{"id":5660,"date":"2021-10-15T12:23:54","date_gmt":"2021-10-15T04:23:54","guid":{"rendered":"https:\/\/bjak.com\/blog\/?p=5660"},"modified":"2021-10-29T16:46:43","modified_gmt":"2021-10-29T08:46:43","slug":"%e9%82%a3%e4%ba%9b%e6%82%a8%e5%bf%85%e9%a1%bb%e7%9f%a5%e9%81%93%e7%9a%84%e8%bd%a6%e9%99%a9%e6%9d%a1%e6%ac%be","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9\/%e9%82%a3%e4%ba%9b%e6%82%a8%e5%bf%85%e9%a1%bb%e7%9f%a5%e9%81%93%e7%9a%84%e8%bd%a6%e9%99%a9%e6%9d%a1%e6%ac%be","title":{"rendered":"\u90a3\u4e9b\u60a8\u5fc5\u987b\u77e5\u9053\u7684\u8f66\u9669\u6761\u6b3e"},"content":{"rendered":"\n<p>\u5728\u6c7d\u8f66\u4fdd\u9669\u7684\u4fdd\u5355\u91cc\uff0c\u7ecf\u5e38\u4f1a\u51fa\u73b0\u4e00\u4e9b\u4ee4\u4eba\u56f0\u60d1\u7684\u6761\u6b3e\uff0c\u641e\u6e05\u695a\u8fd9\u4e9b\u6761\u6b3e\u975e\u5e38\u91cd\u8981\uff0c\u56e0\u4e3a\u8fd9\u6837\u624d\u80fd\u786e\u4fdd\u60a8\u662f\u5426\u9009\u62e9\u4e86\u9002\u5408\u7684\u4fdd\u9669\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-69d781470676a\" 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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href=\"https:\/\/bjak.my\/blog\/%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9\/%e9%82%a3%e4%ba%9b%e6%82%a8%e5%bf%85%e9%a1%bb%e7%9f%a5%e9%81%93%e7%9a%84%e8%bd%a6%e9%99%a9%e6%9d%a1%e6%ac%be\/#%E6%97%A0%E7%B4%A2%E5%81%BF%E6%8A%98%E6%89%A3NCD\" title=\"\u65e0\u7d22\u507f\u6298\u6263(NCD)\">\u65e0\u7d22\u507f\u6298\u6263(NCD)<\/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%82%a3%e4%ba%9b%e6%82%a8%e5%bf%85%e9%a1%bb%e7%9f%a5%e9%81%93%e7%9a%84%e8%bd%a6%e9%99%a9%e6%9d%a1%e6%ac%be\/#%E9%99%84%E5%8A%A0%E4%BF%9D%E9%99%A9\" title=\"\u9644\u52a0\u4fdd\u9669\">\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%82%a3%e4%ba%9b%e6%82%a8%e5%bf%85%e9%a1%bb%e7%9f%a5%e9%81%93%e7%9a%84%e8%bd%a6%e9%99%a9%e6%9d%a1%e6%ac%be\/#%E5%B8%82%E5%9C%BA%E4%BB%B7%E5%80%BC%E4%B8%8E%E7%BA%A6%E5%AE%9A%E4%BB%B7%E5%80%BC\" title=\"\u5e02\u573a\u4ef7\u503c\u4e0e\u7ea6\u5b9a\u4ef7\u503c\">\u5e02\u573a\u4ef7\u503c\u4e0e\u7ea6\u5b9a\u4ef7\u503c<\/a><ul class='ez-toc-list-level-3'><li class='ez-toc-heading-level-3'><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%82%a3%e4%ba%9b%e6%82%a8%e5%bf%85%e9%a1%bb%e7%9f%a5%e9%81%93%e7%9a%84%e8%bd%a6%e9%99%a9%e6%9d%a1%e6%ac%be\/#%E5%B8%82%E5%9C%BA%E4%BB%B7%E5%80%BC%EF%BC%88market_value%EF%BC%89\" title=\"\u5e02\u573a\u4ef7\u503c\uff08market value\uff09\">\u5e02\u573a\u4ef7\u503c\uff08market value\uff09<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" 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href=\"https:\/\/bjak.my\/blog\/%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9\/%e9%82%a3%e4%ba%9b%e6%82%a8%e5%bf%85%e9%a1%bb%e7%9f%a5%e9%81%93%e7%9a%84%e8%bd%a6%e9%99%a9%e6%9d%a1%e6%ac%be\/#%E9%A2%9D%E5%A4%96%E4%BF%AE%E8%BD%A6%E8%B4%B9%E7%94%A8%EF%BC%88Betterment%EF%BC%89\" title=\"\u989d\u5916\u4fee\u8f66\u8d39\u7528\uff08Betterment\uff09\">\u989d\u5916\u4fee\u8f66\u8d39\u7528\uff08Betterment\uff09<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/bjak.my\/blog\/%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9\/%e9%82%a3%e4%ba%9b%e6%82%a8%e5%bf%85%e9%a1%bb%e7%9f%a5%e9%81%93%e7%9a%84%e8%bd%a6%e9%99%a9%e6%9d%a1%e6%ac%be\/#%E9%A2%9D%E5%A4%96%E4%BF%9D%E8%B4%B9%EF%BC%88Loading%EF%BC%89\" title=\"\u989d\u5916\u4fdd\u8d39\uff08Loading\uff09&nbsp;\">\u989d\u5916\u4fdd\u8d39\uff08Loading\uff09&nbsp;<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"%E4%BF%9D%E8%B4%B9\"><\/span>\u4fdd\u8d39<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u4fdd\u8d39\u6307\u7684\u662f\u6295\u4fdd\u8005\u540c\u610f\u652f\u4ed8\u7684\u603b\u989d\uff0c\u4ee5\u4fbf\u8ba9\u5176\u8f66\u5b50\u83b7\u5f97\u4fdd\u9669\u4fdd\u969c\u3002<\/p>\n\n\n\n<p>\u57282017\u5e747\u67081\u65e5\u4e4b\u524d\uff0c\u9a6c\u6765\u897f\u4e9a\u6240\u6709\u4fdd\u9669\u516c\u53f8\u6240\u63d0\u4f9b\u7684\u6c7d\u8f66\u4fdd\u9669\u4fdd\u8d39\u90fd\u5927\u81f4\u76f8\u540c\uff08\u53d6\u51b3\u4e8e\u6c7d\u8f66\u5e02\u4ef7\u4ee5\u53ca\u5f15\u64ce\u5bb9\u91cf\uff09\u3002<\/p>\n\n\n\n<p>\u8fd9\u662f\u56e0\u4e3a\u4fdd\u8d39\u5173\u7a0e\u662f\u7531\u56fd\u5bb6\u94f6\u884c\uff08Bank Negara Malaysia\uff09\u6240\u7ba1\u5236\u7684\u3002\u7136\u800c\uff0c\u4ece2017\u5e747\u67081\u65e5\u5f00\u59cb\uff0c\u56fd\u5bb6\u94f6\u884c\u843d\u5b9e\u4e86\u8f66\u9669\u81ea\u7531\u6d6e\u52a8\u5b9a\u4ef7\u673a\u5236\u540e\uff0c\u4fdd\u9669\u516c\u53f8\u4fbf\u6839\u636e\u51e0\u4e2a\u56e0\u7d20\u51b3\u5b9a\u8f66\u9669\u4fdd\u8d39\uff0c\u5176\u4e2d\u5305\u62ec\uff1a\u53f8\u673a\u9a7e\u9a76\u8bb0\u5f55\u3001\u8f66\u5b50\u4f7f\u7528\u9891\u7387\u3001\u5c45\u4f4f\u5730\u533a\u3001\u8f66\u4e3b\u804c\u4e1a\u3001\u8f66\u4e3b\u5e74\u9f84\u7b49\u5176\u4ed6\u56e0\u7d20\u3002<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"%E6%97%A0%E7%B4%A2%E5%81%BF%E6%8A%98%E6%89%A3NCD\"><\/span>\u65e0\u7d22\u507f\u6298\u6263(NCD)<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u65e0\u7d22\u507f\u6298\u6263\uff0cNCD \u6216 Non-Claim Discount\uff0c\u662f\u4fdd\u9669\u516c\u53f8\u4e3a\u65e0\u7d22\u507f\u7684\u8f66\u4e3b\u6240\u63d0\u4f9b\u7684\u6298\u6263\u3002\u5728\u60a8\u6240\u652f\u4ed8\u7684\u4fdd\u8d39\u4e2d\uff0c\u65e0\u7d22\u507f\u6298\u6263\u626e\u6f14\u4e86\u4e00\u4e2a\u975e\u5e38\u91cd\u8981\u7684\u89d2\u8272\u3002\u5982\u679c\u8f66\u4e3b\u6bcf\u5e74\u90fd\u6ca1\u6709\u7d22\u507f\uff0c\u65e0\u7d22\u507f\u6298\u6263\u5c06\u9010\u5e74\u589e\u52a0\u3002<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"6163\" data-permalink=\"https:\/\/bjak.my\/blog\/%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9\/%e9%82%a3%e4%ba%9b%e6%82%a8%e5%bf%85%e9%a1%bb%e7%9f%a5%e9%81%93%e7%9a%84%e8%bd%a6%e9%99%a9%e6%9d%a1%e6%ac%be\/attachment\/image-1-_-ncd\" data-orig-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-1-_-NCD.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=\"Image-1-_-NCD\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-1-_-NCD.jpg?fit=300%2C300&amp;ssl=1\" data-large-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-1-_-NCD.jpg?fit=1024%2C1024&amp;ssl=1\" loading=\"lazy\" width=\"1024\" height=\"1024\" src=\"https:\/\/i2.wp.com\/bjak.com\/blog\/wp-content\/uploads\/2021\/10\/Image-1-_-NCD-1024x1024.jpg?resize=1024%2C1024&#038;ssl=1\" alt=\"\u6c7d\u8f66\u65e0\u7d22\u507f\u6298\u6263 (NCD)\" class=\"wp-image-6163\" srcset=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-1-_-NCD.jpg?resize=1024%2C1024&amp;ssl=1 1024w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-1-_-NCD.jpg?resize=300%2C300&amp;ssl=1 300w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-1-_-NCD.jpg?resize=150%2C150&amp;ssl=1 150w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-1-_-NCD.jpg?resize=768%2C768&amp;ssl=1 768w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-1-_-NCD.jpg?w=1080&amp;ssl=1 1080w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<p>\u9700\u8981\u6ce8\u610f\u7684\u662f\uff0c\u5982\u679c\u60a8\u5df2\u7ecf\u62e5\u6709 55%\u7684\u65e0\u7d22\u507f\u6298\u6263\uff0c\u4f46\u5728\u540c\u4e00\u5e74\u56e0\u4e3a\u53d1\u751f\u72b6\u51b5\u800c\u5411\u4fdd\u9669\u516c\u53f8\u7d22\u8d54\uff0c\u90a3\u4e48\u60a8\u7684\u65e0\u7d22\u507f\u6298\u6263\u5c06\u91cd\u65b0\u7531 0% \u5f00\u59cb\u7d2f\u79ef\u3002<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"%E9%99%84%E5%8A%A0%E4%BF%9D%E9%99%A9\"><\/span>\u9644\u52a0\u4fdd\u9669<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9%e9%87%8c%e7%9a%84%e9%99%84%e5%8a%a0%e4%bf%9d%e9%99%a9\/\">\u9644\u52a0\u4fdd\u9669<\/a>\u6307\u7684\u662f\u4e0d\u5305\u542b\u5728\u60a8\u6240\u9009\u62e9\u7684\u4fdd\u9669\u201c\u914d\u5957\u201d\u4e2d\u7684\u4fdd\u969c\uff0c\u56e0\u6b64\u60a8\u53ef\u4ee5\u6839\u636e\u4e2a\u4eba\u9700\u6c42\u53ca\u98ce\u9669\u6765\u8d2d\u4e70\u3002\u4ee5\u4e0b\u662f\u4e00\u822c\u4fdd\u9669\u516c\u53f8\u90fd\u4f1a\u63d0\u4f9b\u7684\u989d\u5916\u4fdd\u969c\uff1a<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"6112\" data-permalink=\"https:\/\/bjak.my\/blog\/%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9\/%e9%82%a3%e4%ba%9b%e6%82%a8%e5%bf%85%e9%a1%bb%e7%9f%a5%e9%81%93%e7%9a%84%e8%bd%a6%e9%99%a9%e6%9d%a1%e6%ac%be\/attachment\/image-2_-jenis-jenis-perlindungan-tambahan\" data-orig-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-2_-Jenis-jenis-Perlindungan-tambahan.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=\"Image-2_-Jenis-jenis-Perlindungan-tambahan\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-2_-Jenis-jenis-Perlindungan-tambahan.jpg?fit=300%2C300&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-2_-Jenis-jenis-Perlindungan-tambahan.jpg?fit=1024%2C1024&amp;ssl=1\" loading=\"lazy\" width=\"1024\" height=\"1024\" src=\"https:\/\/i2.wp.com\/bjak.com\/blog\/wp-content\/uploads\/2021\/10\/Image-2_-Jenis-jenis-Perlindungan-tambahan-1024x1024.jpg?resize=1024%2C1024&#038;ssl=1\" alt=\"\u9644\u52a0\u4fdd\u9669\u79cd\u7c7b\" class=\"wp-image-6112\" srcset=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-2_-Jenis-jenis-Perlindungan-tambahan.jpg?resize=1024%2C1024&amp;ssl=1 1024w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-2_-Jenis-jenis-Perlindungan-tambahan.jpg?resize=300%2C300&amp;ssl=1 300w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-2_-Jenis-jenis-Perlindungan-tambahan.jpg?resize=150%2C150&amp;ssl=1 150w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-2_-Jenis-jenis-Perlindungan-tambahan.jpg?resize=768%2C768&amp;ssl=1 768w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-2_-Jenis-jenis-Perlindungan-tambahan.jpg?w=1080&amp;ssl=1 1080w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<p><strong>1. \u989d\u5916\u53f8\u673a\u4fdd\u969c<\/strong>\uff1a\u4e00\u822c\u5728\u4fdd\u5355\u4e0a\u6dfb\u52a0\u7b2c\u4e8c\u540d\u53f8\u673a\u7684\u540d\u5b57\u662f\u514d\u8d39\u7684\uff0c\u4f46\u6dfb\u52a0\u7b2c\u4e09\u540d\u53f8\u673a\u9700\u652f\u4ed8\u5927\u7ea6RM10\uff0c\u7b2c\u56db\u540d\u53f8\u673a\u5219\u9700\u652f\u4ed8\u5927\u7ea6RM21\uff08\u5404\u4fdd\u9669\u516c\u53f8\u7684\u4ef7\u683c\u5404\u4e0d\u76f8\u540c\uff09\u3002<\/p>\n\n\n\n<p><strong>2. \u6c7d\u8f66\u5927\u955c<\/strong>\uff1a\u5176\u4ef7\u683c\u901a\u5e38\u662f\u6c7d\u8f66\u5927\u955c\u768415%<\/p>\n\n\n\n<p><strong>3. \u81ea\u7136\u707e\u5bb3\uff08\u7279\u522b\u60c5\u51b5\uff09<\/strong>\uff1a\u4e00\u822c\u662f\u4fdd\u989d\u76840.25%<\/p>\n\n\n\n<p>4. <strong>\u9a9a\u4e71\u6216\u6c11\u4e8b\u7834\u574f<\/strong>\uff1a\u4e00\u822c\u662f\u4fdd\u989d\u76840.3%<\/p>\n\n\n\n<p><strong>5. \u6c7d\u8f66\u96f6\u4ef6<\/strong>\uff1a\u4e00\u822c\u662f\u96f6\u4ef6\u4ef7\u683c\u768415%<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"%E5%B8%82%E5%9C%BA%E4%BB%B7%E5%80%BC%E4%B8%8E%E7%BA%A6%E5%AE%9A%E4%BB%B7%E5%80%BC\"><\/span>\u5e02\u573a\u4ef7\u503c\u4e0e\u7ea6\u5b9a\u4ef7\u503c<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u6c7d\u8f66\u4fdd\u9669\u7684\u4fdd\u989d\u4e00\u822c\u5206\u4e3a\u4e24\u79cd\uff1a<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"6113\" data-permalink=\"https:\/\/bjak.my\/blog\/%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9\/%e9%82%a3%e4%ba%9b%e6%82%a8%e5%bf%85%e9%a1%bb%e7%9f%a5%e9%81%93%e7%9a%84%e8%bd%a6%e9%99%a9%e6%9d%a1%e6%ac%be\/attachment\/image-3_-perbandingan-market-value-vs-agreed-value%ef%bc%88change-to-mandarin-visual%ef%bc%89\" data-orig-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-3_-Perbandingan-Market-Value-vs-Agreed-Value\uff08change-to-mandarin-visual\uff09.jpg?fit=1600%2C900&amp;ssl=1\" data-orig-size=\"1600,900\" 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=\"Image-3_-Perbandingan-Market-Value-vs-Agreed-Value\uff08change-to-mandarin-visual\uff09\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-3_-Perbandingan-Market-Value-vs-Agreed-Value\uff08change-to-mandarin-visual\uff09.jpg?fit=300%2C169&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-3_-Perbandingan-Market-Value-vs-Agreed-Value\uff08change-to-mandarin-visual\uff09.jpg?fit=1024%2C576&amp;ssl=1\" loading=\"lazy\" width=\"1024\" height=\"576\" src=\"https:\/\/i1.wp.com\/bjak.com\/blog\/wp-content\/uploads\/2021\/10\/Image-3_-Perbandingan-Market-Value-vs-Agreed-Value\uff08change-to-mandarin-visual\uff09-1024x576.jpg?resize=1024%2C576&#038;ssl=1\" alt=\"\u6c7d\u8f66\u4fdd\u9669\u4fdd\u989d\u7684\u79cd\u7c7b\" class=\"wp-image-6113\" srcset=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-3_-Perbandingan-Market-Value-vs-Agreed-Value\uff08change-to-mandarin-visual\uff09.jpg?resize=1024%2C576&amp;ssl=1 1024w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-3_-Perbandingan-Market-Value-vs-Agreed-Value\uff08change-to-mandarin-visual\uff09.jpg?resize=300%2C169&amp;ssl=1 300w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-3_-Perbandingan-Market-Value-vs-Agreed-Value\uff08change-to-mandarin-visual\uff09.jpg?resize=768%2C432&amp;ssl=1 768w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-3_-Perbandingan-Market-Value-vs-Agreed-Value\uff08change-to-mandarin-visual\uff09.jpg?resize=1536%2C864&amp;ssl=1 1536w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-3_-Perbandingan-Market-Value-vs-Agreed-Value\uff08change-to-mandarin-visual\uff09.jpg?w=1600&amp;ssl=1 1600w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"%E5%B8%82%E5%9C%BA%E4%BB%B7%E5%80%BC%EF%BC%88market_value%EF%BC%89\"><\/span>\u5e02\u573a\u4ef7\u503c\uff08market value\uff09<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/%e5%b8%82%e5%9c%ba%e4%bb%b7%e5%80%bc%e4%b8%8e%e7%ba%a6%e5%ae%9a%e4%bb%b7%e5%80%bc\/\">\u5e02\u573a\u4ef7\u503c<\/a>\u6307\u7684\u662f\u60a8\u7684\u6c7d\u8f66\u6309\u7167\u5e02\u573a\u4ef7\u683c\u6240\u4f30\u7b97\u51fa\u7684\u4ef7\u503c\u3002\u8fd9\u4e2a\u4ef7\u503c\u56e0\u6c7d\u8f66\u54c1\u724c\u3001\u8f66\u578b\u53ca\u51fa\u4ea7\u5e74\u4efd\u800c\u6709\u6240\u4e0d\u540c\u3002<\/p>\n\n\n\n<p>\u4e3e\u4f8b\uff1a\u5047\u8bbe\u60a8\u6295\u4fdd\u7684\u4fdd\u989d\u662fRM45,000\uff0c\u4f46\u8fc7\u540e\u5f53\u60a8\u8981\u6c42\u5168\u989d\u635f\u5931\u7684\u7d22\u8d54\u65f6\uff0c\u60a8\u5c06\u5f97\u5230\u5c11\u4e8eRM45,000\u7684\u8d54\u507f\u91d1\u3002\u8fd9\u662f\u56e0\u4e3a\u8f66\u5b50\u7684\u5e02\u573a\u4ef7\u503c\u5df2\u7ecf\u4e0b\u6ed1\uff0c\u800c\u8d54\u507f\u91d1\u662f\u6839\u636e\u60a8\u7d22\u8d54\u65f6\u7684\u5e02\u573a\u4ef7\u503c\u6240\u4f30\u7b97\u7684\u3002<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"%E7%BA%A6%E5%AE%9A%E4%BB%B7%E5%80%BC%EF%BC%88Agreed_value%EF%BC%89\"><\/span>\u7ea6\u5b9a\u4ef7\u503c\uff08Agreed value\uff09<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p><a href=\"https:\/\/bjak.com\/blog\/%e5%b8%82%e5%9c%ba%e4%bb%b7%e5%80%bc%e4%b8%8e%e7%ba%a6%e5%ae%9a%e4%bb%b7%e5%80%bc\/\">\u7ea6<\/a><a href=\"https:\/\/bjak.my\/blog\/%e5%b8%82%e5%9c%ba%e4%bb%b7%e5%80%bc%e4%b8%8e%e7%ba%a6%e5%ae%9a%e4%bb%b7%e5%80%bc\/\">\u5b9a\u4ef7\u503c<\/a>\u6307\u7684\u662f\u60a8\u548c\u4fdd\u9669\u516c\u53f8\u53cc\u65b9\u540c\u610f\u7684\u6307\u5b9a\u91d1\u989d\u3002\u8fd9\u4e2a\u603b\u989d\u4e0d\u4f1a\u968f\u7740\u8f66\u5b50\u5e02\u573a\u4ef7\u503c\u7684\u4e0b\u6ed1\u800c\u6709\u6240\u6539\u53d8\u3002<\/p>\n\n\n\n<p>\u4e3e\u4f8b\uff1a\u5047\u8bbe\u60a8\u548c\u4fdd\u9669\u516c\u53f8\u76f8\u4e92\u540c\u610f\u7684\u4fdd\u989d\u4e3aRM45,000\uff0c\u8fc7\u540e\u5f53\u60a8\u8981\u6c42\u5168\u989d\u635f\u5931\u7684\u7d22\u8d54\u65f6\uff0c\u60a8\u5c06\u5f97\u5230RM45,000\u7684\u8d54\u507f\u91d1\u3002\u867d\u7136\u5f53\u60a8\u7d22\u8d54\u65f6\u8f66\u5b50\u7684\u5e02\u573a\u4ef7\u683c\u5df2\u7ecf\u4e0b\u6ed1\uff0c\u4f46\u8d54\u507f\u91d1\u5e76\u4e0d\u4f1a\u56e0\u6b64\u800c\u6539\u53d8\u3002<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"%E8%87%AA%E4%BB%98%E9%87%91%E9%A2%9D%E5%9E%AB%E5%BA%95%E8%B4%B9%EF%BC%88Ekcess%EF%BC%89\"><\/span>\u81ea\u4ed8\u91d1\u989d\/\u57ab\u5e95\u8d39\uff08Ekcess\uff09<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u81ea\u4ed8\u91d1\u989d\u6307\u7684\u662f<strong>\u7d22\u8d54\u4fdd\u9669\u65f6\u9700\u8981\u9884\u5148\u57ab\u4ed8\u7684\u6b3e\u9879<\/strong>\uff0c\u5c31\u7b97\u60a8\u4e0d\u662f\u8087\u4e8b\u8005\uff0c\u60a8\u4e5f\u5fc5\u987b\u5148\u4ed8\u8fd9\u7b14\u6b3e\u9879\u3002<\/p>\n\n\n\n<p>\u4e00\u822c\u4e0a\uff0c\u81ea\u4ed8\u91d1\u989d\u4e0d\u5305\u62ec\u706b\u707e\u9020\u6210\u7684\u635f\u574f\u3001\u7206\u70b8\u3001\u7b2c\u4e09\u65b9\u7684\u635f\u574f\uff0c\u4e5f\u4e0d\u5305\u62ec\u7b2c\u4e09\u65b9\u7684\u53d7\u4f24\u7d22\u8d54\u3002<\/p>\n\n\n\n<p>\u4e3e\u4e2a\u4f8b\u5b50\uff1a\u5c0f\u660e\u66f4\u65b0\u6c7d\u8f66\u4fdd\u9669\u65f6\u7684\u81ea\u4ed8\u91d1\u989d\u4e3aRM500\u3002\u6709\u4e00\u5929\uff0c\u5c0f\u660e\u53d1\u751f\u4e86\u4ea4\u901a\u610f\u5916\u9700\u8981\u5411\u4fdd\u9669\u516c\u53f8\u7d22\u8d54\u603b\u6570\u4e3aRM4,000\u7684\u6c7d\u8f66\u7ef4\u4fee\u8d39\u3002\u7531\u4e8e\u4fdd\u5355\u91cc\u7684\u81ea\u4ed8\u91d1\u989d\u4e3aRM500\uff0c\u56e0\u6b64\u5c0f\u660e\u5fc5\u987b\u81ea\u4ed8RM500\uff0c\u800c\u5269\u4f59\u7684RM3,500\u5219\u7531\u4fdd\u9669\u516c\u53f8\u627f\u62c5\u3002<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"%E9%A2%9D%E5%A4%96%E4%BF%AE%E8%BD%A6%E8%B4%B9%E7%94%A8%EF%BC%88Betterment%EF%BC%89\"><\/span>\u989d\u5916\u4fee\u8f66\u8d39\u7528\uff08Betterment\uff09<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u989d\u5916\u4fee\u8f66\u8d39\u7528\u901a\u5e38\u53ea\u5728\u8f66\u9f84\u8d85\u8fc75\u5e74\u4ee5\u4e0a\u7684\u65e7\u8f66\u7684\u4fdd\u5355\u4e2d\u5b58\u5728\u3002\u56e0\u4e3a\u8f66\u9f84\u5df2\u8d85\u8fc75\u5e74\uff0c\u8f66\u4e0a\u7684\u5927\u90e8\u5206\u96f6\u4ef6\u5df2\u5f00\u59cb\u8001\u5316\uff0c\u6240\u4ee5\u8fd9\u4e9b\u65e7\u8f66\u4e00\u65e6\u53d1\u751f\u8f66\u7978\u9700\u8981\u5411\u4fdd\u9669\u516c\u53f8\u7d22\u507f\uff0c\u5f80\u5f80\u90fd\u4e0d\u4f1a\u83b7\u5f97\u65b0\u7684\u539f\u88c5\u96f6\u4ef6\u8d54\u507f\u3002<\/p>\n\n\n\n<p>\u56e0\u6b64\uff0c\u4fdd\u9669\u516c\u53f8\u5c31\u4f1a\u4ee5\u4e8c\u624b\u6216\u590d\u65b0\u96f6\u4ef6\u4f5c\u4e3a\u66ff\u6362\u96f6\u4ef6\uff0c\u56e0\u4e3a\u8fd9\u4e9b\u96f6\u4ef6\u4ef7\u683c\u6bd4\u539f\u88c5\u96f6\u4ef6\u6765\u5f97\u4f4e\u3002\u5982\u679c\u8f66\u4e3b\u8981\u6c42\u66f4\u6362\u539f\u88c5\u96f6\u4ef6\uff0c\u6216\u67d0\u4e9b\u635f\u574f\u90e8\u4efd\u56e0\u4e3a\u627e\u4e0d\u5230\u4e8c\u624b\/\u590d\u65b0\u96f6\u4ef6\u800c\u88ab\u8feb\u4f7f\u7528\u539f\u88c5\u65b0\u96f6\u4ef6\u7684\u8bdd\uff0c\u8f66\u4e3b\u5c31\u9700\u8981\u81ea\u884c\u627f\u62c5\u989d\u5916\u7684\u8d39\u7528\uff0c\u800c\u8fd9\u7b14\u8d39\u7528\u5c31\u662f\u201c\u989d\u5916\u4fee\u8f66\u8d39\u7528\u201d\u3002<\/p>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter size-full is-resized\"><img data-attachment-id=\"4348\" data-permalink=\"https:\/\/bjak.my\/blog\/%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9\/%e9%a9%be%e8%bd%a6%e4%ba%ba%e5%a3%ab%e4%b8%80%e5%ae%9a%e8%a6%81%e7%9f%a5%e9%81%93%e7%9a%84%e8%bd%a6%e7%a5%b8%e5%a4%84%e7%90%86sop\/attachment\/befunky-collage-11-1\" data-orig-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/BeFunky-collage-11-1.jpg?fit=800%2C400&amp;ssl=1\" data-orig-size=\"800,400\" 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;1&quot;}\" data-image-title=\"BeFunky-collage-11-1\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/BeFunky-collage-11-1.jpg?fit=300%2C150&amp;ssl=1\" data-large-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/BeFunky-collage-11-1.jpg?fit=800%2C400&amp;ssl=1\" loading=\"lazy\" src=\"https:\/\/i2.wp.com\/bjak.com\/blog\/wp-content\/uploads\/2021\/09\/BeFunky-collage-11-1.jpg?resize=798%2C399&#038;ssl=1\" alt=\"\u989d\u5916\u4fee\u8f66\u8d39\u7528\uff08Betterment\uff09\" class=\"wp-image-4348\" width=\"798\" height=\"399\" srcset=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/BeFunky-collage-11-1.jpg?w=800&amp;ssl=1 800w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/BeFunky-collage-11-1.jpg?resize=300%2C150&amp;ssl=1 300w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/BeFunky-collage-11-1.jpg?resize=768%2C384&amp;ssl=1 768w\" sizes=\"(max-width: 798px) 100vw, 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