{"id":8,"date":"2026-04-25T04:43:48","date_gmt":"2026-04-25T04:43:48","guid":{"rendered":"https:\/\/investimes.com.tw\/investimes\/?p=8"},"modified":"2026-05-07T21:05:11","modified_gmt":"2026-05-07T21:05:11","slug":"low-rate-creditloan","status":"publish","type":"post","link":"https:\/\/investimes.com.tw\/investimes\/low-rate-creditloan\/","title":{"rendered":"\u5982\u4f55\u5229\u7528\u4f4e\u5229\u4fe1\u8cb8\u9032\u884c\u8cc7\u7522\u914d\u7f6e\u8207\u532f\u7387\u5957\u5229"},"content":{"rendered":"<h1 data-path-to-node=\"2\">\ud83d\udcb0 \u4fe1\u7528\u8cb8\u6b3e\u7406\u8ca1\u5168\u653b\u7565\uff1a\u5982\u4f55\u5229\u7528\u4f4e\u5229\u4fe1\u8cb8\u9032\u884c\u8cc7\u7522\u914d\u7f6e\u8207\u532f\u7387\u5957\u5229\uff1f<\/h1>\n<p data-path-to-node=\"3\">\u5728\u4f4e\u5229\u74b0\u5883\u6216\u6295\u8cc7\u6a5f\u6703\u51fa\u73fe\u6642\uff0c\u300c\u4fe1\u7528\u8cb8\u6b3e\u300d\u4e0d\u518d\u50c5\u662f\u70ba\u4e86\u61c9\u6025\uff0c\u66f4\u591a\u8070\u660e\u7684\u6295\u8cc7\u8005\u5c07\u5176\u8996\u70ba\u4e00\u7a2e<b data-path-to-node=\"3\" data-index-in-node=\"43\">\u8ca1\u52d9\u69d3\u687f\u5de5\u5177<\/b>\u3002\u900f\u904e\u5408\u7406\u7684\u5229\u5dee\u8a08\u7b97\u8207\u532f\u7387\u64cd\u4f5c\uff0c\u4fe1\u8cb8\u80fd\u6709\u6548\u653e\u5927\u4f60\u7684\u6295\u8cc7\u5831\u916c\u7387\u3002<\/p>\n<p data-path-to-node=\"4\">\u672c\u6587\u5c07\u6df1\u5165\u63a2\u8a0e\u5982\u4f55\u904b\u7528\u4fe1\u8cb8\u9032\u884c\u7406\u8ca1\u3001\u532f\u7387\u64cd\u4f5c\u7684\u7b56\u7565\uff0c\u4ee5\u53ca\u6700\u91cd\u8981\u7684\u98a8\u96aa\u63a7\u7ba1\u539f\u5247\u3002<\/p>\n<hr data-path-to-node=\"5\" \/>\n<h2 data-path-to-node=\"6\">### \u4e00\u3001 <a href=\"https:\/\/www.cosmosbank.com.tw\">\u4fe1\u8cb8\u7406\u8ca1\u7684\u6838\u5fc3\u908f\u8f2f\uff1a\u4ec0\u9ebc\u662f\u300c\u5229\u5dee\u5957\u5229<\/a>\u300d\uff1f<\/h2>\n<p data-path-to-node=\"7\">\u4fe1\u7528\u8cb8\u6b3e\u7406\u8ca1\u7684\u6210\u529f\u95dc\u9375\u5728\u65bc <b data-path-to-node=\"7\" data-index-in-node=\"14\">\u300c\u6295\u8cc7\u5831\u916c\u7387 (ROI) &gt; \u4fe1\u8cb8\u5be6\u8cea\u5e74\u767e\u5206\u7387 (APR)\u300d<\/b>\u3002<\/p>\n<ul data-path-to-node=\"8\">\n<li>\n<p data-path-to-node=\"8,0,0\"><b data-path-to-node=\"8,0,0\" data-index-in-node=\"0\">\u4fe1\u8cb8\u6210\u672c\uff1a<\/b> \u5305\u542b\u9280\u884c\u5229\u7387\u3001\u958b\u8fa6\u8cbb\u3001\u5e33\u7ba1\u8cbb\u3002\u76ee\u524d\u512a\u8cea\u5ba2\u6236\uff08\u5982\u516c\u52d9\u54e1\u3001\u5927\u4f01\u696d\u54e1\u5de5\uff09\u6709\u6a5f\u6703\u53d6\u5f97 <span class=\"math-inline\" data-math=\"2\\% \\sim 3.5\\%\" data-index-in-node=\"45\">$2\\% \\sim 3.5\\%$<\/span> \u5de6\u53f3\u7684\u5229\u7387\u3002<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"8,1,0\"><b data-path-to-node=\"8,1,0\" data-index-in-node=\"0\">\u7406\u8ca1\u76ee\u6a19\uff1a<\/b> \u5c0b\u627e\u9810\u671f\u6536\u76ca\u7a69\u5b9a\u9ad8\u65bc\u8cb8\u6b3e\u6210\u672c\u7684\u6a19\u7684\uff0c\u5982\u9ad8\u80a1\u606f ETF\u3001\u7a69\u5b9a\u914d\u606f\u50b5\u5238\u6216\u532f\u7387\u5229\u5dee\u3002<\/p>\n<\/li>\n<\/ul>\n<hr data-path-to-node=\"9\" \/>\n<h2 data-path-to-node=\"10\">### \u4e8c\u3001 \u5be6\u6230\u64cd\u4f5c\uff1a<a href=\"https:\/\/www.bestbank.com.tw\">\u5982\u4f55\u904b\u7528\u4fe1\u7528\u8cb8\u6b3e\u9032\u884c\u532f\u7387\u64cd\u4f5c<\/a>\uff1f<\/h2>\n<p data-path-to-node=\"11\">\u532f\u7387\u64cd\u4f5c\u4e3b\u8981\u5206\u70ba\u300c\u5229\u5dee\u300d\u8207\u300c\u50f9\u5dee\u300d\u5169\u90e8\u5206\uff0c\u5e38\u898b\u7684\u7b56\u7565\u5305\u62ec\uff1a<\/p>\n<h3 data-path-to-node=\"12\">1. \u63db\u532f\u5957\u5229\uff08Carry Trade\uff09<\/h3>\n<p data-path-to-node=\"13\">\u7576\u53f0\u7063\u5229\u7387\u8f03\u4f4e\uff0c\u800c\u5916\u5e63\uff08\u5982\u7f8e\u91d1\u3001\u6fb3\u5e63\uff09\u5229\u7387\u8f03\u9ad8\u6642\uff0c\u6295\u8cc7\u4eba\u501f\u5165\u53f0\u5e63\u4fe1\u8cb8\uff0c\u8f49\u5165\u9ad8\u5229\u7387\u5916\u5e63\u5b9a\u5b58\u6216\u8ca8\u5e63\u5e02\u5834\u57fa\u91d1\u3002<\/p>\n<blockquote data-path-to-node=\"14\">\n<p data-path-to-node=\"14,0\"><b data-path-to-node=\"14,0\" data-index-in-node=\"0\">\u516c\u5f0f\uff1a<\/b> <span class=\"math-inline\" data-math=\"\u5916\u5e63\u5b9a\u5b58\u5229\u7387 - \u53f0\u5e63\u4fe1\u8cb8\u5229\u7387 = \u6de8\u6536\u76ca\" data-index-in-node=\"4\">$\u5916\u5e63\u5b9a\u5b58\u5229\u7387 &#8211; \u53f0\u5e63\u4fe1\u8cb8\u5229\u7387 = \u6de8\u6536\u76ca$<\/span><\/p>\n<\/blockquote>\n<h3 data-path-to-node=\"15\">2. \u6ce2\u6bb5\u532f\u5dee\u64cd\u4f5c<\/h3>\n<p data-path-to-node=\"16\">\u5728\u9810\u671f\u67d0\u7a2e\u8ca8\u5e63\u5f37\u52e2\uff08\u4f8b\u5982\u7f8e\u91d1\u8dcc\u81f3\u76f8\u5c0d\u4f4e\u9ede\uff09\u6642\uff0c\u5229\u7528\u4fe1\u8cb8\u8cc7\u91d1\u5927\u984d\u63db\u532f\uff0c\u5f85\u532f\u7387\u56de\u5347\u5f8c\u63db\u56de\u53f0\u5e63\u3002\u9019\u7a2e\u65b9\u5f0f\u9069\u5408\u8cc7\u91d1\u5468\u8f49\u901f\u5ea6\u5feb\u3001\u5c0d\u570b\u969b\u653f\u7d93\u60c5\u52e2\u6709\u5224\u65b7\u80fd\u529b\u7684\u6295\u8cc7\u4eba\u3002<\/p>\n<h3 data-path-to-node=\"17\">3. \u642d\u914d\u6d77\u5916\u8cc7\u7522\u914d\u7f6e<\/h3>\n<p data-path-to-node=\"18\">\u5c07\u4fe1\u8cb8\u8cc7\u91d1\u63db\u6210\u7f8e\u91d1\u5f8c\uff0c\u6295\u5165\u7f8e\u80a1\u5927\u76e4 ETF\uff08\u5982 VOO\u3001VTI\uff09\u6216\u7f8e\u570b\u570b\u50b5\u3002\u9019\u4e0d\u50c5\u80fd\u8cfa\u53d6\u8cc7\u7522\u589e\u503c\uff0c\u9084\u80fd\u5206\u6563\u55ae\u4e00\u8ca8\u5e63\uff08\u53f0\u5e63\uff09\u7684\u8cb6\u503c\u98a8\u96aa\u3002<\/p>\n<hr data-path-to-node=\"19\" \/>\n<h2 data-path-to-node=\"20\">### \u4e09\u3001 <a href=\"https:\/\/www.go2.tw\">\u4fe1\u8cb8\u7406\u8ca1\u7684 3 \u5927\u8a55\u4f30\u6307\u6a19<\/a><\/h2>\n<p data-path-to-node=\"21\">\u5728\u64a5\u6b3e\u6295\u8cc7\u524d\uff0c\u8acb\u52d9\u5fc5\u78ba\u8a8d\u4ee5\u4e0b\u4e09\u500b\u6578\u5b57\uff1a<\/p>\n<ol start=\"1\" data-path-to-node=\"22\">\n<li>\n<p data-path-to-node=\"22,0,0\"><b data-path-to-node=\"22,0,0\" data-index-in-node=\"0\">\u7e3d\u8cbb\u7528\u5e74\u767e\u5206\u7387 (APR)\uff1a<\/b> \u9019\u662f\u5305\u542b\u6240\u6709\u624b\u7e8c\u8cbb\u5f8c\u7684\u771f\u5be6\u6210\u672c\uff0c\u4e0d\u53ef\u53ea\u770b\u5ee3\u544a\u4e0a\u7684\u300c\u9996\u671f\u8d85\u4f4e\u5229\u7387\u300d\u3002<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"22,1,0\"><b data-path-to-node=\"22,1,0\" data-index-in-node=\"0\">\u6536\u652f\u6bd4 (DTI)\uff1a<\/b> \u5efa\u8b70\u6bcf\u6708\u9084\u6b3e\u91d1\u984d\u4e0d\u8d85\u904e\u6708\u6536\u5165\u7684 <b data-path-to-node=\"22,1,0\" data-index-in-node=\"27\">30%<\/b>\uff0c\u78ba\u4fdd\u5373\u4f7f\u6295\u8cc7\u66ab\u6642\u5957\u7262\uff0c\u4f60\u7684\u751f\u6d3b\u4e5f\u4e0d\u53d7\u5f71\u97ff\u3002<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"22,2,0\"><b data-path-to-node=\"22,2,0\" data-index-in-node=\"0\">\u6d41\u52d5\u6027\u6e96\u5099\uff1a<\/b> \u6295\u8cc7\u6a19\u7684\u5fc5\u9808\u5177\u5099\u8b8a\u73fe\u6027\uff08\u5982\u80a1\u7968\u3001\u8ca8\u5e63\uff09\uff0c\u907f\u514d\u8cc7\u91d1\u5361\u5728\u6d41\u52d5\u6027\u5dee\u7684\u8cc7\u7522\uff08\u5982\u623f\u5730\u7522\uff09\u5c0e\u81f4\u9084\u6b3e\u56f0\u96e3\u3002<\/p>\n<\/li>\n<\/ol>\n<hr data-path-to-node=\"23\" \/>\n<h2 data-path-to-node=\"24\">### \u56db\u3001 \u9ad8\u69d3\u687f\u5fc5\u7136\u4f34\u96a8\u9ad8\u98a8\u96aa\uff1a\u4f60\u8a72\u6ce8\u610f\u7684\u4e8b<\/h2>\n<blockquote data-path-to-node=\"25\">\n<p data-path-to-node=\"25,0\"><b data-path-to-node=\"25,0\" data-index-in-node=\"0\">\u300c\u6c34\u80fd\u8f09\u821f\uff0c\u4ea6\u80fd\u8986\u821f\u3002\u300d<\/b> \u904b\u7528\u8cb8\u6b3e\u7406\u8ca1\u524d\uff0c\u8acb\u8861\u91cf\u4ee5\u4e0b\u98a8\u96aa\uff1a<\/p>\n<\/blockquote>\n<ul data-path-to-node=\"26\">\n<li>\n<p data-path-to-node=\"26,0,0\"><b data-path-to-node=\"26,0,0\" data-index-in-node=\"0\">\u532f\u7387\u98a8\u96aa\uff08Currency Risk\uff09\uff1a<\/b> \u9019\u662f\u532f\u7387\u64cd\u4f5c\u6700\u5927\u7684\u8b8a\u6578\u3002\u82e5\u5916\u5e63\u8cb6\u503c\u5e45\u5ea6\u8d85\u904e\u5229\u5dee\uff0c\u53ef\u80fd\u5c0e\u81f4\u300c\u8cfa\u4e86\u5229\u606f\u3001\u8ce0\u4e86\u532f\u5dee\u300d\u3002<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"26,1,0\"><b data-path-to-node=\"26,1,0\" data-index-in-node=\"0\">\u7e2e\u8868\u8207\u5347\u606f\uff1a<\/b> \u82e5\u9280\u884c\u7aef\u5347\u606f\u5c0e\u81f4\u8cb8\u6b3e\u6210\u672c\u4e0a\u5347\uff0c\u6703\u58d3\u7e2e\u4f60\u7684\u7372\u5229\u7a7a\u9593\u3002<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"26,2,0\"><b data-path-to-node=\"26,2,0\" data-index-in-node=\"0\">\u5fc3\u7406\u58d3\u529b\uff1a<\/b> \u501f\u9322\u6295\u8cc7\u8207\u81ea\u6709\u8cc7\u91d1\u6295\u8cc7\u7684\u5fc3\u614b\u5b8c\u5168\u4e0d\u540c\uff0c\u9700\u8a55\u4f30\u81ea\u8eab\u627f\u53d7\u5e02\u5834\u6ce2\u52d5\u7684\u6297\u58d3\u6027\u3002<\/p>\n<\/li>\n<\/ul>\n<hr data-path-to-node=\"27\" \/>\n<h2 data-path-to-node=\"28\">### \u4e94\u3001 \u7d50\u8a9e\uff1a\u7406\u6027\u69d3\u687f\uff0c\u8b93\u8cc7\u7522\u7ffb\u500d<\/h2>\n<p data-path-to-node=\"29\">\u4fe1\u7528\u8cb8\u6b3e\u662f\u4e00\u628a\u96d9\u9762\u5203\uff0c\u904b\u7528\u5f97\u7576\u53ef\u4ee5\u52a0\u901f\u8cc7\u7522\u7d2f\u7a4d\uff0c\u904b\u7528\u4e0d\u7576\u5247\u53ef\u80fd\u80cc\u8ca0\u50b5\u52d9\u58d3\u529b\u3002\u5efa\u8b70\u5148\u5f9e<b data-path-to-node=\"29\" data-index-in-node=\"42\">\u5c0f\u984d\u3001\u7a69\u5b9a\u6536\u76ca<\/b>\u7684\u6a19\u7684\u958b\u59cb\u5617\u8a66\uff0c\u4e26\u59cb\u7d42\u4fdd\u7559\u81f3\u5c11 6 \u500b\u6708\u7684\u7dca\u6025\u9810\u5099\u91d1\u3002<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\ud83d\udcb0 \u4fe1\u7528\u8cb8\u6b3e\u7406\u8ca1\u5168\u653b\u7565\uff1a\u5982\u4f55\u5229\u7528\u4f4e\u5229\u4fe1\u8cb8\u9032\u884c\u8cc7\u7522\u914d\u7f6e\u8207\u532f\u7387\u5957\u5229\uff1f \u5728\u4f4e\u5229\u74b0\u5883\u6216\u6295\u8cc7\u6a5f\u6703\u51fa\u73fe\u6642\uff0c\u300c\u4fe1\u7528\u8cb8\u6b3e\u300d\u4e0d\u518d &hellip; <a href=\"https:\/\/investimes.com.tw\/investimes\/low-rate-creditloan\/\" class=\"more-link\">\u95b1\u8b80\u5168\u6587 <span class=\"screen-reader-text\">\u5982\u4f55\u5229\u7528\u4f4e\u5229\u4fe1\u8cb8\u9032\u884c\u8cc7\u7522\u914d\u7f6e\u8207\u532f\u7387\u5957\u5229<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-8","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"_links":{"self":[{"href":"https:\/\/investimes.com.tw\/investimes\/wp-json\/wp\/v2\/posts\/8","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/investimes.com.tw\/investimes\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/investimes.com.tw\/investimes\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/investimes.com.tw\/investimes\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/investimes.com.tw\/investimes\/wp-json\/wp\/v2\/comments?post=8"}],"version-history":[{"count":4,"href":"https:\/\/investimes.com.tw\/investimes\/wp-json\/wp\/v2\/posts\/8\/revisions"}],"predecessor-version":[{"id":13,"href":"https:\/\/investimes.com.tw\/investimes\/wp-json\/wp\/v2\/posts\/8\/revisions\/13"}],"wp:attachment":[{"href":"https:\/\/investimes.com.tw\/investimes\/wp-json\/wp\/v2\/media?parent=8"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/investimes.com.tw\/investimes\/wp-json\/wp\/v2\/categories?post=8"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/investimes.com.tw\/investimes\/wp-json\/wp\/v2\/tags?post=8"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}