<li>\u8cb8\u6b3e\u91d1\u984d\uff1a200\u842c<\/li>\n<li>\u5e74\u5229\u7387\uff1a2%<\/li>\n<li>\u8cb8\u6b3e\u671f\u9650\uff1a5\u5e74<\/li>\n<\/ul>\n<table class=\"table table-striped\">\n<thead>\n<tr>\n<th><strong>\u8cb8\u6b3e\u9805\u76ee<\/strong><\/th>\n<th><strong><a href=\"https:\/\/lammllees.shop\/%e6%8f%ad%e5%af%86%e5%88%a9%e7%8e%87%e7%ae%97%e6%b3%95%ef%bc%9a%e9%87%91%e8%9e%8d%e4%b8%96%e7%95%8c%e4%b8%ad%e7%9a%84%e8%a8%88%e7%ae%97%e8%a6%8f%e5%89%87%e8%88%87%e9%82%8f%e8%bc%af\/\">\u5229\u7387<\/a><\/strong><\/th>\n<th><strong>\u5e74\u9650<\/strong><\/th>\n<th><strong><a href=\"https:\/\/lammllees.shop\/%e6%8e%8c%e6%8f%a1%e8%bb%8a%e8%b2%b8%e8%a8%88%e7%ae%97%e5%85%ac%e5%bc%8f%ef%bc%9a%e8%bc%95%e9%ac%86%e7%ae%a1%e7%90%86%e4%bd%a0%e7%9a%84%e6%af%8f%e6%9c%88%e9%82%84%e6%ac%be\/\">\u6bcf\u6708\u9084\u6b3e<\/a><\/strong><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>\u57fa\u790e\u8cb8\u6b3e<\/td>\n<td>2%<\/td>\n<td>5\u5e74<\/td>\n<td>\u7d0435,242\u5143<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>\u96d6\u7136\u8cb8\u6b3e200\u842c\u4f3c\u4e4e\u662f\u4e00\u7b46\u4e0d\u5c0f\u7684\u6578\u76ee\uff0c\u4f46\u5408\u7406\u5b89\u6392\u8ca1\u52d9\u53ef\u4ee5\u6e1b\u8f15\u7d93\u6fdf\u8ca0\u64d4\u3002\u70ba\u4e86\u78ba\u4fdd\u81ea\u5df1\u7684\u9084\u6b3e\u80fd\u529b\uff0c\u5efa\u8b70\u60a8\u5236\u5b9a\u8a73\u7d30\u7684\u8ca1\u52d9\u8a08\u756b\uff0c\u5f9e\u9577\u9060\u4f86\u770b\uff0c\u9019\u6709\u52a9\u65bc\u6e1b\u5c11\u56e0\u5229\u7387\u8b8a\u5316\u53ef\u80fd\u5e36\u4f86\u7684\u5f71\u97ff\u3002\u6b64\u5916\uff0c\u5728\u9078\u64c7\u8eca\u8cb8\u65b9\u6848\u6642\uff0c\u53ef\u4ee5\u8003\u616e\u4ee5\u4e0b\u5e7e\u9ede\uff1a<\/p>\n<ul>\n<li>\u6bd4\u8f03\u4e0d\u540c\u91d1\u878d\u6a5f\u69cb\u63d0\u4f9b\u7684\u8cb8\u6b3e\u5229\u7387<\/li>\n<li>\u6aa2\u67e5\u662f\u5426\u6709\u4efb\u4f55\u96b1\u85cf\u8cbb\u7528\u6216\u984d\u5916\u8cbb\u7528<\/li>\n<li>\u9078\u64c7\u9069\u5408\u81ea\u5df1\u9810\u7b97\u7684\u9084\u6b3e\u671f\u9650<\/li>\n<\/ul>\n<p>\u900f\u904e\u9019\u4e9b\u65b9\u6cd5\uff0c\u501f\u6b3e\u4eba\u80fd\u66f4\u597d\u5730\u638c\u63e1\u8ca1\u52d9\u4e3b\u52d5\u6b0a\uff0c\u5be6\u73fe\u8212\u9069\u7684\u6c7d\u8eca\u751f\u6d3b\u3002<strong>\u5584\u65bc\u898f\u5283<\/strong>\u548c\u4e86\u89e3\u81ea\u8eab\u9700\u6c42\uff0c\u662f\u6210\u529f\u7ba1\u7406\u8eca\u8cb8\u7684\u95dc\u9375\u3002<\/p>\n<h2 id=\"%e5%88%a9%e7%8e%87%e6%8f%ad%e7%a7%98%ef%bc%9a%e5%bd%b1%e9%9f%bf%e6%9c%88%e4%be%9b%e7%9a%84%e9%97%9c%e9%8d%b5%e5%9b%a0%e7%b4%a0\"><span class=\"ez-toc-section\" id=\"%E5%88%A9%E7%8E%87%E6%8F%AD%E7%A7%98%EF%BC%9A%E5%BD%B1%E9%9F%BF%E6%9C%88%E4%BE%9B%E7%9A%84%E9%97%9C%E9%8D%B5%E5%9B%A0%E7%B4%A0\"><\/span>\u5229\u7387\u63ed\u79d8\uff1a\u5f71\u97ff\u6708\u4f9b\u7684\u95dc\u9375\u56e0\u7d20<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>\u7576\u8003\u616e\u7533\u8acb\u8eca\u8cb8\u6642\uff0c\u95dc\u5fc3\u7684\u4e0d\u50c5\u662f\u6bcf\u6708\u9084\u591a\u5c11\u9322\uff0c\u9084\u6709\u8a31\u591a\u6f5b\u5728\u56e0\u7d20\u6703\u5f71\u97ff\u6700\u7d42\u7684\u6708\u4f9b\u91d1\u984d\u3002<strong>\u5229\u7387<\/strong>\u662f\u5f71\u97ff\u6708\u4f9b\u7684\u6838\u5fc3\u56e0\u7d20\u4e4b\u4e00\uff0c\u9280\u884c\u53ca\u91d1\u878d\u6a5f\u69cb\u6839\u64da\u500b\u4eba\u4fe1\u7528\u8a55\u5206\u3001\u8cb8\u6b3e\u671f\u9650\u53ca\u76ee\u524d\u7684\u5e02\u5834\u60c5\u52e2\u4f86\u78ba\u5b9a\u5177\u9ad4\u7684\u5229\u7387\u3002\u6b64\u5916\uff0c<strong>\u8cb8\u6b3e\u671f\u9650<\/strong>\u9577\u77ed\uff0c\u4e5f\u76f4\u63a5\u5f71\u97ff\u5206\u671f\u4ed8\u6b3e\u7684\u91d1\u984d\uff0c\u8cb8\u6b3e\u6642\u9593\u8d8a\u9577\uff0c\u6bcf\u671f\u652f\u4ed8\u7684\u91d1\u984d\u6703\u8f03\u5c0f\uff0c\u4f46\u7e3d\u652f\u4ed8\u7684\u5229\u7387\u6703\u9ad8\u65bc\u77ed\u671f\u8cb8\u6b3e\u3002<\/p>\n<ul>\n<li><strong><a href=\"https:\/\/lammllees.shop\/%e4%bf%a1%e8%b2%b8%e5%bd%b1%e9%9f%bf%e4%bf%a1%e7%94%a8%e5%8d%a1%e7%94%b3%e8%ab%8b%e5%97%8e%ef%bc%9f%e4%bd%a0%e9%9c%80%e8%a6%81%e7%9f%a5%e9%81%93%e7%9a%84%e9%97%9c%e9%8d%b5\/\">\u4fe1\u7528\u8a55\u5206<\/a><\/strong>\uff1a\u4fe1\u7528\u826f\u597d\u901a\u5e38\u610f\u5473\u8457\u8f03\u4f4e\u7684\u5229\u7387\u3002<\/li>\n<li><strong>\u8cb8\u6b3e\u91d1\u984d<\/strong>\uff1a\u8cb8\u6b3e\u91d1\u984d\u4e0a\u5347\u53ef\u80fd\u6703\u5f97\u5230\u5229\u7387\u512a\u60e0\u3002<\/li>\n<li><strong>\u5e02\u5834\u60c5\u52e2<\/strong>\uff1a\u7d93\u6fdf\u72c0\u6cc1\u6ce2\u52d5\u6703\u6539\u8b8a\u5229\u7387\u7684\u8d70\u5411\u3002<\/li>\n<\/ul>\n<p>\u70ba\u4e86\u5e6b\u52a9\u4e86\u89e3\u4e0d\u540c\u56e0\u7d20\u4e0b\u7684\u6708\u4f9b\u8a08\u7b97\uff0c\u4ee5\u4e0b\u8868\u683c\u7d66\u51fa\u4e86\u4e00\u4e9b\u4f8b\u5b50\uff0c\u8003\u616e\u5230\u4e3b\u8981\u8b8a\u6578\u7684\u4e0d\u540c\u7d44\u5408\uff1a<\/p>\n<table class=\"wp-block-table\">\n<thead>\n<tr>\n<th>\u56e0\u7d20<\/th>\n<th>\u7bc4\u4f8b\u5229\u7387<\/th>\n<th>\u6bcf\u6708\u652f\u4ed8<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>\u9ad8\u4fe1\u7528\u8a55\u5206\uff0c\u77ed\u671f\u8cb8\u6b3e<\/td>\n<td>2.5%<\/td>\n<td>NT$18,500<\/td>\n<\/tr>\n<tr>\n<td>\u4e2d\u4fe1\u7528\u8a55\u5206\uff0c\u4e2d\u671f\u8cb8\u6b3e<\/td>\n<td>3.5%<\/td>\n<td>NT$22,000<\/td>\n<\/tr>\n<tr>\n<td>\u4f4e\u4fe1\u7528\u8a55\u5206\uff0c\u9577\u671f\u8cb8\u6b3e<\/td>\n<td>5.0%<\/td>\n<td>NT$25,000<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2 id=\"%e7%b2%be%e6%98%8e%e7%90%86%e8%b2%a1%ef%bc%9a%e5%a6%82%e4%bd%95%e9%99%8d%e4%bd%8e%e8%bb%8a%e8%b2%b8%e6%9c%88%e4%bb%98%e6%ac%be%e5%a3%93%e5%8a%9b\"><span class=\"ez-toc-section\" id=\"%E7%B2%BE%E6%98%8E%E7%90%86%E8%B2%A1%EF%BC%9A%E5%A6%82%E4%BD%95%E9%99%8D%E4%BD%8E%E8%BB%8A%E8%B2%B8%E6%9C%88%E4%BB%98%E6%AC%BE%E5%A3%93%E5%8A%9B\"><\/span>\u7cbe\u660e\u7406\u8ca1\uff1a\u5982\u4f55\u964d\u4f4e\u8eca\u8cb8\u6708\u4ed8\u6b3e\u58d3\u529b<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<div class=\"post-content\">\n<p>\u8eca\u8cb8\u7684\u9f90\u5927\u58d3\u529b\u5e38\u5e38\u8b93\u4eba\u611f\u5230\u4e0d\u77e5\u6240\u63aa\uff0c\u4f46\u5176\u5be6\u6709\u5f88\u591a\u65b9\u6cd5\u53ef\u4ee5\u5e6b\u52a9\u4f60\u6709\u6548\u6e1b\u8f15\u6bcf\u6708\u7684\u652f\u4ed8\u58d3\u529b\u3002\u9996\u5148\uff0c\u53ef\u4ee5\u8003\u616e\u589e\u52a0\u982d\u671f\u6b3e\u7684\u6bd4\u91cd\u4f86\u6e1b\u5c11\u8cb8\u6b3e\u984d\u5ea6\uff0c\u9019\u6a23\u6bcf\u6708\u7684\u9084\u6b3e\u6703\u76f8\u61c9\u6e1b\u5c11\u3002\u6b64\u5916\uff0c\u9078\u64c7<strong>\u8f03\u9577\u7684\u8cb8\u6b3e\u671f\u9650<\/strong>\u4e5f\u662f\u4e00\u500b\u597d\u8fa6\u6cd5\uff0c\u96d6\u7136\u6703\u589e\u52a0\u7e3d\u5229\u606f\u652f\u51fa\uff0c\u4f46\u80fd\u8b93\u6bcf\u6708\u7684\u4ed8\u6b3e\u66f4\u6613\u65bc\u8ca0\u64d4\u3002<\/p>\n<table class=\"wp-block-table\">\n<thead>\n<tr>\n<th>\u7b56\u7565<\/th>\n<th>\u512a\u52e2<\/th>\n<th>\u6311\u6230<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>\u8f03\u9ad8\u7684\u982d\u671f\u6b3e<\/td>\n<td>\u6e1b\u5c11\u6bcf\u6708\u4ed8\u6b3e<\/td>\n<td>\u521d\u671f\u8cc7\u91d1\u9700\u6c42\u5927<\/td>\n<\/tr>\n<tr>\n<td>\u5ef6\u9577\u8cb8\u6b3e\u671f\u9650<\/td>\n<td>\u6bcf\u6708\u6210\u672c\u964d\u4f4e<\/td>\n<td>\u7e3d\u5229\u606f\u589e\u52a0<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>\u9084\u6709\u4e00\u4e9b\u5176\u4ed6\u7684\u5be6\u7528\u6280\u5de7\uff0c\u4f8b\u5982\u9078\u64c7<strong>\u8f03\u4f4e\u5229\u7387\u7684\u8cb8\u6b3e\u65b9\u6848<\/strong>\u6216\u696d\u52d9\u5b9a\u671f<strong>\u6bd4\u8f03\u4e0d\u540c\u91d1\u878d\u6a5f\u69cb\u7684<\/strong><em>\u5229\u7387<\/em>\u548c<em>\u8cbb\u7528<\/em>\u3002\u9019\u6a23\u53ef\u4ee5\u5e6b\u52a9\u4f60\u627e\u5230\u6700\u512a\u60e0\u7684\u8cb8\u6b3e\u9078\u64c7\u3002\u6b64\u5916\uff0c\u5982\u679c\u4f60\u7684\u8ca1\u52d9\u60c5\u6cc1\u5141\u8a31\uff0c\u63d0\u524d\u9084\u6b3e\u4e5f\u662f\u4e00\u500b\u6709\u6548\u7684\u9078\u64c7\uff0c\u9019\u6a23\u53ef\u4ee5\u5927\u5e45\u6e1b\u5c11\u672a\u4f86\u7684\u5229\u606f\u652f\u51fa\uff0c\u4e26\u52a0\u5feb\u511f\u6e05\u8cb8\u6b3e\u7684\u901f\u5ea6\u3002\u6bcf\u4e00\u500b\u5c0f\u6539\u8b8a\u90fd\u6703\u5c0d\u6e1b\u5c11\u8ca1\u52d9\u58d3\u529b\u6709\u6240\u5e6b\u52a9\u3002<\/p>\n<\/div>\n<h2 id=\"%e5%b0%88%e5%ae%b6%e5%bb%ba%e8%ad%b0%ef%bc%9a%e9%81%b8%e6%93%87%e6%9c%80%e9%81%a9%e5%90%88%e7%9a%84%e9%82%84%e6%ac%be%e6%96%b9%e6%a1%88\"><span class=\"ez-toc-section\" id=\"%E5%B0%88%E5%AE%B6%E5%BB%BA%E8%AD%B0%EF%BC%9A%E9%81%B8%E6%93%87%E6%9C%80%E9%81%A9%E5%90%88%E7%9A%84%E9%82%84%E6%AC%BE%E6%96%B9%E6%A1%88\"><\/span>\u5c08\u5bb6\u5efa\u8b70\uff1a\u9078\u64c7\u6700\u9069\u5408\u7684\u9084\u6b3e\u65b9\u6848<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<div>\n<p>\u96a8\u8457\u5e02\u5834\u4e0a\u4e0d\u540c\u7684\u8cb8\u6b3e\u9078\u64c7\u8d8a\u4f86\u8d8a\u591a\uff0c\u9078\u64c7\u9069\u5408\u81ea\u5df1\u7684\u9084\u6b3e\u65b9\u6848\u8b8a\u5f97\u5c24\u70ba\u91cd\u8981\u3002\u5c08\u5bb6\u5efa\u8b70\uff0c\u5728\u8003\u616e\u9084\u6b3e\u65b9\u6848\u6642\uff0c\u4e0d\u50c5\u8981\u95dc\u6ce8\u6bcf\u6708\u6708\u4f9b\u91d1\u984d\uff0c\u9084\u8981\u4ed4\u7d30\u8a55\u4f30\u6574\u9ad4\u9084\u6b3e\u7e3d\u984d\u548c\u5229\u7387\u7684\u5f71\u97ff\u3002\u4ee5\u4e0b\u662f\u5e7e\u500b\u8003\u616e\u56e0\u7d20\uff1a<\/p>\n<ul>\n<li><strong>\u5229\u7387\u985e\u578b\uff1a<\/strong> \u56fa\u5b9a\u5229\u7387\u63d0\u4f9b\u7a69\u5b9a\u7684\u9084\u6b3e\u91d1\u984d\uff0c\u4f46\u6d6e\u52d5\u5229\u7387\u53ef\u80fd\u6839\u64da\u5e02\u5834\u8b8a\u52d5\u800c\u6539\u8b8a\uff0c\u9700\u6839\u64da\u500b\u4eba\u504f\u597d\u9078\u64c7\u3002<\/li>\n<li><strong>\u9084\u6b3e\u671f\u9650\uff1a<\/strong> \u77ed\u671f\u65b9\u6848\u901a\u5e38\u6709\u8f03\u9ad8\u7684\u6708\u4f9b\uff0c\u4f46\u7e3d\u5229\u606f\u652f\u51fa\u8f03\u4f4e\uff1b\u800c\u9577\u671f\u65b9\u6848\u5247\u76f8\u53cd\u3002<\/li>\n<li><strong>\u5f48\u6027\u9084\u6b3e\uff1a<\/strong> \u67d0\u4e9b\u8a08\u5283\u53ef\u80fd\u5141\u8a31\u63d0\u524d\u9084\u6b3e\uff0c\u800c\u4e0d\u6703\u7522\u751f\u7f70\u91d1\uff0c\u5c0d\u65bc\u60f3\u52a0\u5feb\u9084\u6b3e\u901f\u5ea6\u7684\u501f\u6b3e\u4eba\u4f86\u8aaa\u662f\u500b\u597d\u9078\u64c7\u3002<\/li>\n<\/ul>\n<\/div>\n<div>\n<p>\u7576\u60a8\u624b\u4e2d\u7684\u8eca\u8cb8\u6b3e\u9805\u9054\u5230200\u842c\u6642\uff0c\u9078\u64c7\u4e00\u500b\u6700\u512a\u5316\u7684\u9084\u6b3e\u65b9\u6848\u986f\u5f97\u81f3\u95dc\u91cd\u8981\u3002\u4ee5\u4e0b\u662f\u4e00\u500b\u5178\u578b\u7684\u8a08\u5283\u4f9b\u60a8\u53c3\u8003\uff1a<\/p>\n<table class=\"wp-block-table\">\n<thead>\n<tr>\n<th>\u65b9\u6848<\/th>\n<th>\u6708\u4f9b (\u5047\u8a2d)<\/th>\n<th>\u5229\u7387<\/th>\n<th>\u671f\u9650<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>\u56fa\u5b9a\u5229\u7387\u8a08\u5283<\/td>\n<td>35,000\u5143<\/td>\n<td>3.5%<\/td>\n<td>60\u500b\u6708<\/td>\n<\/tr>\n<tr>\n<td>\u6d6e\u52d5\u5229\u7387\u8a08\u5283<\/td>\n<td>32,000\u5143<\/td>\n<td>3.0% \u8d77<\/td>\n<td>60\u500b\u6708<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>\u4e0d\u8ad6\u60a8\u9078\u64c7\u54ea\u7a2e\u8a08\u5283\uff0c\u8b39\u8a18\u8981\u7d9c\u5408\u8a55\u4f30\u6240\u6709\u689d\u4ef6\uff0c\u4ee5\u4fbf\u505a\u51fa\u6700\u5408\u9069\u7684\u8ca1\u52d9\u6c7a\u7b56\u3002<\/p>\n<\/div>\n<h2 id=\"qa\"><span class=\"ez-toc-section\" id=\"%E5%B8%B8%E8%A6%8B%E5%95%8F%E7%AD%94\"><\/span>\u5e38\u898b\u554f\u7b54<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>\u6a19\u984c\uff1a\u8eca\u8cb8200\u842c\u4e00\u500b\u6708\u8981\u7e73\u591a\u5c11\uff1f\u6df1\u5165\u89e3\u6790\u53ca\u8003\u91cf\u56e0\u7d20<\/p>\n<p>\u554f\uff1a\u4ee5200\u842c\u7684\u8eca\u8cb8\u4f86\u8aaa\uff0c\u901a\u5e38\u9700\u8981\u591a\u5c11\u6642\u9593\u4f86\u9084\u6e05\uff1f<\/p>\n<p>\u7b54\uff1a\u9019\u53d6\u6c7a\u65bc\u8cb8\u6b3e\u671f\u9650\u7684\u9577\u77ed\uff0c\u4e00\u822c\u4f86\u8aaa\uff0c\u8eca\u8cb8\u7684\u9084\u6b3e\u671f\u9650\u5f9e3\u5e74\u81f37\u5e74\u4e0d\u7b49\u3002\u5982\u679c\u9078\u64c75\u5e74\u7684\u8cb8\u6b3e\u671f\u9650\uff0c\u6bcf\u6708\u9700\u8981\u9084\u6b3e\u7684\u6b21\u6578\u5247\u70ba60\u6b21\u3002<\/p>\n<p>\u554f\uff1a\u6bcf\u6708\u9084\u6b3e\u984d\u8981\u5982\u4f55\u8a08\u7b97\u5462\uff1f<\/p>\n<p>\u7b54\uff1a\u6bcf\u6708\u9084\u6b3e\u984d\u4e3b\u8981\u53d6\u6c7a\u65bc\u8cb8\u6b3e\u91d1\u984d\u3001\u5229\u7387\u53ca\u9084\u6b3e\u671f\u9650\u3002\u6839\u64da\u4e0d\u540c\u7684\u9280\u884c\u6216\u8cb8\u6b3e\u6a5f\u69cb\uff0c\u5229\u7387\u53ef\u80fd\u6709\u6240\u4e0d\u540c\u3002\u5047\u8a2d\u5229\u7387\u70ba3%\uff0c\u8cb8\u6b3e\u671f\u9650\u70ba5\u5e74\uff0c\u6bcf\u6708\u7684\u9084\u6b3e\u984d\u53ef\u4ee5\u7528\u7b49\u984d\u672c\u606f\u65b9\u5f0f\u8a08\u7b97\u3002<\/p>\n<p>\u554f\uff1a\u90a3\u9ebc\u7b49\u984d\u672c\u606f\u7684\u8a08\u7b97\u65b9\u5f0f\u662f\u4ec0\u9ebc\uff1f<\/p>\n<p>\u7b54\uff1a\u7b49\u984d\u672c\u606f\u8a08\u7b97\u516c\u5f0f\u70ba\uff1a<br \/>\n\u6bcf\u6708\u9084\u6b3e\u984d\u200c = [\u501f\u6b3e\u672c\u91d1 \u00d7 \u6708\u5229\u7387 \u00d7 (1 + \u6708\u5229\u7387)^\u9084\u6b3e\u7e3d\u671f\u6578] \u00f7 [(1 + \u6708\u5229\u7387)^\u9084\u6b3e\u7e3d\u671f\u6578 \u2212 1]\u3002<br \/>\n\u5047\u8a2d\u5e74\u5229\u7387\u70ba3%\uff0c\u5247\u6708\u5229\u7387\u70ba0.25%\uff083% \u00f7 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