{"id":19405,"date":"2026-11-03T11:51:15","date_gmt":"2026-11-03T11:51:15","guid":{"rendered":"https:\/\/arshahomes.com\/zh-hans\/%e7%8e%b0%e9%87%91%e4%b8%8e%e6%8a%b5%e6%8a%bc%e8%b4%b7%e6%ac%be%ef%bc%9a2026%e5%b9%b4%e5%a6%82%e4%bd%95%e8%9e%8d%e8%b5%84%e8%b4%ad%e4%b9%b0%e8%bf%aa%e6%8b%9c%e7%89%a9%e4%b8%9a-zh-hans\/"},"modified":"2026-11-03T11:51:15","modified_gmt":"2026-11-03T11:51:15","slug":"%e7%8e%b0%e9%87%91%e4%b8%8e%e6%8a%b5%e6%8a%bc%e8%b4%b7%e6%ac%be%ef%bc%9a2026%e5%b9%b4%e5%a6%82%e4%bd%95%e8%9e%8d%e8%b5%84%e8%b4%ad%e4%b9%b0%e8%bf%aa%e6%8b%9c%e7%89%a9%e4%b8%9a-zh-hans","status":"publish","type":"post","link":"https:\/\/arshahomes.com\/zh-hans\/%e7%8e%b0%e9%87%91%e4%b8%8e%e6%8a%b5%e6%8a%bc%e8%b4%b7%e6%ac%be%ef%bc%9a2026%e5%b9%b4%e5%a6%82%e4%bd%95%e8%9e%8d%e8%b5%84%e8%b4%ad%e4%b9%b0%e8%bf%aa%e6%8b%9c%e7%89%a9%e4%b8%9a-zh-hans\/","title":{"rendered":"\u73b0\u91d1\u4e0e\u62b5\u62bc\u8d37\u6b3e\uff1a2026\u5e74\u5982\u4f55\u878d\u8d44\u8d2d\u4e70\u8fea\u62dc\u7269\u4e1a"},"content":{"rendered":"<p>\u5982\u679c\u60a8\u53ef\u4ee5\u8f7b\u677e\u627f\u62c5\uff0c\u73b0\u91d1\u8d2d\u4e70\u8fea\u62dc\u7269\u4e1a\u66f4\u7b80\u5355\u3001\u66f4\u5feb\u4e14\u8d39\u7528\u66f4\u4f4e\u2014\u2014\u4f46\u62b5\u62bc\u8d37\u6b3e\u8ba9\u60a8\u53ef\u4ee5\u5c06\u5927\u90e8\u5206\u8d44\u91d1\u7528\u4e8e\u5176\u4ed6\u6295\u8d44\uff0c\u800c\u8fd9\u79cd\u6760\u6746\u901a\u5e38\u5728\u957f\u671f\u6301\u6709\u4e2d\u83b7\u80dc\uff0c\u5982\u679c\u60a8\u7684\u8d44\u91d1\u6536\u76ca\u8d85\u8fc7\u501f\u6b3e\u6210\u672c\u30022026\u5e74\u7684\u6b63\u786e\u7b54\u6848\u53d6\u51b3\u4e8e\u4e09\u4ef6\u4e8b\uff1a\u60a8\u83b7\u5f97\u878d\u8d44\u7684\u80fd\u529b\uff08\u5bf9\u975e\u5c45\u6c11\u6765\u8bf4\u66f4\u7d27\u5f20\uff09\u3001\u6bcf\u6761\u8def\u5f84\u7684\u8d39\u7528\uff0c\u4ee5\u53ca\u60a8\u7684\u8d44\u91d1\u662f\u5426\u80fd\u8d85\u8fc7\u62b5\u62bc\u8d37\u6b3e\u5229\u7387\u7684\u6536\u76ca\u3002<\/p>\n<div 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500\u4e07<\/td>\n<td>\u6700\u9ad880%<\/td>\n<td>\u7ea620%<\/td>\n<\/tr>\n<tr>\n<td>\u5916\u7c4d\u5c45\u6c11\u2014\u2014\u9996\u5957\u623f\uff0c\u8d85\u8fc7AED 500\u4e07<\/td>\n<td>\u6700\u9ad870%<\/td>\n<td>\u7ea630%<\/td>\n<\/tr>\n<tr>\n<td>\u5916\u7c4d\u5c45\u6c11\u2014\u2014\u7b2c\u4e8c\/\u9644\u52a0\u7269\u4e1a<\/td>\n<td>\u7ea660\u201365%<\/td>\n<td>\u7ea635\u201340%<\/td>\n<\/tr>\n<tr>\n<td>\u975e\u5c45\u6c11\u4e70\u5bb6<\/td>\n<td>\u901a\u5e3850\u201365%\uff08\u672a\u5b8c\u5de5\u7269\u4e1a\u66f4\u4f4e\uff09<\/td>\n<td>\u7ea635\u201350%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><em>\u6765\u6e90\uff1a\u6839\u636e\u963f\u8054\u914b\u6cd5\u5f8b\u548c\u5e02\u573a\u8bc4\u8bba\u62a5\u544a\u7684CBUAE\u62b5\u62bc\u8d37\u6b3e\u6cd5\u89c4\uff08\u5c45\u6c11\u4e0a\u9650\u4e3a80%\/70%\uff09\u548c2026\u5e74\u975e\u5c45\u6c11\u8d37\u6b3e\u7684\u7ecf\u7eaa\u4eba\u6307\u5bfc\u3002\u975e\u5c45\u6c11\u7684\u4e0a\u9650\u56e0\u94f6\u884c\u800c\u5f02\u2014\u2014\u4e00\u4e9b\u94f6\u884c\u65e0\u8bba\u4ef7\u503c\u5982\u4f55\u90fd\u9650\u5236\u572850%\uff0c\u800c\u8bb8\u591a\u94f6\u884c\u6839\u672c\u4e0d\u5411\u975e\u5c45\u6c11\u63d0\u4f9b\u8d37\u6b3e\u3002\u8bf7\u5c06\u8fd9\u4e9b\u89c6\u4e3a\u9700\u786e\u8ba4\u7684\u8303\u56f4\uff0c\u800c\u975e\u4fdd\u8bc1\u3002<\/em><\/p>\n<p>\u6d77\u5916\u4e70\u5bb6\u7684\u5b9e\u9645\u4fe1\u606f\uff1a\u9884\u7b97\u8981\u6709\u76f8\u5f53\u7684\u73b0\u91d1\u5b58\u6b3e\u3002\u5982\u679c\u60a8\u5728\u56fd\u5916\u878d\u8d44\uff0c\u8bf7\u9605\u8bfb\u6211\u4eec\u5173\u4e8e<a href=\"https:\/\/arshahomes.com\/how-to-get-a-mortgage-in-dubai-as-a-foreign-buyer\/\">\u5982\u4f55\u4f5c\u4e3a\u5916\u56fd\u4e70\u5bb6\u5728\u8fea\u62dc\u83b7\u5f97\u62b5\u62bc\u8d37\u6b3e<\/a>\u7684\u6307\u5357\uff0c\u4ee5\u53ca<a href=\"https:\/\/arshahomes.com\/unlocking-dubai-mortgages-a-guide-for-expats-and-non-residents\/\">\u5916\u7c4d\u4eba\u58eb\u548c\u975e\u5c45\u6c11\u7684\u8fea\u62dc\u62b5\u62bc\u8d37\u6b3e<\/a>\u7684\u8be6\u7ec6\u89e3\u8bfb\uff0c\u7136\u540e\u518d\u63a5\u6d3d\u94f6\u884c\u3002<\/p>\n<h3>\u5229\u7387\u73af\u5883<\/h3>\n<p>\u963f\u8054\u914b\u7684\u62b5\u62bc\u8d37\u6b3e\u5b9a\u4ef7\u901a\u5e38\u662f\u521d\u59cb\u671f\u95f4\u7684\u56fa\u5b9a\u5229\u7387\u6216\u4e0eEIBOR\uff08\u963f\u8054\u914b\u94f6\u884c\u95f4\u62c6\u501f\u5229\u7387\uff09\u6302\u94a9\u7684\u6d6e\u52a8\u5229\u7387\uff0c\u5916\u52a0\u94f6\u884c\u5229\u6da6\u3002\u516c\u5e03\u7684\u5229\u7387\u968f\u5229\u7387\u5468\u671f\u800c\u6ce2\u52a8\uff0c\u5e76\u4e14\u56e0\u8d37\u6b3e\u4eba\u3001\u8d37\u6b3e\u91d1\u989d\u548c\u60a8\u7684\u4e2a\u4eba\u60c5\u51b5\u800c\u5f02\uff0c\u56e0\u6b64\u4efb\u4f55\u5355\u4e00\u6570\u5b57\u5f88\u5feb\u5c31\u4f1a\u8fc7\u65f6\u3002\u4f5c\u4e3a\u4e00\u4e2a\u793a\u4f8b\u89c4\u5212\u8303\u56f4\uff0c2026\u5e74\u94f6\u884c\u516c\u5e03\u7684\u5934\u6761\u5229\u7387\u5927\u81f4\u57284%\u52305%\u7684\u8303\u56f4\u5185\u2014\u2014\u8bf7\u5c06\u5176\u89c6\u4e3a\u6307\u793a\uff0c\u5e76\u83b7\u53d6\u4e66\u9762\u62a5\u4ef7\uff0c\u56e0\u4e3a\u60a8\u7684\u5b9e\u9645\u5229\u7387\u53ef\u80fd\u4f1a\u8d85\u51fa\u6b64\u8303\u56f4\u3002\u56fa\u5b9a\u5229\u7387\u671f\u95f4\u63d0\u4f9b\u652f\u4ed8\u786e\u5b9a\u6027\uff1b\u6d6e\u52a8\u5229\u7387\u8d77\u521d\u53ef\u80fd\u66f4\u4fbf\u5b9c\uff0c\u4f46\u5728\u56fa\u5b9a\u671f\u7ed3\u675f\u65f6\u4f1a\u8ba9\u60a8\u9762\u4e34EIBOR\u7684\u6ce2\u52a8\u3002<\/p>\n<h2>\u8d39\u7528\uff1a\u6bcf\u6761\u8def\u5f84\u7684\u771f\u5b9e\u6210\u672c<\/h2>\n<p>\u4e00\u4e9b\u8d39\u7528\u9002\u7528\u4e8e\u6bcf\u4f4d\u4e70\u5bb6\uff1b\u5176\u4ed6\u8d39\u7528\u4ec5\u5728\u878d\u8d44\u65f6\u89e6\u53d1\u3002\u8868\u683c\u5c06\u5b83\u4eec\u5206\u5f00\uff0c\u4ee5\u4fbf\u60a8\u53ef\u4ee5\u770b\u5230\u91c7\u7528\u62b5\u62bc\u8d37\u6b3e\u7684\u771f\u5b9e\u8fb9\u9645\u6210\u672c\u3002<\/p>\n<table>\n<thead>\n<tr>\n<th>\u8d39\u7528<\/th>\n<th>\u91d1\u989d<\/th>\n<th>\u9002\u7528\u5bf9\u8c61<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>DLD\u8f6c\u8ba9\u8d39<\/td>\n<td>\u8d2d\u4e70\u4ef7\u683c\u76844%\uff08+\u5c0f\u989d\u7ba1\u7406\u8d39\uff09<\/td>\n<td>\u6bcf\u4f4d\u4e70\u5bb6<\/td>\n<\/tr>\n<tr>\n<td>\u7269\u4e1a\u767b\u8bb0\u53d7\u6258\u4eba\u8d39<\/td>\n<td>\u7ea6AED 4,000\u20134,200\uff0c\u5305\u62ec\u589e\u503c\u7a0e\uff08\u9500\u552e\u8d85\u8fc7AED 500k\uff09<\/td>\n<td>\u6bcf\u4f4d\u4e70\u5bb6<\/td>\n<\/tr>\n<tr>\n<td>\u4e2d\u4ecb\u4f63\u91d1<\/td>\n<td>\u901a\u5e38\u4e3a\u4ef7\u683c\u76842% + 5%\u589e\u503c\u7a0e<\/td>\n<td>\u6bcf\u4f4d\u4e70\u5bb6\uff08\u4f7f\u7528\u4ee3\u7406\u65f6\uff09<\/td>\n<\/tr>\n<tr>\n<td>\u62b5\u62bc\u8d37\u6b3e\u767b\u8bb0\u8d39<\/td>\n<td>\u8d37\u6b3e\u91d1\u989d\u76840.25% + \u7ea6AED 290\u7ba1\u7406\u8d39<\/td>\n<td>\u4ec5\u62b5\u62bc\u8d37\u6b3e\u4e70\u5bb6<\/td>\n<\/tr>\n<tr>\n<td>\u94f6\u884c\u5904\u7406\/\u5b89\u6392\u8d39<\/td>\n<td>\u7ea61%\u7684\u8d37\u6b3e\uff08\u56e0\u94f6\u884c\u800c\u5f02\uff09<\/td>\n<td>\u4ec5\u62b5\u62bc\u8d37\u6b3e\u4e70\u5bb6<\/td>\n<\/tr>\n<tr>\n<td>\u7269\u4e1a\u8bc4\u4f30\u8d39<\/td>\n<td>\u7ea6AED 2,500\u20133,500<\/td>\n<td>\u4ec5\u62b5\u62bc\u8d37\u6b3e\u4e70\u5bb6<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><em>\u6765\u6e90\uff1a2026\u5e74\u8fea\u62dc\u571f\u5730\u5c40\u8d39\u7528\u6307\u5bfc\u548c\u8d37\u6b3e\u4eba\u8d39\u7528\u8868\uff0c\u6c47\u7f16\u81ea\u5e02\u573a\u548c\u7ecf\u7eaa\u62a5\u544a\u3002\u8bf7\u4e0eDLD\u548c\u60a8\u7684\u94f6\u884c\u786e\u8ba4\u786e\u5207\u6570\u5b57\uff0c\u56e0\u4e3a\u7ba1\u7406\u8d39\u548c\u94f6\u884c\u8d39\u7528\u5404\u4e0d\u76f8\u540c\u3002<\/em><\/p>\n<p>\u5c06\u8fd9\u4e9b\u8d39\u7528\u76f8\u52a0\uff0c\u524d\u671f\u4ea4\u6613\u6210\u672c\u901a\u5e38\u5728\u6d89\u53ca\u4e2d\u4ecb\u65f6\u7ea6\u5360\u8d2d\u4e70\u4ef7\u683c\u76846\u20138%\u3002\u62b5\u62bc\u8d37\u6b3e\u5728\u5171\u4eab\u8d39\u7528\u4e0a\u589e\u52a0\u4e86\u5927\u7ea61.25%\u7684\u8d37\u6b3e\u52a0\u4e0a\u8bc4\u4f30\u8d39\u7528\u2014\u2014\u76f8\u5bf9\u4e8e\u4ef7\u683c\u800c\u8a00\uff0c\u867d\u7136\u4e0d\u5927\uff0c\u4f46\u786e\u5b9e\u5b58\u5728\u3002\u6709\u5173\u9010\u9879\u8be6\u7ec6\u8bf4\u660e\uff0c\u8bf7\u53c2\u89c1<a href=\"https:\/\/arshahomes.com\/the-real-cost-of-buying-property-in-dubai-fees-commission-and-service-charges-explained\/\">\u5728\u8fea\u62dc\u8d2d\u4e70\u7269\u4e1a\u7684\u771f\u5b9e\u6210\u672c<\/a>\u3002<\/p>\n<h2>\u4e00\u4e2a\u793a\u4f8b\u6bd4\u8f83\uff08\u8bf4\u660e\u6027\uff09<\/h2>\n<p>\u4ee5\u4e0b\u6570\u5b57\u662f\u8bf4\u660e\u6027\u5047\u8bbe\uff0c\u800c\u975e\u62a5\u4ef7\uff0c\u65e8\u5728\u5c55\u793a\u673a\u5236\u3002\u5b83\u4eec\u5047\u8bbe\u4e00\u5957AED 3,000,000\u7684\u73b0\u623f\u516c\u5bd3\uff0c\u4e00\u4f4d\u7b26\u5408\u6761\u4ef6\u7684\u5916\u7c4d\u5c45\u6c11\u4e70\u5bb6\u53ef\u83b7\u5f9780%\u7684\u878d\u8d44\uff0c\u5047\u8bbe25\u5e74\u7684\u62b5\u62bc\u8d37\u6b3e\u5229\u7387\u4e3a4.5%\uff0c\u5e76\u4e14\u4e70\u5bb6\u7684\u95f2\u7f6e\u8d44\u91d1\u672c\u6765\u53ef\u4ee5\u83b7\u5f97\u5047\u8bbe\u76847%\u7684\u5e74\u5ea6\u6536\u76ca\u3002\u60a8\u7684\u6570\u5b57\u4f1a\u6709\u6240\u4e0d\u540c\u2014\u2014\u8bf7\u786e\u8ba4\u6bcf\u4e2a\u8f93\u5165\u3002<\/p>\n<table>\n<thead>\n<tr>\n<th>\u9879\u76ee<\/th>\n<th>\u73b0\u91d1\u4e70\u5bb6<\/th>\n<th>\u62b5\u62bc\u8d37\u6b3e\u4e70\u5bb6\uff0880% LTV\uff09<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>\u8d2d\u4e70\u65f6\u6240\u9700\u73b0\u91d1\uff08\u4ef7\u683c\uff09<\/td>\n<td>AED 3,000,000<\/td>\n<td>AED 600,000\uff08\u9996\u4ed8\u6b3e20%\uff09<\/td>\n<\/tr>\n<tr>\n<td>\u8d37\u6b3e\u91d1\u989d<\/td>\n<td>\u2014<\/td>\n<td>AED 2,400,000<\/td>\n<\/tr>\n<tr>\n<td>DLD\u8f6c\u8ba9\u8d39\uff084%\uff09<\/td>\n<td>AED 120,000<\/td>\n<td>AED 120,000<\/td>\n<\/tr>\n<tr>\n<td>\u62b5\u62bc\u8d37\u6b3e\u767b\u8bb0\uff08\u8d37\u6b3e\u76840.25%\uff09<\/td>\n<td>\u2014<\/td>\n<td>AED 6,000\uff08+\u7ba1\u7406\u8d39\uff09<\/td>\n<\/tr>\n<tr>\n<td>\u5927\u7ea6\u6bcf\u6708\u652f\u4ed8<\/td>\n<td>\u65e0<\/td>\n<td>\u7ea6AED 13,300\uff08\u8bf4\u660e\u6027\uff0c\u63094.5% \/ 25\u5e74\u8ba1\u7b97\uff09<\/td>\n<\/tr>\n<tr>\n<td>\u53ef\u81ea\u7531\u6295\u8d44\u7684\u8d44\u672c<\/td>\n<td>\u7ea6AED 0\u989d\u5916<\/td>\n<td>\u7ea6AED 2,400,000<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><em>\u4ee5\u4e0a\u6240\u6709\u6570\u5b57\u5747\u4e3a\u8bf4\u660e\u6027\u5047\u8bbe\uff0c\u4ec5\u4f9b\u89e3\u91ca\uff0c\u975e\u8d22\u52a1\u62a5\u4ef7\u3002\u6bcf\u6708\u652f\u4ed8\u4e3a\u8fd1\u4f3c\u503c\uff1b\u5b9e\u9645\u644a\u9500\u53d6\u51b3\u4e8e\u60a8\u7684\u5229\u7387\u548c\u671f\u9650\u3002<\/em><\/p>\n<p>\u51b3\u7b56\u7684\u5173\u952e\u5728\u4e8e\u60a8\u4fdd\u7559\u7684\u8d44\u672c\u53ef\u80fd\u83b7\u5f97\u7684\u5047\u8bbe7%\u6536\u76ca\u4e0e\u62b5\u62bc\u8d37\u6b3e\u6210\u672c\u5047\u8bbe\u76844.5%\u4e4b\u95f4\u7684\u5dee\u8ddd\u3002\u5982\u679c\u60a8\u7684\u8d44\u672c\u80fd\u591f\u53ef\u9760\u5730\u8d85\u8fc7\u501f\u6b3e\u6210\u672c\uff0c\u5219\u6760\u6746\u53ef\u4ee5\u66f4\u5feb\u5730\u79ef\u7d2f\u8d22\u5bcc\uff1b\u5982\u679c\u4e0d\u80fd\u2014\u2014\u6216\u8005\u5982\u679c\u65e0\u503a\u4e00\u8eab\u8f7b\u7684\u786e\u5b9a\u6027\u5bf9\u60a8\u66f4\u91cd\u8981\u2014\u2014\u90a3\u4e48\u73b0\u91d1\u662f\u66f4\u660e\u667a\u7684\u9009\u62e9\u3002\u8bf7\u6ce8\u610f\uff0c\u201c\u53ef\u80fd\u83b7\u5f977%\u201d\u662f\u4e00\u4e2a\u5047\u8bbe\uff0c\u800c\u975e\u627f\u8bfa\uff1a\u6295\u8d44\u56de\u62a5\u6ca1\u6709\u4fdd\u969c\uff0c\u800c\u62b5\u62bc\u8d37\u6b3e\u652f\u4ed8\u662f\u6709\u4fdd\u969c\u7684\u3002<\/p>\n<h2>\u672a\u5b8c\u5de5\u548c\u4ed8\u6b3e\u8ba1\u5212\uff1a\u4e2d\u95f4\u8def\u5f84<\/h2>\n<p>\u8fd8\u6709\u4e00\u79cd\u4f4d\u4e8e\u73b0\u91d1\u548c\u94f6\u884c\u62b5\u62bc\u8d37\u6b3e\u4e4b\u95f4\u7684\u7b2c\u4e09\u6761\u8def\u5f84\uff1a\u5f00\u53d1\u5546\u7684\u672a\u5b8c\u5de5\u7269\u4e1a\u4ed8\u6b3e\u8ba1\u5212\u3002\u8fd9\u4e9b\u8ba1\u5212\u5c06\u4ef7\u683c\u5206\u6563\u5230\u5efa\u7b51\u91cc\u7a0b\u7891\uff0c\u6709\u65f6\u5728\u4ea4\u63a5\u540e\u4e5f\u4f1a\u5ef6\u7eed\uff0c\u901a\u5e38\u4e0d\u6d89\u53ca\u94f6\u884c\uff0c\u4e5f\u6ca1\u6709\u4f20\u7edf\u610f\u4e49\u4e0a\u7684\u5229\u606f\u3002\u5b83\u4eec\u53ef\u4ee5\u964d\u4f4e\u8fdb\u5165\u65f6\u7684\u73b0\u91d1\u95e8\u69db\uff0c\u4f46\u4e5f\u6709\u5176\u81ea\u8eab\u7684\u98ce\u9669\u2014\u2014\u5efa\u7b51\u65f6\u95f4\u3001\u5f00\u53d1\u5546\u9009\u62e9\u548c\u8f6c\u552e\u6d41\u52a8\u6027\u3002\u6211\u4eec\u5728<a href=\"https:\/\/arshahomes.com\/how-developer-payment-plans-actually-work-in-dubai\/\">\u8fea\u62dc\u5f00\u53d1\u5546\u4ed8\u6b3e\u8ba1\u5212\u7684\u5b9e\u9645\u8fd0\u4f5c\u65b9\u5f0f<\/a>\u4e2d\u89e3\u91ca\u4e86\u673a\u5236\uff0c\u60a8\u8fd8\u53ef\u4ee5\u5728<a 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