{"id":5240,"date":"2021-08-17T10:03:42","date_gmt":"2021-08-17T02:03:42","guid":{"rendered":"https:\/\/nanamaacs.shop\/?p=5240"},"modified":"2024-10-23T17:52:52","modified_gmt":"2024-10-23T09:52:52","slug":"annual-percentage-rate","status":"publish","type":"post","link":"https:\/\/nanamaacs.shop\/artical\/annual-percentage-rate\/","title":{"rendered":"APR\u7e3d\u8cbb\u7528\u5e74\u767e\u5206\u7387\u662f\u4ec0\u9ebc\uff1f4\u5927\u91cd\u9ede\u7533\u8cb8\u524d\u5fc5\u77e5\uff01"},"content":{"rendered":"\n<p>\u7533\u8fa6\u8cb8\u6b3e\u6642\uff0c\u9664\u4e86\u6bd4\u8f03\u5404\u9280\u884c\u65b9\u6848\u7684\u8cb8\u6b3e\u5229\u7387\u5916\uff0c\u4f60\u662f\u5426\u4e5f\u7559\u610f\u904eAPR\u7e3d\u8cbb\u7528\u5e74\u767e\u5206\u7387\u5462\uff1fAPR\u7e3d\u8cbb\u7528\u5e74\u767e\u5206\u7387\u662f\u4ec0\u9ebc\uff1f\u5982\u4f55\u8a66\u7b97\uff1f\u4ee5\u4e0b\u5c31\u8b93<strong>\u8cb8\u6b3e\u5c31\u627e\u6211<\/strong>\u5e36\u4f60\u4e00\u8d77\u4e86\u89e3\u5427\uff01<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_72 counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">\u5167\u5bb9\u76ee\u9304<\/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: #595959;color:#595959\" 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: #595959;color:#595959\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" 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href=\"https:\/\/nanamaacs.shop\/artical\/annual-percentage-rate\/#%E7%B8%BD%E8%B2%BB%E7%94%A8%E5%B9%B4%E7%99%BE%E5%88%86%E7%8E%87%E6%80%8E%E9%BA%BC%E7%9C%8B%EF%BC%9F\" title=\"\u7e3d\u8cbb\u7528\u5e74\u767e\u5206\u7387\u600e\u9ebc\u770b\uff1f\">\u7e3d\u8cbb\u7528\u5e74\u767e\u5206\u7387\u600e\u9ebc\u770b\uff1f<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/nanamaacs.shop\/artical\/annual-percentage-rate\/#%E7%B8%BD%E8%B2%BB%E7%94%A8%E5%B9%B4%E7%99%BE%E5%88%86%E7%8E%87%E8%A8%88%E7%AE%97%E9%A0%85%E7%9B%AE%E6%9C%89%E5%93%AA%E4%BA%9B%EF%BC%9F\" title=\"\u7e3d\u8cbb\u7528\u5e74\u767e\u5206\u7387\u8a08\u7b97\u9805\u76ee\u6709\u54ea\u4e9b\uff1f\">\u7e3d\u8cbb\u7528\u5e74\u767e\u5206\u7387\u8a08\u7b97\u9805\u76ee\u6709\u54ea\u4e9b\uff1f<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/nanamaacs.shop\/artical\/annual-percentage-rate\/#%E7%B8%BD%E8%B2%BB%E7%94%A8%E5%B9%B4%E7%99%BE%E5%88%86%E7%8E%87%E5%B8%B8%E8%A6%8B%E5%95%8F%E9%A1%8C\" title=\"\u7e3d\u8cbb\u7528\u5e74\u767e\u5206\u7387\u5e38\u898b\u554f\u984c\">\u7e3d\u8cbb\u7528\u5e74\u767e\u5206\u7387\u5e38\u898b\u554f\u984c<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/nanamaacs.shop\/artical\/annual-percentage-rate\/#%E7%B5%90%E8%AA%9E\" title=\"\u7d50\u8a9e\">\u7d50\u8a9e<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading h222\"><span class=\"ez-toc-section\" id=\"%E7%B8%BD%E8%B2%BB%E7%94%A8%E5%B9%B4%E7%99%BE%E5%88%86%E7%8E%87%E6%84%8F%E6%80%9D%E6%98%AF%E4%BB%80%E9%BA%BC%EF%BC%9F\"><\/span>\u7e3d\u8cbb\u7528\u5e74\u767e\u5206\u7387\u610f\u601d\u662f\u4ec0\u9ebc\uff1f<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u7e3d\u8cbb\u7528\u5e74\u767e\u5206\u7387\uff0c\u7c21\u7a31APR\uff08Annual Percentage Rate\uff09\uff0c\u610f\u601d\u662f\u6307<span class=\"point\">\u5c07\u8cb8\u6b3e\u671f\u9593\u9700\u7e73\u7d0d\u7684\u6240\u6709\u8cbb\u7528\uff08\u5305\u542b\u624b\u7e8c\u8cbb\u3001\u5e33\u7ba1\u8cbb\u7b49\uff09\u52a0\u7e3d\uff0c\u4e26\u5e73\u5747\u5206\u6524\u5728\u8cb8\u6b3e\u671f\u9593\u8a08\u7b97\u5f8c\u6240\u5f97\u7684\u5229\u7387<\/span>\uff0c\u53ef\u53cd\u6620\u8cb8\u6b3e\u300c\u5be6\u969b\u9700\u8ca0\u64d4\u7684\u6210\u672c\u300d\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading h222\"><span class=\"ez-toc-section\" id=\"%E7%B8%BD%E8%B2%BB%E7%94%A8%E5%B9%B4%E7%99%BE%E5%88%86%E7%8E%87%E6%80%8E%E9%BA%BC%E7%9C%8B%EF%BC%9F\"><\/span>\u7e3d\u8cbb\u7528\u5e74\u767e\u5206\u7387\u600e\u9ebc\u770b\uff1f<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u5f88\u591a\u9280\u884c\u8cb8\u6b3e\u6703\u63a1\u7528\u5206\u6bb5\u5f0f\u5229\u7387\uff0c\u4ee5\u7b2c1\u671f\u5229\u7387\u6700\u4f4e0.01%\u8d77\u7b49\u512a\u60e0\u5438\u5f15\u4f60\u524d\u53bb\u7533\u8fa6\uff0c\u4f46\u662f\u7b2c2\u671f\u5f8c\u5c31\u56de\u5fa9\u8f03\u9ad8\u5229\u7387\u4f86\u7dad\u6301\u5e73\u8861\uff0c\u56e0\u6b64\uff0c<span class=\"point\">\u7533\u8fa6\u8cb8\u6b3e\u6642\u9700\u4ee5\u7e3d\u8cbb\u7528\u5e74\u767e\u5206\u7387\u4f5c\u70ba\u9078\u64c7\u6a19\u6e96\uff0c\u624d\u80fd\u78ba\u8a8d\u6574\u500b\u8cb8\u6b3e\u671f\u9593\u7684\u5be6\u969b\u652f\u51fa\u6210\u672c<\/span>\u3002\u4ee5\u4e0b<strong>\u8cb8\u6b3e\u5c31\u627e\u6211<\/strong>\u82092\u5bb6\u4fe1\u8cb8\u8cb8\u6b3e\u91d1\u984d30\u842c\uff0c\u8cb8\u6b3e\u671f\u95935\u5e74\uff0c\u4f46\u624b\u7e8c\u8cbb\u548c\u8cb8\u6b3e\u5229\u7387\u7686\u4e0d\u540c\u7684\u9280\u884c\u70ba\u4f8b\u8aaa\u660e\uff1a<\/p>\n\n\n\n<table>\n<tbody>\n<tr>\n<th bgcolor=\"#7cb518\" width=\"33%\" style=\"color:#ffffff;vertical-align: middle;text-align:center\">\u9280\u884c<\/th>\n<th bgcolor=\"#7cb518\" width=\"33%\" style=\"color:#ffffff;vertical-align: middle;text-align:center\">\u8cb8\u6b3e\u5229\u7387<\/th>\n<th bgcolor=\"#7cb518\" width=\"33%\" style=\"color:#ffffff;vertical-align: middle;text-align:center\">\u624b\u7e8c\u8cbb<\/th>\n<\/tr>\n<tr>\n<th style=\"vertical-align: middle;text-align:center\">A\u9280\u884c<\/th>\n<td style=\"vertical-align:middle;text-align: center\">2.88%<\/td>\n<td style=\"vertical-align: middle;text-align:center\">9000\u5143<\/td>\n<\/tr>\n<tr>\n<th style=\"vertical-align: middle;text-align:center\">B\u9280\u884c<\/th>\n<td style=\"vertical-align: middle;text-align:center\">3.02%<\/td>\n<td style=\"vertical-align: middle;text-align:center\">7000\u5143<\/td>\n<\/tr>\n\n<\/tbody>\n<\/table>\n\n\n\n<p>\u53ea\u770b\u8cb8\u6b3e\u5229\u7387\u7684\u8a71\uff0c\u5f88\u591a\u4eba\u6703\u8a8d\u70ba\u5411A\u9280\u884c\u8cb8\u6b3e\u6bd4\u8f03\u5212\u7b97\uff0c\u4f46\u52a0\u4e0a\u5fc5\u9808\u652f\u4ed8\u7684\u624b\u7e8c\u8cbb\u5f8c\u6703\u4e00\u6a23\u55ce\uff1f\u9019\u6642\u5019\u5c31\u5f97\u4ee5\u7e3d\u8cbb\u7528\u5e74\u767e\u5206\u7387\u4f86\u5224\u65b7\uff1a<\/p>\n\n\n\n<table>\n<tbody>\n<tr>\n<th bgcolor=\"#7cb518\" width=\"25%\" style=\"color:#ffffff;vertical-align: middle;text-align:center\">\u9280\u884c<\/th>\n<th bgcolor=\"#7cb518\" width=\"25%\" style=\"color:#ffffff;vertical-align: middle;text-align:center\">\u8cb8\u6b3e\u5229\u7387<\/th>\n<th bgcolor=\"#7cb518\" width=\"25%\" style=\"color:#ffffff;vertical-align: middle;text-align:center\">\u624b\u7e8c\u8cbb<\/th>\n<th bgcolor=\"#7cb518\" width=\"25%\" style=\"color:#ffffff;vertical-align: middle;text-align:center\">\u7e3d\u8cbb\u7528\u5e74\u767e\u5206\u7387<\/th>\n<\/tr>\n<tr>\n<th style=\"vertical-align: middle;text-align:center\">A\u9280\u884c<\/th>\n<td style=\"vertical-align:middle;text-align: center\">2.88%<\/td>\n<td style=\"vertical-align: middle;text-align:center\">9000\u5143<\/td>\n<td style=\"vertical-align: middle;text-align:center\">4.02%<\/td>\n<\/tr>\n<tr>\n<th style=\"vertical-align: middle;text-align:center\">B\u9280\u884c<\/th>\n<td style=\"vertical-align: middle;text-align:center\">3.02%<\/td>\n<td style=\"vertical-align: middle;text-align:center\">7000\u5143<\/td>\n<td style=\"vertical-align: middle;text-align:center\">3.98%<\/td>\n<\/tr>\n\n<\/tbody>\n<\/table>\n\n\n\n<p>\u7531\u4ee5\u4e0a\u8868\u683c\u4f86\u770b\uff0c\u96d6\u7136A\u9280\u884c\u5229\u7387\u8f03\u4f4e\uff0c\u4f46\u52a0\u4e0a\u624b\u7e8c\u8cbb\u5747\u6524\u5f8c\u5f97\u51fa\u7684\u7e3d\u8cbb\u7528\u5e74\u767e\u5206\u7387\u53ef\u77e5\uff0cB\u9280\u884c\u4fe1\u8cb8\u65b9\u6848\u76f8\u6bd4A\u9280\u884c\u662f\u66f4\u70ba\u5212\u7b97\u7684\u3002<\/p>\n\n\n\n<p class=\"has-background\" style=\"background-color:#eeeeee\">\u203b\u8cbc\u5fc3\u63d0\u9192\uff1a\u82e5\u8cb8\u6b3e\u524d\u60f3\u5148\u4ee5\u9810\u4f30\u91d1\u984d\u548c\u5229\u7387\u7b49\u689d\u4ef6\u4f86\u9032\u884c\u7e3d\u8cbb\u7528\u5e74\u767e\u5206\u7387\u8a66\u7b97\uff0c\u53ef\u81f3\u91d1\u7ba1\u6703\u63d0\u4f9b\u7684<a href=\"https:\/\/moneywise.fsc.gov.tw\/tabf\/main\/tool2.html\" target=\"_blank\" rel=\"noreferrer noopener\">\u91d1\u878d\u8a66\u7b97\u5de5\u5177<\/a>\u7db2\u9801\u6216\u5404\u9280\u884c\u5b98\u7db2\u7dda\u4e0a\u8a66\u7b97\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading h222\"><span class=\"ez-toc-section\" id=\"%E7%B8%BD%E8%B2%BB%E7%94%A8%E5%B9%B4%E7%99%BE%E5%88%86%E7%8E%87%E8%A8%88%E7%AE%97%E9%A0%85%E7%9B%AE%E6%9C%89%E5%93%AA%E4%BA%9B%EF%BC%9F\"><\/span>\u7e3d\u8cbb\u7528\u5e74\u767e\u5206\u7387\u8a08\u7b97\u9805\u76ee\u6709\u54ea\u4e9b\uff1f<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u7e3d\u8cbb\u7528\u5e74\u767e\u5206\u7387\u5305\u542b\u4ee5\u4e0b4\u7a2e\u8a08\u7b97\u56e0\u7d20\uff1a<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>\u8cb8\u6b3e\u5229\u7387<\/strong>\uff1a\u4f9d\u9280\u884c\u65b9\u6848\u6c7a\u5b9a\uff0c<span class=\"point\">\u5206\u70ba\u4e00\u6bb5\u5f0f\u6216\u5206\u6bb5\u5f0f2\u7a2e\u4e0d\u540c\u8a08\u606f\u65b9\u6cd5<\/span>\u3002<\/li>\n\n\n\n<li><strong>\u8cb8\u6b3e\u984d\u5ea6<\/strong>\uff1a\u82e5\u8cb8\u6b3e\u5229\u7387\u3001\u624b\u7e8c\u8cbb\u3001\u8cb8\u6b3e\u671f\u9593\u7b49\u8cb8\u6b3e\u5167\u5bb9\u7686\u76f8\u540c\uff0c<span class=\"point\">\u8cb8\u6b3e\u984d\u5ea6\u8d8a\u9ad8\uff0cAPR\u5c31\u8d8a\u4f4e<\/span>\u3002<\/li>\n\n\n\n<li><strong>\u8cb8\u6b3e\u671f\u9593<\/strong>\uff1a\u82e5\u8cb8\u6b3e\u5229\u7387\u548c\u984d\u5ea6\u3001\u624b\u7e8c\u8cbb\u7b49\u8cb8\u6b3e\u5167\u5bb9\u7686\u76f8\u540c\uff0c<span class=\"point\">\u8cb8\u6b3e\u671f\u9593\u8d8a\u9577\uff0cAPR\u5c31\u8d8a\u4f4e<\/span>\u3002<\/li>\n\n\n\n<li><strong>\u76f8\u95dc\u624b\u7e8c\u8cbb<\/strong>\uff1a\u5305\u542b\u958b\u8fa6\u8cbb\u3001\u5e33\u52d9\u7ba1\u7406\u8cbb\u548c\u9280\u884c\u67e5\u8a62\u806f\u5fb5\u6642\u6536\u53d6\u7684\u5fb5\u4fe1\u8cbb\u7b49\u5fc5\u8981\u624b\u7e8c\u8cbb\u3002<\/li>\n<\/ol>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"1001\" height=\"696\" src=\"https:\/\/nanamaacs.shop\/wp-content\/uploads\/2021\/08\/\u7e3d\u8cbb\u7528\u5e74\u767e\u5206\u7387\u8a08\u7b97\u9805\u76ee\u3010\u8cb8\u6b3e\u5c31\u627e\u6211\u3011.png\" alt=\"\u7e3d\u8cbb\u7528\u5e74\u767e\u5206\u7387\u8a08\u7b97\u9805\u76ee\u3010\u8cb8\u6b3e\u5c31\u627e\u6211\u3011\" class=\"wp-image-17179\" srcset=\"https:\/\/nanamaacs.shop\/wp-content\/uploads\/2021\/08\/\u7e3d\u8cbb\u7528\u5e74\u767e\u5206\u7387\u8a08\u7b97\u9805\u76ee\u3010\u8cb8\u6b3e\u5c31\u627e\u6211\u3011.png 1001w, https:\/\/nanamaacs.shop\/wp-content\/uploads\/2021\/08\/\u7e3d\u8cbb\u7528\u5e74\u767e\u5206\u7387\u8a08\u7b97\u9805\u76ee\u3010\u8cb8\u6b3e\u5c31\u627e\u6211\u3011-300x209.png 300w, https:\/\/nanamaacs.shop\/wp-content\/uploads\/2021\/08\/\u7e3d\u8cbb\u7528\u5e74\u767e\u5206\u7387\u8a08\u7b97\u9805\u76ee\u3010\u8cb8\u6b3e\u5c31\u627e\u6211\u3011-768x534.png 768w\" sizes=\"(max-width: 1001px) 100vw, 1001px\" \/><\/figure>\n\n\n\n<p class=\"has-background\" style=\"background-color:#eeeeee\">\u203b\u8cbc\u5fc3\u63d0\u9192\uff1a\u7e3d\u8cbb\u7528\u5e74\u767e\u5206\u7387\u4e0d\u5305\u542b\u4ee3\u66f8\u8cbb\u3001\u4fdd\u96aa\u8cbb\u548c\u63d0\u524d\u9084\u6b3e\u9055\u7d04\u91d1\u3001\u903e\u671f\u9084\u6b3e\u9055\u7d04\u91d1\u7b49\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading h222\"><span class=\"ez-toc-section\" id=\"%E7%B8%BD%E8%B2%BB%E7%94%A8%E5%B9%B4%E7%99%BE%E5%88%86%E7%8E%87%E5%B8%B8%E8%A6%8B%E5%95%8F%E9%A1%8C\"><\/span>\u7e3d\u8cbb\u7528\u5e74\u767e\u5206\u7387\u5e38\u898b\u554f\u984c<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-31\"><strong class=\"schema-faq-question\">Q. \u7e3d\u8cbb\u7528\u5e74\u767e\u5206\u7387\u6ce8\u610f\u4e8b\u9805\uff1f<\/strong> <p class=\"schema-faq-answer\"><span 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src=\"https:\/\/nanamaacs.shop\/wp-content\/uploads\/2021\/01\/contact.png\" alt=\"\u6d3d\u8a62\"> \u586b\u5beb<a href=\"https:\/\/nanamaacs.shop\/contact\/#online\" target=\"_blank\" rel=\"noreferrer noopener\">\u7dda\u4e0a\u7533\u8fa6\u8868\u55ae<\/a>\uff0c\u7531\u5c08\u4eba\u8207\u60a8\u806f\u7e6b<\/p>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<\/div><\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u7533\u8fa6\u8cb8\u6b3e\u6642\uff0c\u9664\u4e86\u6bd4\u8f03\u5404\u9280\u884c\u65b9\u6848\u7684\u8cb8\u6b3e\u5229\u7387\u5916\uff0c\u4f60\u662f\u5426\u4e5f\u7559\u610f\u904eAPR\u7e3d\u8cbb\u7528\u5e74\u767e\u5206\u7387\u5462&#8230; <a class=\"di-continue-reading\" href=\"https:\/\/nanamaacs.shop\/artical\/annual-percentage-rate\/\"> 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