{"id":1548,"date":"2025-03-07T23:20:54","date_gmt":"2025-03-07T15:20:54","guid":{"rendered":"https:\/\/henrysfinancialnotes.com\/?p=1548"},"modified":"2025-03-23T22:12:57","modified_gmt":"2025-03-23T14:12:57","slug":"what-is-your-maximum-amount-of-insecured-loan","status":"publish","type":"post","link":"https:\/\/henrysfinancialnotes.com\/en\/what-is-your-maximum-amount-of-insecured-loan\/","title":{"rendered":"\u6a02\u5929\u9280\u884c\u3001Line Bank\u4fe1\u8cb8\u5be6\u6e2c! \u8b93\u8cb8\u6b3e\u90e8\u9580\u9280\u884c\u54e1\u4f86\u70ba\u4f60\u89e3\u7b54\u600e\u9ebc\u8a08\u7b97\u4fe1\u8cb8\u984d\u5ea6\u4e0a\u9650 – DBR22\u500d\u662f\u4ec0\u9ebc? \u5e73\u5747\u6708\u6536\u5165\u53c8\u8a72\u600e\u9ebc\u7b97?"},"content":{"rendered":"

\u54c8\u5229\u5728\u516c\u80a1\u9280\u884c\u8cb8\u6b3e\u90e8\u9580\u5de5\u4f5c\u4e863\u5e74\uff0c\u5e6b\u4e0a\u767e\u5ba2\u6236\u8fa6\u7406\u904e\u5404\u5f0f\u8cb8\u6b3e\uff0c\u7d42\u65bc\u5728\u53bb\u5e74\u5e95\u6642\u63db\u81ea\u5df1\u5728\u6a02\u5929\u9280\u884c\u8fa6\u4e86\u4e00\u7b46173\u842c\u5143\u7684\u4fe1\u8cb8\uff0c\u6b63\u5f0f\u958b\u59cb\u8ca0\u50b5\u4eba\u751f\u5566! \u4f46\u56e0\u70ba\u984d\u5ea6\u8ddf\u6700\u521d\u7533\u8acb\u7684\u6709\u883b\u5927\u7684\u843d\u5dee\uff0c\u52a0\u4e0a\u72af\u4e86\u8077\u696d\u75c5\uff0c\u958b\u59cb\u56de\u63a8\u6a02\u5929\u9280\u884c\u3001Line Bank\u5230\u5e95\u662f\u600e\u9ebc\u8a08\u7b97\u6211\u7684DBR22\u500d\u5462? \u5c31\u8b93\u6211\u75283\u5206\u9418\u4f86\u89e3\u91cb\u9280\u884c\u6703\u7d66\u4f60\u7684\u4fe1\u8cb8\u6700\u9ad8\u984d\u5ea6\u5427 \ud83d\ude42<\/p>\n\n\n\n

DBR(Debt Burden Ratio)\u662f\u4ec0\u9ebc?<\/h2>\n\n\n\n
\"DBR(\u8ca0\u50b5\u6bd4\u7387)<\/figure>\n\n\n\n

DBR\u8a08\u7b97\u6536\u5165\u7684\u65b9\u5f0f<\/h2>\n\n\n\n

\u800c\u6211\u5011\u5e38\u807d\u5230\u7684DBR22\u500d<\/a>\u5176\u5be6\u662f\u4e3b\u7ba1\u6a5f\u95dc\u6015\u5927\u5bb6\u904e\u5ea6\u501f\u6b3e\u800c\u5c0d\u9280\u884c\u8a02\u5b9a\u7684\u898f\u7bc4 :
\u6240\u6709\u9280\u884c\u501f\u4f60\u7684\u4fe1\u8cb8\u3001\u4fe1\u7528\u5361\u5206\u671f&\u5faa\u74b0\u4fe1\u7528\u3001\u73fe\u91d1\u5361\u91d1\u984d\u52a0\u7e3d\u4e0d\u80fd\u8d85\u904e\u4f60\u5e73\u5747\u6708\u6536\u5165\u768422\u500d<\/strong><\/p>\n\n\n\n

\u800c\u54c8\u5229\u7684\u5e74\u6536\u5165\u662f169\u842c\uff0c\u63db\u7b97\u5e73\u5747\u6708\u6536\u5165\u662f14\u842c\uff0c\u6309DBR\u8a08\u7b97\u9280\u884c\u61c9\u8a72\u501f\u6211\u500b310\u842c\u5143(14\u842cX22\u500d)\u6c92\u554f\u984c\u5427?
\u4f46\u4e8b\u8207\u9858\u9055\uff0c\u6211\u7533\u8acb\u76842\u5bb6\u9280\u884c\u6838\u7d66\u6211\u7684\u984d\u5ea6\u5206\u5225\u662f :<\/p>\n\n\n\n

<\/td>\u4fe1\u8cb8\u91d1\u984d<\/td><\/tr>
\u54c8\u5229\u4fdd\u5b88\u9810\u8a08<\/td>\u61c9\u8a72\u6709\u500b200\u842c?<\/td><\/tr>
\u6a02\u5929\u9280\u884c<\/td>173\u842c<\/td><\/tr>
Line Bank<\/td>150\u842c<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

\u539f\u672c\u60f3\u8aaa\u6c11\u71df\u9280\u884c\u7684\u6536\u5165\u8a8d\u5217\u6703\u6bd4\u6211\u5011\u516c\u80a1\u9280\u884c(\u8a3b1)<\/sub>\u4f86\u5f97\u9b06\u4e00\u4e9b\uff0c\u4f46\u5be6\u6e2c\u7d50\u679c\u770b\u8d77\u4f86\u4e26\u6c92\u6709..

\u8a3b1 : \u516c\u80a1\u9280\u884c \u2192 \u6700\u5927\u80a1\u6771\u662f\u653f\u5e9c\u7684\u9280\u884c<\/strong>\uff0c\u7e3d\u5171\u67098\u5bb6 –
\u53f0\u7063\u9280\u884c\u3001\u571f\u5730\u9280\u884c\u3001\u5146\u8c50\u9280\u884c\u3001\u7b2c\u4e00\u9280\u884c\u3001\u5408\u4f5c\u91d1\u5eab\u3001\u83ef\u5357\u9280\u884c\u3001\u5f70\u5316\u9280\u884c\u3001\u53f0\u7063\u4e2d\u5c0f\u4f01\u9280
\u4e00\u822c\u4f86\u8aaa\uff0c\u516c\u80a1\u9280\u884c\u56e0\u70ba\u6709\u5b98\u65b9\u7684\u8272\u5f69\uff0c\u5728\u501f\u6b3e\u6642\u6703\u6bd4\u8f03\u4fdd\u5b88\uff0c\u5be9\u6838\u4fe1\u8cb8\u6642\u7d66\u7684\u984d\u5ea6\u901a\u5e38\u4e5f\u6703\u8f03\u4f4e\u3002<\/p>\n\n\n\n

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\u85aa\u8cc7\u3001\u6d77\u5916\u4ea4\u6613\u6240\u5f97\u3001\u5229\u606f\u3001\u71df\u5229(\u80a1\u606f\u6536\u5165)\u3001\u5176\u4ed6\u6536\u5165<\/p>\n\n\n\n

\"\u54c8\u5229\u63d0\u4f9b\u7d66\u9280\u884c\u7684\u6240\u5f97\u5167\u5bb9\"<\/figure>\n\n\n\n

\u800c\u9280\u884c\u4e0d\u78ba\u5b9a\u6211\u660e\u5e74\u7684\u4ea4\u6613\u6240\u5f97\u3001\u5229\u606f\u3001\u71df\u5229\u6536\u5165\u662f\u5426\u6703\u8ddf\u4eca\u5e74\u4e00\u6a23\u591a\uff0c\u6240\u4ee5\u5728\u8a08\u7b97DBR\u6642\uff0c\u4e00\u822c\u53ea\u6703\u4ee5\u300c\u6574\u5e74\u85aa\u8cc7 \/ 12\u500b\u6708\u300d\u4f86\u505a\u70ba\u5e73\u5747\u6708\u6536\u5165<\/strong>\uff0c\u6240\u4ee5\u6211\u7684\u5e73\u5747\u6708\u6536\u5165\u662f7.83\u842c\uff0c\u4e58\u4ee522\u500d\u5f8c\u662f172.3\u842c\u5143\uff0c\u662f\u4e0d\u662f\u5c31\u8ddf\u6a02\u5929\u9280\u884c\u7684\u6838\u8cb8\u91d1\u984d173\u842c\u5dee\u4e0d\u591a\u4e86\u5462!<\/p>\n\n\n\n

\u4fe1\u8cb8\u4e00\u5b9a\u6703DBR22\u500d\u7d66\u597d\u7d66\u6eff\u55ce?<\/h2>\n\n\n\n

\u6a02\u5929\u9280\u884c\u7d66\u54c8\u5229\u7684\u4fe1\u8cb8\u91d1\u984d\u525b\u597d\u5c31\u662fDBR22\u500d\u7684\u4e0a\u9650\uff0c\u4f46\u662f\uff0c\u6240\u6709\u9280\u884c\u90fd\u4e00\u5b9a\u6703\u7d66\u523022\u500d\u55ce?
\u50cf\u4e0a\u9762\u8868\u683c\u4e2d\u7684Line Bank\u5c31\u53ea\u7d66\u5230150\u842c\u5143\u7684\u984d\u5ea6\uff0c\u63db\u7b97DBR\u5927\u7d04\u53ea\u670919\u500d\u5de6\u53f3 –
\u4e0d\u662f\u6240\u6709\u7684\u9280\u884c\u90fd\u9858\u610f\u7d66\u6effDBR22\u500d\u7684\u984d\u5ea6<\/strong>

\u54c8\u5229\u5728\u505a\u4fe1\u8cb8\u6642\uff0c\u64c1\u6709\u6838\u8cb8\u6c7a\u5b9a\u6b0a\u7684\u4e3b\u7ba1\u901a\u5e38\u53ea\u6703\u7d66\u5230\u5e73\u5747\u6708\u6536\u516520\u500d\u7684\u91d1\u984d\uff0c\u539f\u56e0\u5f88\u55ae\u7d14\uff0c\u56e0\u70ba\u90e8\u5206\u9280\u884c\u5be7\u9858\u5c11\u8cb8\u4e00\u4e9b\u91d1\u984d\uff0c\u4e5f\u4e0d\u8981\u56e0\u70ba\u672a\u4f86\u53ef\u80fd\u53d7\u4e3b\u7ba1\u6a5f\u95dc\u67e5\u5e33\u6642\u56e0\u5c0d\u6240\u5f97\u8a8d\u5217\u7684\u4e0d\u540c\u800c\u906d\u6aa2\u8a0e\uff0c\u751a\u81f3\u53d7\u7f70\u3002<\/p>\n\n\n\n

\u4fe1\u8cb8DBR22\u500d\u9700\u8981\u6ce8\u610f\u4ec0\u9ebc?<\/h2>\n\n\n\n

1. \u4fe1\u8cb8\u53ef\u4ee5\u501f\u5230\u7684\u6700\u9ad8<\/strong>\u91d1\u984d = \u4f60\u7684\u5e73\u5747\u6708\u6536\u5165 X 22\u500d – (\u4fe1\u7528\u5361\u5206\u671f&\u5faa\u74b0\u4fe1\u7528 + \u73fe\u91d1\u5361\u91d1\u984d)
\u2192 \u6240\u4ee5\u5982\u679c\u6709\u4f7f\u7528\u4fe1\u7528\u5361\u5206\u671f\u7b49\u300c\u53e6\u985e\u501f\u6b3e\u300d\u4e5f\u6703\u964d\u4f4e\u4f60\u7684\u4fe1\u8cb8\u91d1\u984d\u54e6!<\/p>\n\n\n\n

2. \u5927\u90e8\u5206\u9280\u884c\u7684\u5e73\u5747\u6708\u6536\u5165\u8a08\u7b97\u65b9\u5f0f = \u5e74\u85aa \/ 12<\/p>\n\n\n\n

\u77ad\u89e3\u90192\u9ede\u5f8c\uff0c\u4f60\u5728\u7533\u8acb\u4fe1\u8cb8\u6642\uff0c\u5c31\u6703\u5c0d\u80fd\u62ff\u5230\u7684\u6700\u9ad8\u6838\u8cb8\u91d1\u984d\u6709\u500b\u5e95\u56c9!<\/p>\n\n\n\n

\u7533\u8acb\u6a02\u5929\u4fe1\u8cb8\u6642\uff0c\u54c8\u5229\u624d\u767c\u73fe\u6a02\u5929\u4fe1\u8cb8\u53ea\u80fd\u5f9e\u6a02\u5929\u9280\u884c\u5e33\u6236\u6263\u6b3e\uff0c\u6240\u4ee5\u4f60\u53ef\u4ee5\u4e00\u4f75\u958b\u9280\u884c\u5e33\u6236\u4e26\u8f38\u5165\u30103XNEDR\u3011\u6216\u76f4\u63a5\u9ede\u64ca\u4e0b\u65b9\u9023\u7d50\u958b\u6236<\/strong>\uff0c\u5728\u958b\u6236\u6210\u529f\u6b21\u670810\u865f\u524d\u7528\u884c\u52d5\u652f\u4ed8(\u8857\u53e3\u652f\u4ed8\u3001Pi\u9322\u5305\u3001\u5168\u652f\u4ed8\u3001\u60a0\u904a\u4ed8\u3001icash pay)\u9023\u7d50\u6a02\u5929\u9280\u884c\u5e33\u6236\u4e0d\u9650\u91d1\u984d\u6210\u529f\u4ed8\u6b3e\u4e00\u6b21\u5c31\u53ef\u7372\u5f97500\u5143\u54e6!<\/p>\n\n\n\n

<\/p>\n\n\n\n

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\u2192\u2192\u9ede\u6211\u958b\u6a02\u5929\u9280\u884c\u5e33\u6236<\/a>\u2190\u2190<\/p>\n\n\n\n

\"\u6a02\u5929\u4fe1\u8cb82.12%\u8d77\uff0c\u958b\u6236\u8f38\u5165\u63a8\u85a6\u78bc\u518d\u9001500\u5143!\"<\/a><\/figure>\n\n\n\n

<\/p>\n\n\n\n

\u5c07\u4f86\u9280\u884c10\u5e74\u671f\u4fe1\u8cb8\uff0c\u4f4e\u6708\u4ed8 + \u98db\u5feb\u5be9\u6838\u901f\u5ea6!<\/h2>\n\n\n\n

\u54c8\u5229\u53e6\u5916\u4e5f\u5617\u8a66\u7533\u8acbLine Bank\u4fe1\u8cb8\uff0c\u53ea\u80fd\u8aaa\u4ed6\u5011\u5be9\u6838\u901f\u5ea6\u771f\u7684 \u8d85 \u6975 \u5feb\uff0c\u7576\u5929\u7533\u8acb\uff0c\u9694\u5929\u99ac\u4e0a\u6838\u8cb8! \u52a0\u4e0a\u73fe\u5728\u63a8\u51fa10\u5e74\u671f\u4fe1\u8cb8(\u4e00\u822c\u4fe1\u8cb8\u6700\u9577\u53ea\u67097\u5e74)\uff0c\u5982\u679c\u4f60\u525b\u597d\u6025\u9700\u8cc7\u91d1\uff0c\u5c07\u4f86\u9280\u884c\u4e0d\u5931\u70ba\u4e00\u500b\u597d\u9078\u64c7\u54e6!<\/p>\n\n\n\n

\u2192\u2192\u9ede\u6211\u7533\u8acb\u5c07\u4f86\u9280\u884c\u4fe1\u8cb8<\/a>\u2190\u2190<\/p>\n\n\n\n

\"\"<\/a><\/figure>","protected":false},"excerpt":{"rendered":"

\u54c8\u5229\u5728\u516c\u80a1\u9280\u884c\u8cb8\u6b3e\u90e8\u9580\u5de5\u4f5c\u4e863\u5e74\uff0c\u5e6b\u4e0a\u767e\u5ba2\u6236\u8fa6\u7406\u904e\u5404\u5f0f\u8cb8\u6b3e\uff0c\u7d42\u65bc\u5728\u53bb\u5e74\u5e95\u6642\u63db\u81ea\u5df1\u5728\u6a02\u5929\u9280\u884c\u8fa6\u4e86\u4e00\u7b46173\u842c\u5143\u7684\u4fe1\u8cb8\uff0c\u6b63\u5f0f\u958b\u59cb\u8ca0\u50b5\u4eba\u751f\u5566! \u4f46\u56e0\u70ba\u984d\u5ea6\u8ddf\u6700\u521d\u7533\u8acb\u7684\u6709\u883b\u5927\u7684\u843d\u5dee..<\/p>","protected":false},"author":1,"featured_media":1628,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"nf_dc_page":"","om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[57],"tags":[89,90,91,86,87,88],"class_list":["post-1548","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-57","tag-dbr22","tag-line-bank","tag-rakuten","tag-86","tag-87","tag-88"],"blocksy_meta":[],"jetpack_featured_media_url":"https:\/\/i0.wp.com\/henrysfinancialnotes.com\/wp-content\/uploads\/2025\/03\/%E6%A8%82%E5%A4%A9%E4%BF%A1%E8%B2%B8featured-image.jpg?fit=1080%2C796&ssl=1","jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/henrysfinancialnotes.com\/en\/wp-json\/wp\/v2\/posts\/1548","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/henrysfinancialnotes.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/henrysfinancialnotes.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/henrysfinancialnotes.com\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/henrysfinancialnotes.com\/en\/wp-json\/wp\/v2\/comments?post=1548"}],"version-history":[{"count":20,"href":"https:\/\/henrysfinancialnotes.com\/en\/wp-json\/wp\/v2\/posts\/1548\/revisions"}],"predecessor-version":[{"id":1678,"href":"https:\/\/henrysfinancialnotes.com\/en\/wp-json\/wp\/v2\/posts\/1548\/revisions\/1678"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/henrysfinancialnotes.com\/en\/wp-json\/wp\/v2\/media\/1628"}],"wp:attachment":[{"href":"https:\/\/henrysfinancialnotes.com\/en\/wp-json\/wp\/v2\/media?parent=1548"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/henrysfinancialnotes.com\/en\/wp-json\/wp\/v2\/categories?post=1548"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/henrysfinancialnotes.com\/en\/wp-json\/wp\/v2\/tags?post=1548"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}