{"id":2496,"date":"2023-07-28T14:33:57","date_gmt":"2023-07-28T14:33:57","guid":{"rendered":"http:\/\/s1.dressupeverything.com\/https-web-archive-org-web-20221007151105-%e9%93%b6%e8%a1%8c%e8%b4%b7%e6%ac%be%e9%9c%80%e8%a6%81%e4%bb%80%e4%b9%88%e6%9d%a1%e4%bb%b6-%e4%b8%8d%e6%89%b9-%e9%9c%80%e8%a6%81%e4%bb%80%e4%b9%88%e8%b5%84%e\/"},"modified":"2023-07-28T14:33:57","modified_gmt":"2023-07-28T14:33:57","slug":"%e9%93%b6%e8%a1%8c%e8%b4%b7%e6%ac%be%e9%9c%80%e8%a6%81%e4%bb%80%e4%b9%88%e6%9d%a1%e4%bb%b6-%e4%b8%8d%e6%89%b9-%e9%9c%80%e8%a6%81%e4%bb%80%e4%b9%88%e8%b5%84e","status":"publish","type":"post","link":"https:\/\/maomaochia.com\/zh\/%e9%93%b6%e8%a1%8c%e8%b4%b7%e6%ac%be%e9%9c%80%e8%a6%81%e4%bb%80%e4%b9%88%e6%9d%a1%e4%bb%b6-%e4%b8%8d%e6%89%b9-%e9%9c%80%e8%a6%81%e4%bb%80%e4%b9%88%e8%b5%84e\/","title":{"rendered":"\u3010\u94f6\u884c\u8d37\u6b3e\u9700\u8981\u4ec0\u4e48\u6761\u4ef6\u3011\u9a6c\u6765\u897f\u4e9a\u94f6\u884c\u8d37\u6b3e\u4e0d\u6279\u76844\u5927\u539f\u56e0\uff0c\u9700\u8981\u4ec0\u4e48\u8d44\u6599\u8981\u591a\u4e45\uff1f"},"content":{"rendered":"<\/p>\n<div class=\"inner-post-entry entry-content\" id=\"penci-post-entry-inner\">\n<div style=\"margin: 8px auto;text-align: center;clear: both\">\n<div class=\"adofl-label\">Advertisement<\/div>\n<p><a href=\"https:\/\/t.me\/joinchat\/WKjsWLXmohNlLuR2\" target=\"_blank\" rel=\"noopener\"> <img decoding=\"async\" src=\"https:\/\/maomaochia.com\/zh\/wp-content\/uploads\/sites\/3\/2023\/08\/webdev-book-ver-min.png\" title=\"webdev-book-ver-min\"><\/a><\/div>\n<p>\u94f6\u884c\u8d37\u6b3e\u9700\u8981\u4ec0\u4e48\u6761\u4ef6\uff1f\u6bcf\u6b21\u542c\u5230\u94f6\u884c\u8d37\u6b3e\u4e0d\u6279\uff0c\u88abreject\uff0c\u5934\u75db\uff01\u4eca\u5929\u5c31\u6765\u5e26\u4f60\u4eec\u4e86\u89e3\u9a6c\u6765\u897f\u4e9a\u94f6\u884c\u8d37\u6b3e\u9700\u8981\u4ec0\u4e48\u8d44\u6599\uff0c\u94f6\u884c\u8d37\u6b3e\u9700\u8981\u591a\u4e45\uff0c\u4f60\u6709\u6ca1\u6709\u7b26\u54084\u5927\u94f6\u884c\u8981\u770b\u7684\u6761\u4ef6\u3002<\/p>\n<p><span id=\"more-13760\"><\/span><\/p>\n<h2><span id=\"yin-xing-dai-kuan-xu-yao-shen-me-tiao-jian\">\u94f6\u884c\u8d37\u6b3e\u9700\u8981\u4ec0\u4e48\u6761\u4ef6<\/span><\/h2>\n<p>\u94f6\u884c\u8d37\u6b3e\u9700\u8981\u4ec0\u4e48\u6761\u4ef6\uff1f\u9996\u5148\uff0c\u94f6\u884c\u4f1a\u770b\u7684\u662f\u4f60\u7684\u3010\u8fd8\u6b3e\u80fd\u529b\u3011\uff0c\u7b80\u79f0DSR\uff08Debt Service Ratio\uff09\u3002\u8fd8\u6b3e\u80fd\u529b\u8981\u600e\u4e48\u7b97\uff1f<\/p>\n<p>\u6765\uff0c\u8d1f\u503a\u5360\u4f60\u7684\u51c0\u6536\u5165\u7684\u6bd4\u4f8b\uff0c\u4e0d\u53ef\u4ee5\u8d85\u8fc770%\u3002\u6253\u4e00\u4e2a\u6bd4\u65b9\u4eca\u5929\u4f60\u7684\u6536\u5165\u6263\u9664EPF\uff0c\u62ff\u5230\u624b\u7684Net income\u662fRM5000\uff0c\u90a3\u5982\u679c\u4f60\u73b0\u5728\u6709\u4f9b\u7740\u4e00\u8f86<a href=\"https:\/\/maomaochia.com\/zh\/%e9%a9%ac%e6%9d%a5%e8%a5%bf%e4%ba%9a%e6%b1%bd%e8%bd%a6%e8%b4%b7%e6%ac%be%e5%88%a9%e6%81%af%e6%80%8e%e4%b9%88%e7%ae%97\/\">\u6c7d\u8f66\u8d37\u6b3e\u5229\u606f<\/a>\uff0c\u6bcf\u4e2a\u6708\u8981\u8fd8RM1000\uff0c\u6240\u4ee5\u4f60\u7684DSR\u662f20%\uff081000\/5000 x 100%\uff09\u3002<\/p>\n<div>\n<div class=\"penci-custom-html-inside-content\"><ins class=\"adsbygoogle\" style=\"text-align:center\" data-ad-layout=\"in-article\" data-ad-format=\"fluid\" data-ad-client=\"ca-pub-5714391875552789\" data-ad-slot=\"3533928161\"><\/ins><\/div>\n<\/div>\n<p>20%\u5c5e\u4e8e\u5065\u5eb7\u7684\u72b6\u6001\u54af\uff0c\u90a3\u5982\u679c\u4eca\u5929\u4f60\u7684DSR\u8d85\u8fc770%\u4e86\uff0c\u57fa\u672c\u4e0aloan\u662f\u4e0d\u4f1a\u6279\u7684\u5566\u3002<\/p>\n<p>\u90a3\u6709\u4e9b\u4eba\u5c31\u8bf4\uff0c\u660e\u660eDSR\u6ca1\u6709\u8d85\u8fc770%\uff0c\u4e3a\u4ec0\u4e48\u8fd8\u662f\u4e0d\u6279\uff1f\u60f3\u4e00\u60f3\u4f60\u6709\u6ca1\u6709\u6b20credit card\uff1f\u6709\u6ca1\u6709personal loan\uff1f\u8fd9\u4e9b\u6bcf\u4e2a\u6708\u8981\u507f\u8fd8\u7684minimum amount\u90fd\u662f\u8981\u7b97\u8fdb\u53bbDSR\u7684\uff01<\/p>\n<div style=\"margin: 8px auto;text-align: center;clear: both\">\n<div class=\"adofl-label\">Advertisement<\/div>\n<p><a href=\"https:\/\/maomaochia.com\/p\/webdev?utm_source=maomaochia&amp;utm_medium=banner_content&amp;utm_campaign=d01\" target=\"_blank\" rel=\"noopener\"> <img decoding=\"async\" src=\"https:\/\/maomaochia.com\/zh\/wp-content\/uploads\/sites\/3\/2023\/08\/webcourse-ads1.png\" title=\"webcourse-ads1\"><\/a><\/div>\n<p>\u00a0<\/p>\n<div id=\"attachment_13765\" style=\"width: 610px\" class=\"wp-caption alignnone\"> <img decoding=\"async\" aria-describedby=\"caption-attachment-13765\" loading=\"lazy\" class=\"wp-image-13765 size-full\" src=\"https:\/\/maomaochia.com\/zh\/wp-content\/uploads\/sites\/3\/2023\/08\/debt-service-coverage-ratio-formula-min-1.jpg\" alt=\"\u94f6\u884c\u8d37\u6b3e\u9700\u8981\u4ec0\u4e48\u6761\u4ef6\" width=\"600\" height=\"308\" title=\"debt-service-coverage-ratio-formula-min-1\"><\/p>\n<p id=\"caption-attachment-13765\" class=\"wp-caption-text\">\u94f6\u884c\u8d37\u6b3e\u9700\u8981\u4ec0\u4e48\u6761\u4ef6<\/p>\n<\/div>\n<p>\u00a0<\/p>\n<div>\n<div class=\"penci-custom-html-inside-content\"><ins class=\"adsbygoogle\" style=\"text-align:center\" data-ad-layout=\"in-article\" data-ad-format=\"fluid\" data-ad-client=\"ca-pub-5714391875552789\" data-ad-slot=\"3533928161\"><\/ins><\/div>\n<\/div>\n<h2><span id=\"ma-lai-xi-ya-yin-xing-dai-kuan-xu-yao-shen-me-zi-liao\">\u9a6c\u6765\u897f\u4e9a\u94f6\u884c\u8d37\u6b3e\u9700\u8981\u4ec0\u4e48\u8d44\u6599<\/span><\/h2>\n<p>\u9a6c\u6765\u897f\u4e9a\u94f6\u884c\u8d37\u6b3e\u9700\u8981\u4ec0\u4e48\u8d44\u6599\uff1f\u7b2c\u4e8c\u4e2a\u5c31\u662f\uff1a<a href=\"https:\/\/www.moneymoneyhome.my\/ccris-uliko\" rel=\"noopener\" target=\"_blank\">ccris ctos record<\/a>\u3002<\/p>\n<p>ccris\u5c31\u662f\u56fd\u5bb6\u94f6\u884c\u7684\u4e2d\u592e\u4fe1\u8d37\u8bb0\u5f55\uff0c\u4e5f\u5c31\u662f\u4f60\u6709\u6ca1\u6709\u51c6\u65f6\u4f9b\u6b3e\uff0c\u4f60\u7684credit card\u6709\u6ca1\u6709overdue payment\uff0c\u5982\u679c\u4f60\u7684\u8bb0\u5f55\u4e0d\u7f8e\uff0c\u94f6\u884c\u4e00\u822c\u4e0d\u4f1a\u6279\u51c6\u4f60\u7684loan\u4e86\u3002<\/p>\n<p>ctos\u662f\u79c1\u4eba\u7ba1\u7406\u4fe1\u7528\u62a5\u544a\u7684\u4e00\u4e2a\u7cfb\u7edf\uff0c\u8fd9\u4e2actos\u7684\u8bb0\u5f55\u8303\u56f4\u5f88\u5e7f\uff0c\u5305\u62ec\u4f60\u7684\u6b20\u6b3e\uff0c\u4f60\u7684\u8d44\u4ea7\uff0c\u4f60\u6709\u6ca1\u6709\u516c\u53f8\uff0c\u7b80\u5355\u6765\u8bf4\u5c31\u662f\u4f60\u7684\u4fe1\u7528\u80cc\u666f\u3002\u94f6\u884c\u4f1a\u5224\u65ad\u4f60\u662f\u4e0d\u662f\u4e00\u4e2a\u53ef\u9760\u7684\u4eba\u3002<\/p>\n<p>\u94f6\u884c\u8d37\u6b3e\u9700\u8981\u4ec0\u4e48\u6761\u4ef6\uff1fccris ctos record\u8981\u7f8e\u5f88\u91cd\u8981\uff01\uff01<\/p>\n<div>\n<div class=\"penci-custom-html-inside-content\"><ins class=\"adsbygoogle\" style=\"text-align:center\" data-ad-layout=\"in-article\" data-ad-format=\"fluid\" data-ad-client=\"ca-pub-5714391875552789\" data-ad-slot=\"3533928161\"><\/ins><\/div>\n<\/div>\n<ul>\n<li><a href=\"https:\/\/maomaochia.com\/zh\/%e6%9c%80%e6%96%b0maybank2u-%e5%85%a8%e9%83%a8%e6%95%99%e7%a8%8b-%e6%9f%a5%e8%b4%a6-%e8%bd%ac%e8%b4%a6-%e5%85%85%e5%80%bc-%e6%8a%95%e8%b5%84-%e7%90%86%e8%b4%a2\/\">Maybank2U\u6559\u7a0b<\/a><\/li>\n<\/ul>\n<div id=\"attachment_13766\" style=\"width: 610px\" class=\"wp-caption alignnone\"> <img decoding=\"async\" aria-describedby=\"caption-attachment-13766\" loading=\"lazy\" class=\"size-full wp-image-13766\" src=\"https:\/\/maomaochia.com\/zh\/wp-content\/uploads\/sites\/3\/2023\/08\/ccris1-1024x667-min-1.png\" alt=\"\u9a6c\u6765\u897f\u4e9a\u94f6\u884c\u8d37\u6b3e\u9700\u8981\u4ec0\u4e48\u8d44\u6599\" width=\"600\" height=\"391\" title=\"ccris1-1024x667-min-1\"><\/p>\n<p id=\"caption-attachment-13766\" class=\"wp-caption-text\">\u9a6c\u6765\u897f\u4e9a\u94f6\u884c\u8d37\u6b3e\u9700\u8981\u4ec0\u4e48\u8d44\u6599<\/p>\n<\/div>\n<h2><span id=\"yin-xing-dai-kuan-bu-pi\">\u94f6\u884c\u8d37\u6b3e\u4e0d\u6279<\/span><\/h2>\n<p>\u94f6\u884c\u8d37\u6b3e\u4e0d\u6279\uff0c\u8fd8\u6709\u4e00\u4e2a\u539f\u56e0\u5c31\u662f\u770b\u4f60\u7684capital\u3002<\/p>\n<p>\u4eca\u5929\u4f60\u53bb\u4e70\u4e00\u8f86\u8f66\u00b7\uff0c\u4f60\u662f\u501f\u4e86\u591a\u5c11%\u7684loan\uff1f\u662f\u5426\u6709\u653edeposit\uff0c\u591a\u5c11\u7684deposit\uff1fok\u8fd9\u4e9b\u94f6\u884c\u4f1a\u6765\u5224\u65ad\u3002\u5fc5\u8981\u4e4b\u65f6\uff0c\u94f6\u884c\u4f1a\u8981\u6c42\u770b\u4f60\u7684\u94f6\u884cbank statement\uff0c\u5b58\u6b3e\u91d1\u989d\uff0c\u6709\u53ef\u80fd\u8ba9\u4f60\u63d0\u9ad8\u4f60\u7684deposit\u3002<\/p>\n<p>\u94f6\u884c\u8d37\u6b3e\u9700\u8981\u4ec0\u4e48\u6761\u4ef6\uff1f\u8981\u8bc1\u660e\u4f60\u7684\u5b58\u6b3e\u91d1\u989d\u3002<\/p>\n<ul>\n<li><a href=\"https:\/\/maomaochia.com\/zh\/public-bank-online%e8%bd%ac%e8%b4%a6-%e6%80%8e%e6%a0%b7%e6%b1%87%e6%ac%be\/\">\u5982\u4f55\u901a\u8fc7pulbicbank\u8f6c\u8d26\uff1f<\/a><\/li>\n<\/ul>\n<div id=\"attachment_13764\" style=\"width: 610px\" class=\"wp-caption alignnone\"> <img decoding=\"async\" aria-describedby=\"caption-attachment-13764\" loading=\"lazy\" class=\"size-full wp-image-13764\" src=\"https:\/\/maomaochia.com\/zh\/wp-content\/uploads\/sites\/3\/2023\/08\/house-down-payment-in-malaysia-min-1.jpg\" alt=\"\u94f6\u884c\u8d37\u6b3e\u4e0d\u6279\" width=\"600\" height=\"314\" title=\"house-down-payment-in-malaysia-min-1\"><\/p>\n<p id=\"caption-attachment-13764\" class=\"wp-caption-text\">\u94f6\u884c\u8d37\u6b3e\u4e0d\u6279<\/p>\n<\/div>\n<h2><span id=\"yin-xing-dai-kuan-xu-yao-duo-jiu\">\u94f6\u884c\u8d37\u6b3e\u9700\u8981\u591a\u4e45<\/span><\/h2>\n<p>\u94f6\u884c\u8d37\u6b3e\u9700\u8981\u591a\u4e45\uff1f\u901a\u5e38\u53ea\u8981\u4f60\u7684condition\u548c\u4e0a\u9762\u7684\u8d44\u6599\u9f50\u5168\u7684\u8bdd\uff0c\u5c31\u6ca1\u6709\u4ec0\u4e48\u5927\u95ee\u9898\u3002<\/p>\n<div>\n<div class=\"penci-custom-html-inside-content\"><ins class=\"adsbygoogle\" style=\"text-align:center\" data-ad-layout=\"in-article\" data-ad-format=\"fluid\" data-ad-client=\"ca-pub-5714391875552789\" data-ad-slot=\"3533928161\"><\/ins><\/div>\n<\/div>\n<p>condtion\u662f\u6307\u4ec0\u4e48\uff1f\u4f8b\u5982\uff1a\u5e74\u7eaa\uff0c\u804c\u4e1a\u7b49\u7b49\u3002<\/p>\n<p>\u90a3\u5982\u679c\u4f60\u4eca\u5929\u662f\u81ea\u96c7\u4eba\u58eb\uff0c\u7136\u540e\u4f60\u7684\u6536\u5165\u90fd\u662f\u62ffcash\u7684\uff0c\u6ca1\u6709bank transaction\uff0c\u4e5f\u6ca1\u6709\u62a5\u7a0e\uff0c\u6ca1\u6709epf\uff0c\u8fd9\u6837\u4f60\u7684\u5de5\u4f5c\u6027\u8d28\u5c31\u8ba9\u94f6\u884c\u6ca1\u6709\u4fe1\u4efb\u5ea6\uff0c\u6bd5\u7adf\u53e3\u8bf4\u65e0\u51ed\u3002<\/p>\n<p>\u94f6\u884c\u8d37\u6b3e\u9700\u8981\u4ec0\u4e48\u6761\u4ef6\uff1f\u5047\u8bbe\u4e00\u4f4d25\u5c81\u7684\u5e74\u8f7b\u4eba\u548c\u4e00\u4f4d50\u5c81\u7684\u8001\u5e74\u4eba\uff0c\u6536\u5165\u90fd\u662fRM5000\/month\uff0c\u90a3\u94f6\u884c\u80af\u5b9a\u4f1a\u6bd4\u8f83\u4e50\u610f\u6279\u8d37\u6b3e\u7ed925\u5c81\u7684\u5e74\u8f7b\u4eba\u3002<\/p>\n<div id=\"attachment_13763\" style=\"width: 610px\" class=\"wp-caption alignnone\"> <img decoding=\"async\" aria-describedby=\"caption-attachment-13763\" loading=\"lazy\" class=\"size-full wp-image-13763\" src=\"https:\/\/maomaochia.com\/zh\/wp-content\/uploads\/sites\/3\/2023\/08\/why-loan-application-rejected-min-1.jpg\" alt=\"\u94f6\u884c\u8d37\u6b3e\u9700\u8981\u591a\u4e45\" width=\"600\" height=\"402\" title=\"why-loan-application-rejected-min-1\"><\/p>\n<p id=\"caption-attachment-13763\" class=\"wp-caption-text\">\u94f6\u884c\u8d37\u6b3e\u9700\u8981\u591a\u4e45<\/p>\n<\/div>\n<h2><span id=\"zong-jie\">\u603b\u7ed3<\/span><\/h2>\n<p>\u94f6\u884c\u8d37\u6b3e\u9700\u8981\u4ec0\u4e48\u6761\u4ef6\uff1f<\/p>\n<div>\n<div class=\"penci-custom-html-inside-content\"><ins class=\"adsbygoogle\" style=\"text-align:center\" data-ad-layout=\"in-article\" data-ad-format=\"fluid\" data-ad-client=\"ca-pub-5714391875552789\" data-ad-slot=\"3533928161\"><\/ins><\/div>\n<\/div>\n<ol>\n<li>DSR\u4e0d\u53ef\u4ee5\u8d85\u8fc770%<\/li>\n<li>ccris ctos record\u8981\u7f8e<\/li>\n<li>capital\u8981\u8db3\u591f<\/li>\n<li>condition\u826f\u597d<\/li>\n<\/ol>\n<p>\u9a6c\u6765\u897f\u4e9a\u94f6\u884c\u8d37\u6b3e\u9700\u8981\u4ec0\u4e48\u8d44\u6599\uff1f<\/p>\n<ol>\n<li>bank statement<\/li>\n<li>epf<\/li>\n<li>income tax<\/li>\n<\/ol>\n<p>\u5982\u94f6\u884c\u8d37\u6b3e\u4e0d\u6279\u80af\u5b9a\u662f\u56e0\u4e3a\u4f60\u6709\u67d0\u4e00\u9879\u8d44\u6599\u6216\u6761\u4ef6\u4e0d\u8db3\u3002\u94f6\u884c\u8d37\u6b3e\u9700\u8981\u591a\u4e45\uff1f\u57fa\u672c\u4e0a\u5982\u679c\u4f60\u7684\u8d44\u6599\u9f50\u5168\uff0c\u5f88\u5feb\u5c31\u4f1aapproved\u4e86\u7684\u3002<\/p>\n<p>\u6bcf\u4e00\u4e2a\u94f6\u884c\u548c\u91d1\u878d\u673a\u6784\u7684\u6761\u4ef6\u90fd\u6709\u4e00\u4e9b\u4e0d\u4e00\u6837\uff0c\u4f46\u5927\u81f4\u4e0a\u8dd1\u4e0d\u6389\u4ee5\u4e0a\u7684\u8fd9\u4e9b\u8d44\u6599\u548c\u6761\u4ef6\u3002<\/p>\n<div class=\"penci-single-link-pages\"><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p><span 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