{"id":47386,"date":"2024-06-26T13:51:00","date_gmt":"2024-06-26T05:51:00","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=47386"},"modified":"2024-06-25T22:02:16","modified_gmt":"2024-06-25T14:02:16","slug":"%e9%99%a4%e4%ba%86%e8%b4%a7%e6%af%94%e4%b8%89%e5%ae%b6%ef%bc%8c%e8%bf%98%e8%83%bd%e6%80%8e%e6%a0%b7%e4%bb%a5%e6%9b%b4%e4%bd%8e%e4%bb%b7%e6%a0%bc%e6%9b%b4%e6%96%b0%e8%bd%a6%e9%99%a9%ef%bc%9f","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9\/%e9%99%a4%e4%ba%86%e8%b4%a7%e6%af%94%e4%b8%89%e5%ae%b6%ef%bc%8c%e8%bf%98%e8%83%bd%e6%80%8e%e6%a0%b7%e4%bb%a5%e6%9b%b4%e4%bd%8e%e4%bb%b7%e6%a0%bc%e6%9b%b4%e6%96%b0%e8%bd%a6%e9%99%a9%ef%bc%9f","title":{"rendered":"\u9664\u4e86\u8d27\u6bd4\u4e09\u5bb6\uff0c\u8fd8\u80fd\u600e\u6837\u4ee5\u66f4\u4f4e\u4ef7\u683c\u8d2d\u4e70\u8f66\u9669\uff1f"},"content":{"rendered":"\n<p>\u6839\u636e\u6211\u56fd\u6cd5\u5f8b\uff0c\u6240\u6709\u5728\u8def\u4e0a\u884c\u9a76\u7684\u8f66\u8f86\u90fd\u5fc5\u987b\u6301\u6709\u6709\u6548\u7684\u6c7d\u8f66\u4fdd\u9669\u548c\u8def\u7a0e\u3002\u5f53\u7136\uff0c\u60a8\u5fc5\u987b\u5728\u66f4\u65b0\u8def\u7a0e\u4e4b\u524d\u5148\u66f4\u65b0\u6c7d\u8f66\u4fdd\u9669\uff0c\u5426\u5219\u60a8\u5c06\u65e0\u6cd5\u66f4\u65b0\u8def\u7a0e\u3002<\/p>\n\n\n\n<p>\u5c3d\u7ba1\u5f88\u591a\u8f66\u4e3b\u90fd\u77e5\u9053\u8fd9\u6837\u7684\u89c4\u5b9a\uff0c\u4f46\u4ecd\u6709\u5c11\u6570\u8f66\u4e3b\u56e0\u4e3a\u9ad8\u989d\u4fdd\u8d39\u800c\u672a\u80fd\u53ca\u65f6\u66f4\u65b0\u8f66\u9669\u3002\u5b9e\u9645\u4e0a\uff0c\u5373\u4f7f\u60a8\u7684\u9884\u7b97\u6709\u9650\uff0c\u4ecd\u7136\u53ef\u4ee5\u901a\u8fc7\u4e00\u4e9b\u65b9\u6cd5\u6765\u83b7\u53d6\u4f18\u60e0\u7684\u6c7d\u8f66\u4fdd\u9669\u3002\u7ee7\u7eed\u9605\u8bfb\u4e0b\u6587\uff0c\u6211\u4eec\u5c06\u4f1a\u5206\u4eab\u4e00\u4e9b\u5e2e\u52a9\u60a8\u8282\u7701\u6c7d\u8f66\u4fdd\u9669\u8d39\u7528\u7684\u5c0f\u8d34\u58eb\u3002<\/p>\n\n\n\n<div 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title=\"\u6839\u636e\u5e02\u573a\u4ef7\u503c\u7eed\u4fdd\">\u6839\u636e\u5e02\u573a\u4ef7\u503c\u7eed\u4fdd<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/bjak.my\/blog\/%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9\/%e9%99%a4%e4%ba%86%e8%b4%a7%e6%af%94%e4%b8%89%e5%ae%b6%ef%bc%8c%e8%bf%98%e8%83%bd%e6%80%8e%e6%a0%b7%e4%bb%a5%e6%9b%b4%e4%bd%8e%e4%bb%b7%e6%a0%bc%e6%9b%b4%e6%96%b0%e8%bd%a6%e9%99%a9%ef%bc%9f\/#%E9%81%BF%E5%85%8D%E8%B4%AD%E4%B9%B0%E4%B8%8D%E5%BF%85%E8%A6%81%E7%9A%84%E9%99%84%E5%8A%A0%E4%BF%9D%E9%99%A9\" title=\"\u907f\u514d\u8d2d\u4e70\u4e0d\u5fc5\u8981\u7684\u9644\u52a0\u4fdd\u9669\">\u907f\u514d\u8d2d\u4e70\u4e0d\u5fc5\u8981\u7684\u9644\u52a0\u4fdd\u9669<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/bjak.my\/blog\/%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9\/%e9%99%a4%e4%ba%86%e8%b4%a7%e6%af%94%e4%b8%89%e5%ae%b6%ef%bc%8c%e8%bf%98%e8%83%bd%e6%80%8e%e6%a0%b7%e4%bb%a5%e6%9b%b4%e4%bd%8e%e4%bb%b7%e6%a0%bc%e6%9b%b4%e6%96%b0%e8%bd%a6%e9%99%a9%ef%bc%9f\/#%E9%80%89%E6%8B%A9%E6%8F%90%E4%BE%9B%E6%9B%B4%E5%A4%9A%E5%85%8D%E8%B4%B9%E7%A6%8F%E5%88%A9%E7%9A%84%E4%BF%9D%E9%99%A9%E5%85%AC%E5%8F%B8\" title=\"\u9009\u62e9\u63d0\u4f9b\u66f4\u591a\u514d\u8d39\u798f\u5229\u7684\u4fdd\u9669\u516c\u53f8\">\u9009\u62e9\u63d0\u4f9b\u66f4\u591a\u514d\u8d39\u798f\u5229\u7684\u4fdd\u9669\u516c\u53f8<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/bjak.my\/blog\/%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9\/%e9%99%a4%e4%ba%86%e8%b4%a7%e6%af%94%e4%b8%89%e5%ae%b6%ef%bc%8c%e8%bf%98%e8%83%bd%e6%80%8e%e6%a0%b7%e4%bb%a5%e6%9b%b4%e4%bd%8e%e4%bb%b7%e6%a0%bc%e6%9b%b4%e6%96%b0%e8%bd%a6%e9%99%a9%ef%bc%9f\/#%E5%85%88%E4%B9%B0%E5%90%8E%E4%BB%98%EF%BC%88BNPL%EF%BC%89%E5%88%86%E6%9C%9F%E4%BB%98%E6%AC%BE\" title=\"\u5148\u4e70\u540e\u4ed8\uff08BNPL\uff09\u5206\u671f\u4ed8\u6b3e\">\u5148\u4e70\u540e\u4ed8\uff08BNPL\uff09\u5206\u671f\u4ed8\u6b3e<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"has-nv-c-2-color has-text-color\"><span class=\"ez-toc-section\" id=\"%E6%AF%94%E8%BE%83%E4%B8%8D%E5%90%8C%E4%BF%9D%E9%99%A9%E5%85%AC%E5%8F%B8%E7%9A%84%E6%8A%A5%E4%BB%B7\"><\/span><strong>\u6bd4\u8f83\u4e0d\u540c\u4fdd\u9669\u516c\u53f8\u7684\u62a5\u4ef7<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u60f3\u8981\u5728\u66f4\u65b0\u8f66\u9669\u4e0a\u7701\u94b1\uff0c\u8d27\u6bd4\u4e09\u5bb6\u771f\u7684\u975e\u5e38\u91cd\u8981\u3002\u6bcf\u5bb6\u4fdd\u9669\u516c\u53f8\u63d0\u4f9b\u7684\u4fdd\u5355\u548c\u4ef7\u683c\u90fd\u4f1a\u6709\u6240\u4e0d\u540c\uff0c\u56e0\u6b64\u901a\u8fc7\u6bd4\u8f83\u62a5\u4ef7\uff0c\u60a8\u53ef\u4ee5\u627e\u5230\u6700\u9002\u5408\u60a8\u7684\u90a3\u4e00\u4e2a\u3002\u901a\u8fc7\u6bd4\u8f83\uff0c\u53ef\u4ee5\u77e5\u9053\u54ea\u4e9b\u516c\u53f8\u63d0\u4f9b\u6298\u6263\u6216\u7279\u522b\u4f18\u60e0\uff0c\u53ef\u4ee5\u5e2e\u52a9\u60a8\u964d\u4f4e\u4fdd\u8d39\u3002<\/p>\n\n\n\n<p>\u4f8b\u5982\uff1a\u6709\u4e9b\u516c\u53f8\u5728\u7279\u5b9a\u65f6\u671f\u4f1a\u63d0\u4f9b\u9650\u65f6\u6298\u6263\uff0c\u6216\u8005\u4e3a\u65b0\u5ba2\u6237\u63d0\u4f9b\u9996\u5e74\u4f18\u60e0\uff0c\u8fd9\u4e9b\u90fd\u53ef\u4ee5\u5927\u5927\u51cf\u5c11\u60a8\u7684\u4fdd\u8d39\u3002\u4e3a\u4e86\u65b9\u4fbf\u60a8\u6bd4\u8f83\u4e0d\u540c\u4fdd\u9669\u516c\u53f8\u7684\u62a5\u4ef7\uff0c\u60a8\u4e5f\u53ef\u4ee5\u6d4f\u89c8\u5168\u9a6c\u7b2c\u4e00\u7684\u7ebf\u4e0a\u66f4\u65b0\u8f66\u9669\u5e73\u53f0\u2014\u2014\u5fc5\u4f73Bjak\uff0c\u4e0d\u7528\u51fa\u95e8\u5c31\u80fd\u514d\u8d39\u83b7\u53d623\u5bb6\u4fdd\u9669\u516c\u53f8\u7684\u62a5\u4ef7\uff0c\u5e76\u6839\u636e\u81ea\u5df1\u7684\u9700\u6c42\u548c\u53ef\u8d1f\u62c5\u7684\u4ef7\u683c\uff0c\u8d2d\u4e70\u6700\u5408\u9002\u7684\u4fdd\u5355\u3002<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"28340\" data-permalink=\"https:\/\/bjak.my\/blog\/car-insurance\/buying-car-insurance-online-vs-agent\/attachment\/photo6226266600290497142\" data-orig-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/04\/photo6226266600290497142.jpg?fit=1080%2C1080&amp;ssl=1\" data-orig-size=\"1080,1080\" data-comments-opened=\"0\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"Buying Car Insurance Online vs Agent\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/04\/photo6226266600290497142.jpg?fit=300%2C300&amp;ssl=1\" data-large-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/04\/photo6226266600290497142.jpg?fit=1024%2C1024&amp;ssl=1\" loading=\"lazy\" width=\"1024\" height=\"1024\" src=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/04\/photo6226266600290497142.jpg?resize=1024%2C1024&#038;ssl=1\" alt=\"Buying Car Insurance Online vs Agent\" class=\"wp-image-28340\" srcset=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/04\/photo6226266600290497142.jpg?resize=1024%2C1024&amp;ssl=1 1024w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/04\/photo6226266600290497142.jpg?resize=300%2C300&amp;ssl=1 300w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/04\/photo6226266600290497142.jpg?resize=150%2C150&amp;ssl=1 150w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/04\/photo6226266600290497142.jpg?resize=768%2C768&amp;ssl=1 768w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/04\/photo6226266600290497142.jpg?w=1080&amp;ssl=1 1080w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<h2 class=\"has-nv-c-2-color has-text-color\"><span class=\"ez-toc-section\" id=\"%E6%A0%B9%E6%8D%AE%E5%B8%82%E5%9C%BA%E4%BB%B7%E5%80%BC%E7%BB%AD%E4%BF%9D\"><\/span><strong>\u6839\u636e\u5e02\u573a\u4ef7\u503c\u7eed\u4fdd<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u60a8\u662f\u5426\u77e5\u9053\uff0c\u5982\u679c\u60a8\u9009\u62e9\u6839\u636e\u5e02\u573a\u4ef7\u503c\u800c\u4e0d\u662f\u7ea6\u5b9a\u4ef7\u503c\u6765\u8d2d\u4e70\u6c7d\u8f66\u4fdd\u9669\uff0c\u60a8\u9700\u8981\u652f\u4ed8\u7684\u4fdd\u8d39\u4f1a\u66f4\u4f4e\uff1f\u8fd9\u662f\u56e0\u4e3a\u5e02\u573a\u4ef7\u503c\u901a\u5e38\u4f4e\u4e8e\u7ea6\u5b9a\u4ef7\u503c\uff0c\u56e0\u6b64\u4fdd\u9669\u516c\u53f8\u9700\u8981\u627f\u62c5\u7684\u98ce\u9669\u4e5f\u8f83\u4f4e\u3002<\/p>\n\n\n\n<p>\u4e0d\u8fc7\uff0c\u8fd9\u91cc\u6709\u4e00\u4e2a\u5c0f\u5c0f\u7684\u4e0d\u8db3\u4e4b\u5904\uff0c\u5982\u679c\u60a8\u7684\u8f66\u5b50\u88ab\u76d7\u6216\u4e25\u91cd\u635f\u574f\uff0c\u4fdd\u9669\u516c\u53f8\u53ea\u4f1a\u6839\u636e\u5e02\u573a\u4ef7\u503c\u8fdb\u884c\u8d54\u507f\uff0c\u800c\u4e0d\u662f\u60a8\u5f53\u521d\u7ea6\u5b9a\u597d\u7684\u4ef7\u503c\u3002\u56e0\u6b64\uff0c\u5728\u9009\u62e9\u524d\uff0c\u60a8\u9700\u8981\u6743\u8861\u4fdd\u8d39\u548c\u6f5c\u5728\u8d54\u507f\u91d1\u989d\u4e4b\u95f4\u7684\u5229\u5f0a\u3002<\/p>\n\n\n\n<h2 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class=\"wp-block-image size-large\"><img data-attachment-id=\"11419\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/penjelasan-mengenai-excess-wajib-dalam-insurans-kereta\/attachment\/photo_2021-11-18_15-16-18\" data-orig-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/photo_2021-11-18_15-16-18.jpg?fit=1280%2C720&amp;ssl=1\" data-orig-size=\"1280,720\" data-comments-opened=\"0\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"Car Insurance: Compulsory Excess Explained\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/photo_2021-11-18_15-16-18.jpg?fit=300%2C169&amp;ssl=1\" data-large-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/photo_2021-11-18_15-16-18.jpg?fit=1080%2C608&amp;ssl=1\" loading=\"lazy\" width=\"1080\" height=\"608\" src=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/photo_2021-11-18_15-16-18.jpg?resize=1080%2C608&#038;ssl=1\" alt=\"Car Insurance: Compulsory Excess Explained\" class=\"wp-image-11419\" srcset=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/photo_2021-11-18_15-16-18.jpg?resize=1080%2C608&amp;ssl=1 1080w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/photo_2021-11-18_15-16-18.jpg?resize=300%2C169&amp;ssl=1 300w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/photo_2021-11-18_15-16-18.jpg?resize=768%2C432&amp;ssl=1 768w, 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