{"id":22154,"date":"2022-02-10T09:14:43","date_gmt":"2022-02-10T01:14:43","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=22154"},"modified":"2025-11-05T18:38:22","modified_gmt":"2025-11-05T10:38:22","slug":"%e5%85%b3%e4%ba%8e%e9%93%b6%e8%a1%8c%e6%8b%96%e8%bd%a6%e7%9a%84%e6%9d%a1%e4%bb%b6%e4%b8%8e%e7%a8%8b%e5%ba%8f","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/%e8%b5%84%e8%ae%af\/%e5%85%b3%e4%ba%8e%e9%93%b6%e8%a1%8c%e6%8b%96%e8%bd%a6%e7%9a%84%e6%9d%a1%e4%bb%b6%e4%b8%8e%e7%a8%8b%e5%ba%8f","title":{"rendered":"\u5173\u4e8e\u94f6\u884c\u62d6\u8f66\u7684\u6761\u4ef6\u4e0e\u7a0b\u5e8f"},"content":{"rendered":"\n<p>\u76f8\u4fe1\u5f88\u591a\u8f66\u4e3b\u90fd\u4f1a\u8ba4\u540c\u201c\u4e70\u8f66\u5bb9\u6613\u4f9b\u8f66\u96be\u201d\u8fd9\u53e5\u8bdd\u3002\u57fa\u4e8e\u6c7d\u8f66\u5e02\u573a\u7ade\u4e89\u5927\uff0c\u6c7d\u8f66\u9500\u552e\u5546\u7eb7\u7eb7\u63a8\u51fa\u5404\u79cd\u4f18\u60e0\uff0c\u6bd4\u5982\u5934\u671f\u53ea\u9700\u4ed8\u51e0\u5343\u4ee4\u5409\uff0c\u6216\u751a\u81f30\u5934\u671f\u5c31\u80fd\u62e5\u6709\u4e00\u8f86\u8f66\u3002<\/p>\n\n\n\n<p>\u7136\u800c\uff0c\u6709\u7684\u4eba\u4e70\u4e86\u8f66\u4ee5\u540e\uff0c\u5374\u56e0\u4e3a\u79cd\u79cd\u539f\u56e0\uff0c\u5c24\u5176\u5728\u8fd9\u4e2a\u75ab\u60c5\u4e25\u91cd\u5f71\u54cd\u7ecf\u6d4e\u7684\u60c5\u51b5\u4e0b\uff0c\u800c\u62d6\u6b20\u51e0\u4e2a\u6708\u7684\u6c7d\u8f66\u8d37\u6b3e\uff0c\u5bfc\u81f4\u8f66\u5b50\u88ab\u94f6\u884c\u62d6\u8d70\u3002<\/p>\n\n\n\n<p>\u6c7d\u8f66\u88ab\u62d6\u8d70\u53ef\u8bf4\u662f\u8f66\u4e3b\u7684\u6076\u68a6\u3002\u6211\u4eec\u5f53\u7136\u5e0c\u671b\u60a8\u6c38\u8fdc\u4e0d\u4f1a\u9677\u5165\u8fd9\u79cd\u5883\u5730\u3002\u56e0\u6b64\u5728\u4e8b\u60c5\u53d1\u751f\u4e4b\u524d\uff0c\u60a8\u5fc5\u987b\u77e5\u9053\u81ea\u5df1\u7684\u6743\u5229\u4ee5\u53ca\u62d6\u8f66\u4e1a\u8005\u7684\u6743\u5229\uff0c\u4ee5\u4fbf\u5c4a\u65f6\u80fd\u66f4\u51b7\u9759\u5730\u5904\u7406\u53ca\u89e3\u51b3\u95ee\u9898\u3002<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_50 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\">Contents =<\/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\" role=\"button\"><label for=\"item-69d7b2894c1de\" aria-hidden=\"true\"><span style=\"display: flex;align-items: center;width: 35px;height: 30px;justify-content: center;direction:ltr;\"><svg style=\"fill: #999999;color:#999999\" 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: #999999;color:#999999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" 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title=\"\u5173\u4e8e\u6c7d\u8f66\u88ab\u94f6\u884c\u62d6\u8d70\u7684\u4e8b\u5b9e\">\u5173\u4e8e\u6c7d\u8f66\u88ab\u94f6\u884c\u62d6\u8d70\u7684\u4e8b\u5b9e<\/a><ul class='ez-toc-list-level-3'><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/bjak.my\/blog\/%e8%b5%84%e8%ae%af\/%e5%85%b3%e4%ba%8e%e9%93%b6%e8%a1%8c%e6%8b%96%e8%bd%a6%e7%9a%84%e6%9d%a1%e4%bb%b6%e4%b8%8e%e7%a8%8b%e5%ba%8f\/#%E6%8B%96%E8%BD%A6%E7%9A%84%E5%9F%BA%E6%9C%AC%E6%9D%A1%E4%BB%B6\" title=\"\u62d6\u8f66\u7684\u57fa\u672c\u6761\u4ef6\">\u62d6\u8f66\u7684\u57fa\u672c\u6761\u4ef6<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/bjak.my\/blog\/%e8%b5%84%e8%ae%af\/%e5%85%b3%e4%ba%8e%e9%93%b6%e8%a1%8c%e6%8b%96%e8%bd%a6%e7%9a%84%e6%9d%a1%e4%bb%b6%e4%b8%8e%e7%a8%8b%e5%ba%8f\/#%E6%8B%96%E8%BD%A6%E5%89%8D%E7%9A%84%E7%A8%8B%E5%BA%8F\" title=\"\u62d6\u8f66\u524d\u7684\u7a0b\u5e8f\">\u62d6\u8f66\u524d\u7684\u7a0b\u5e8f<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/bjak.my\/blog\/%e8%b5%84%e8%ae%af\/%e5%85%b3%e4%ba%8e%e9%93%b6%e8%a1%8c%e6%8b%96%e8%bd%a6%e7%9a%84%e6%9d%a1%e4%bb%b6%e4%b8%8e%e7%a8%8b%e5%ba%8f\/#%E6%8B%96%E8%BD%A6%E8%BF%87%E7%A8%8B%E4%B8%AD%E8%A6%81%E6%B3%A8%E6%84%8F%E7%9A%84%E4%BA%8B%E9%A1%B9\" title=\"\u62d6\u8f66\u8fc7\u7a0b\u4e2d\u8981\u6ce8\u610f\u7684\u4e8b\u9879\">\u62d6\u8f66\u8fc7\u7a0b\u4e2d\u8981\u6ce8\u610f\u7684\u4e8b\u9879<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/bjak.my\/blog\/%e8%b5%84%e8%ae%af\/%e5%85%b3%e4%ba%8e%e9%93%b6%e8%a1%8c%e6%8b%96%e8%bd%a6%e7%9a%84%e6%9d%a1%e4%bb%b6%e4%b8%8e%e7%a8%8b%e5%ba%8f\/#%E8%BD%A6%E5%AD%90%E8%A2%AB%E6%8B%96%E8%B5%B0%E5%90%8E%E7%9A%84%E7%A8%8B%E5%BA%8F\" title=\"\u8f66\u5b50\u88ab\u62d6\u8d70\u540e\u7684\u7a0b\u5e8f\">\u8f66\u5b50\u88ab\u62d6\u8d70\u540e\u7684\u7a0b\u5e8f<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/bjak.my\/blog\/%e8%b5%84%e8%ae%af\/%e5%85%b3%e4%ba%8e%e9%93%b6%e8%a1%8c%e6%8b%96%e8%bd%a6%e7%9a%84%e6%9d%a1%e4%bb%b6%e4%b8%8e%e7%a8%8b%e5%ba%8f\/#%E4%BA%86%E8%A7%A3%E6%82%A8%E7%9A%84%E6%9D%83%E7%9B%8A\" title=\"\u4e86\u89e3\u60a8\u7684\u6743\u76ca\">\u4e86\u89e3\u60a8\u7684\u6743\u76ca<\/a><\/li><\/ul><\/nav><\/div>\n<h2 id=\"\u5173\u4e8e\u6c7d\u8f66\u88ab\u94f6\u884c\u62d6\u8d70\u7684\u4e8b\u5b9e\"><span class=\"ez-toc-section\" id=\"%E5%85%B3%E4%BA%8E%E6%B1%BD%E8%BD%A6%E8%A2%AB%E9%93%B6%E8%A1%8C%E6%8B%96%E8%B5%B0%E7%9A%84%E4%BA%8B%E5%AE%9E\"><\/span>\u5173\u4e8e\u6c7d\u8f66\u88ab\u94f6\u884c\u62d6\u8d70\u7684\u4e8b\u5b9e<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u4ee5\u4e0b\u662f\u60a8\u9700\u8981\u4e86\u89e3\u7684\u6709\u5173\u62d6\u8f66\u7684\u4e00\u4e9b\u4e8b\u5b9e\uff1a<\/p>\n\n\n\n<ol><li>\u5728\u79df\u8d2d\u6cd5\u4ee4\u4e0b\u8d2d\u4e70\u7684\u8f66\u8f86\uff0c\u4e70\u65b9\u4e3a\u201c\u79df\u7528\u8005\u201d\uff0c\u800c\u91d1\u878d\u673a\u6784\u5c5e\u4e8e\u201c\u6240\u6709\u8005\u201d\u3002<\/li><li>\u6839\u636e <a href=\"https:\/\/www.kpdnhep.gov.my\/images\/dokumen\/awam\/perundangan\/AktaBI\/2-bi-Hire-Purchase-Act-1967-as-at-30-7-2012.pdf\">1967 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id=\"\u62d6\u8f66\u7684\u57fa\u672c\u6761\u4ef6\"><span class=\"ez-toc-section\" id=\"%E6%8B%96%E8%BD%A6%E7%9A%84%E5%9F%BA%E6%9C%AC%E6%9D%A1%E4%BB%B6\"><\/span>\u62d6\u8f66\u7684\u57fa\u672c\u6761\u4ef6<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<figure class=\"wp-block-image\"><img src=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/01\/220128_A14-01-02.jpg?resize=854%2C854&amp;ssl=1\" alt=\"\u62d6\u8f66\u7684\u57fa\u672c\u6761\u4ef6\"\/><\/figure>\n\n\n\n<p>\u4ee5\u4e0b\u662f\u62d6\u8f66\u4ee3\u7406\u4eba\u5728\u62d6\u8f66\u524d\u5fc5\u987b\u7b26\u5408\u7684\u6761\u4ef6\uff1a<\/p>\n\n\n\n<ol><li>\u62d6\u8f66\u4e1a\u8005\u5fc5\u987b\u62e5\u6709\u62d6\u8f66\u51c6\u8bc1 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