{"id":25643,"date":"2023-09-05T03:07:15","date_gmt":"2023-09-05T07:07:15","guid":{"rendered":"https:\/\/website-new.qa.mpowerfinancing.com\/zh\/blog\/can-international-students-refinance-a-loan\/"},"modified":"2025-08-07T12:57:55","modified_gmt":"2025-08-07T12:57:55","slug":"can-international-students-refinance-a-loan","status":"publish","type":"post","link":"https:\/\/www.mpowerfinancing.com\/zh\/blog\/can-international-students-refinance-a-loan\/","title":{"rendered":"\u56fd\u9645\u5b66\u751f\u53ef\u4ee5\u91cd\u65b0\u878d\u8d44\u52a9\u5b66\u91d1\u5417\uff1f"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">\u507f\u8fd8\u52a9\u5b66\u91d1\u53ef\u80fd\u4f1a\u8ba9\u4eba\u611f\u5230\u538b\u529b\u91cd\u91cd\uff0c\u7279\u522b\u662f\u5982\u679c\u4f60\u662f\u4e00\u540d\u56fd\u9645\u5b66\u751f\uff0c\u9700\u8981\u5411\u6d77\u5916\u7684\u8d37\u6b3e\u673a\u6784\u53d1\u9001\u4ed8\u6b3e\u3002\u9664\u4e86\u4f60\u7684\u52a9\u5b66\u91d1\u4ed8\u6b3e\uff0c\u4f60\u53ef\u80fd\u8fd8\u9700\u8981\u5904\u7406\u56fd\u9645\u94f6\u884c\u8d39\u7528\uff0c\u6ce2\u52a8\u7684\u6c47\u7387\u548c\u4e0d\u65ad\u4e0a\u6da8\u7684\u53ef\u53d8\u5229\u7387\u3002<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u4f60\u53ef\u80fd\u4f1a\u8003\u8651\u7684\u4e00\u4e2a\u51cf\u8f7b\u8d1f\u62c5\u7684\u9009\u9879\u662f\u52a9\u5b66\u91d1\u91cd\u65b0\u878d\u8d44\u3002\u901a\u8fc7\u7528\u7f8e\u56fd\u7684\u8d37\u6b3e\u673a\u6784\u91cd\u65b0\u878d\u8d44\u4f60\u7684\u52a9\u5b66\u91d1\uff0c\u4f60\u53ef\u4ee5\u5728\u7f8e\u56fd\u507f\u8fd8\u4f60\u7684\u52a9\u5b66\u91d1\uff0c\u5e76\u53ef\u80fd\u9009\u62e9\u66f4\u9002\u5408\u4f60\u7684\u9884\u7b97\u548c\u503a\u52a1\u507f\u8fd8\u76ee\u6807\u7684\u65b0\u7684\u507f\u8fd8\u6761\u6b3e\u3002<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u867d\u7136\u56fd\u9645\u5b66\u751f\u53ef\u4ee5\u5728\u7f8e\u56fd\u91cd\u65b0\u878d\u8d44\u52a9\u5b66\u91d1\uff0c\u4f46\u4ed6\u4eec\u9996\u5148\u53ef\u80fd\u9700\u8981\u8df3\u8fc7\u4e00\u4e9b\u969c\u788d\u624d\u80fd\u83b7\u5f97\u8d44\u683c\u3002\u4ee5\u4e0b\u662f\u4f5c\u4e3a\u56fd\u9645\u5b66\u751f\u91cd\u65b0\u878d\u8d44\u52a9\u5b66\u91d1\u7684\u66f4\u8be6\u7ec6\u7684\u4ecb\u7ecd\u3002<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">\u56fd\u9645\u5b66\u751f\u53ef\u4ee5\u91cd\u65b0\u878d\u8d44\u52a9\u5b66\u91d1\u5417\uff1f<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">\u56fd\u9645\u5b66\u751f\u53ef\u4ee5\u5728\u7f8e\u56fd\u91cd\u65b0\u878d\u8d44\u4ed6\u4eec\u7684\u52a9\u5b66\u91d1\uff0c\u4f46\u4ed6\u4eec\u53ef\u80fd\u9700\u8981\u6ee1\u8db3\u6bd4\u56fd\u5185\u5b66\u751f\u66f4\u4e25\u683c\u7684\u8981\u6c42\u3002\u4f8b\u5982\uff0c\u8bb8\u591a\u7f8e\u56fd\u8d37\u6b3e\u673a\u6784\u8981\u6c42\u56fd\u9645\u5b66\u751f\u7533\u8bf7\u65f6\u6709\u4e00\u4e2a\u662f\u7f8e\u56fd\u516c\u6c11\u6216\u6c38\u4e45\u5c45\u6c11\u7684\u5171\u540c\u7b7e\u7f72\u4eba\u3002\u8fd9\u4e2a\u5171\u540c\u7b7e\u7f72\u4eba\u8fd8\u9700\u8981\u6709670\u6216\u66f4\u9ad8\u7684\u4fe1\u7528\u8bc4\u5206\u3002<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u5728\u4f60\u7684\u7533\u8bf7\u4e2d\u6dfb\u52a0\u4e00\u4e2a\u5171\u540c\u7b7e\u7f72\u4eba\u53ef\u4ee5\u5e2e\u52a9\u4f60\u83b7\u5f97\u52a9\u5b66\u91d1\u91cd\u65b0\u878d\u8d44\u7684\u8d44\u683c\uff0c\u4f46\u8fd9\u79cd\u65b9\u6cd5\u53ef\u80fd\u5e76\u4e0d\u7406\u60f3\u3002\u9996\u5148\uff0c\u4e0d\u662f\u6bcf\u4e2a\u56fd\u9645\u5b66\u751f\u90fd\u8ba4\u8bc6\u613f\u610f\u5728\u7f8e\u56fd\u5171\u540c\u7b7e\u7f72\u503a\u52a1\u7684\u4eba\u3002\u5176\u6b21\uff0c\u8981\u6c42\u67d0\u4eba\u5171\u540c\u7b7e\u7f72\u52a9\u5b66\u91d1\u662f\u4e00\u4e2a\u76f8\u5f53\u5927\u7684\u8bf7\u6c42\uff0c\u56e0\u4e3a\u90a3\u4e2a\u4eba\u5c06\u5bf9\u4f60\u7684\u503a\u52a1\u8d1f\u540c\u7b49\u8d23\u4efb\u3002<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u5982\u679c\u4f60\u7684\u4ed8\u6b3e\u843d\u540e\uff0c\u4ed6\u4eec\u7684\u4fe1\u7528\u5c06\u53d7\u5230\u5f71\u54cd\uff0c\u8d37\u6b3e\u673a\u6784\u5c06\u671f\u671b\u4ed6\u4eec\u5f00\u59cb\u652f\u4ed8\u3002\u5982\u679c\u4f60\u5728\u7f8e\u56fd\u751f\u6d3b\u548c\u5de5\u4f5c\uff0c\u4f60\u53ef\u80fd\u4f1a\u89c9\u5f97\u51c6\u5907\u597d\u81ea\u5df1\u7ba1\u7406\u4f60\u7684\u52a9\u5b66\u91d1\uff0c\u800c\u4e0d\u5fc5\u8ba9\u4efb\u4f55\u5176\u4ed6\u4eba\u627f\u62c5\u4f60\u7684\u6559\u80b2\u503a\u52a1\u3002<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">\u4f60\u53ef\u4ee5\u4e0d\u9700\u8981\u5171\u540c\u7b7e\u7f72\u4eba\u91cd\u65b0\u878d\u8d44\u52a9\u5b66\u91d1\u5417\uff1f<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">\u5982\u679c\u4f60\u6ca1\u6709\u5171\u540c\u7b7e\u7f72\u4eba\uff08\u6216\u8005\u4e0d\u60f3\u548c\u5171\u540c\u7b7e\u7f72\u4eba\u4e00\u8d77\u91cd\u65b0\u878d\u8d44\u52a9\u5b66\u91d1\uff09\uff0c\u4e0d\u7528\u62c5\u5fc3 &#8211; \u4f60\u6709\u9009\u62e9\u3002\u4e00\u4e9b\u8d37\u6b3e\u673a\u6784\u63d0\u4f9b\u7ed9\u56fd\u9645\u5b66\u751f\u65e0\u5171\u540c\u7b7e\u7f72\u4eba\u7684\u8d37\u6b3e\uff0c\u4ee5\u5e2e\u52a9\u4ed6\u4eec\u81ea\u5df1\u4eab\u53d7\u91cd\u65b0\u878d\u8d44\u7684\u597d\u5904\u3002<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u4f8b\u5982\uff0cMPOWER Financing\u4e13\u95e8\u4e3a\u56fd\u9645\u5b66\u751f\u8bbe\u8ba1\u4e86\u4e00\u4e2a\u65e0\u9700\u5171\u540c\u7b7e\u7f72\u4eba\u6216\u62b5\u62bc\u7684\u52a9\u5b66\u91d1\u91cd\u65b0\u878d\u8d44\u8ba1\u5212\u3002\u901a\u8fc7\u4e0eMPOWER\u91cd\u65b0\u878d\u8d44\uff0c\u4f60\u53ef\u4ee5\u83b7\u5f97\u56fa\u5b9a\u7684\u5229\u7387\u548c\u53ef\u9884\u6d4b\u7684\u6708\u4ed8\u6b3e\u3002<\/span><\/p>\n<p><span style=\"font-weight: 400;\">MPOWER\u8fd8\u4f1a\u5411\u4fe1\u7528\u673a\u6784\u62a5\u544a\u4f60\u7684\u4ed8\u6b3e\uff0c\u6240\u4ee5\u6309\u65f6\u4ed8\u6b3e\u53ef\u4ee5\u5e2e\u52a9\u4f60\u5728\u7f8e\u56fd\u5efa\u7acb\u548c\u63d0\u9ad8\u4f60\u7684\u4fe1\u7528\u5386\u53f2\u548c\u8bc4\u5206\u3002\u5efa\u7acb\u548c\u63d0\u9ad8\u4f60\u7684\u4fe1\u7528\u53ef\u4ee5\u4f7f\u4f60\u66f4\u5bb9\u6613\u83b7\u5f97\u4fe1\u7528\u5361\uff0c\u83b7\u5f97\u8d37\u6b3e\u6216\u5728\u672a\u6765\u83b7\u5f97\u5176\u4ed6\u91d1\u878d\u4ea7\u54c1\u3002<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u6b64\u5916\uff0c\u4f60\u4e0d\u518d\u9700\u8981\u5411\u4f60\u7684\u6bcd\u56fd\u7684\u8d37\u6b3e\u673a\u6784\u53d1\u9001\u56fd\u9645\u4ed8\u6b3e\u3002\u5982\u679c\u4f60\u7684\u96c7\u4e3b\u63d0\u4f9b\u4efb\u4f55\u52a9\u5b66\u91d1\u507f\u8fd8\u63f4\u52a9\uff0c\u4f60\u7684\u65b0\u7684\u57fa\u4e8e\u7f8e\u56fd\u7684\u52a9\u5b66\u91d1\u5e94\u8be5\u6709\u8d44\u683c\u83b7\u5f97\u8fd9\u79cd\u798f\u5229\u3002<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">\u5982\u4f55\u91cd\u65b0\u878d\u8d44\u4f60\u7684\u56fd\u9645\u52a9\u5b66\u91d1\uff1a3\u79cd\u65b9\u6cd5<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">\u5982\u679c\u4f60\u60f3\u91cd\u65b0\u878d\u8d44\u4f60\u7684\u56fd\u9645\u52a9\u5b66\u91d1\uff0c\u4f60\u53ef\u4ee5\u91c7\u53d6\u4e09\u79cd\u65b9\u6cd5\uff1a<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">1. \u7533\u8bf7\u4e13\u95e8\u4e3a\u56fd\u9645\u5b66\u751f\u63d0\u4f9b\u52a9\u5b66\u91d1\u91cd\u65b0\u878d\u8d44\u7684\u8d37\u6b3e\u673a\u6784<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">\u4f60\u53ef\u4ee5\u91c7\u53d6\u7684\u4e00\u79cd\u65b9\u6cd5\u662f\u627e\u5230\u4e00\u4e2a\u4e13\u95e8\u4e3a\u56fd\u9645\u5b66\u751f\u91cd\u65b0\u878d\u8d44\u52a9\u5b66\u91d1\u7684\u8d37\u6b3e\u673a\u6784\u3002\u5982\u524d\u6240\u8ff0\uff0cMPOWER Financing\u4e3a\u56fd\u9645\u5b66\u751f\u63d0\u4f9b\u8d37\u6b3e\uff0c\u65e0\u9700\u5171\u540c\u7b7e\u7f72\u4eba\u6216\u62b5\u62bc\u3002<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u8981\u83b7\u5f97\u8d44\u683c\uff0c\u4f60\u9700\u8981\uff1a<\/span><\/p>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u662f\u5728\u7f8e\u56fd\u751f\u6d3b\u7684\u5927\u5b66\u6bd5\u4e1a\u751f\uff0c\u6709\u81f3\u5c11\u4e09\u4e2a\u6708\u7684\u5168\u804c\u5de5\u4f5c\u7ecf\u5386\u3002<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u6301\u6709\u6709\u6548\u7684\u7b7e\u8bc1\uff08\u5305\u62ec\u53ef\u9009\u5b9e\u4e60\u8bad\u7ec3\uff08OPT\uff09\uff0cH1-B\uff0cPGWP\u7b49\uff09\u6216\u662fDACA\u63a5\u6536\u8005\uff0c\u7f8e\u56fd\u516c\u6c11\uff0c\u96be\u6c11\u6216\u5bfb\u6c42\u5e87\u62a4\u8005\u3002<\/span><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">\u4f60\u53ef\u4ee5\u68c0\u67e5\u4f60\u7684\u8d44\u683c\u5e76<\/span><a href=\"https:\/\/refinance.mpowerfinancing.com\/\"><span style=\"font-weight: 400;\">\u76f4\u63a5\u5728MPOWER\u7684\u7f51\u7ad9\u4e0a\u7533\u8bf7<\/span><\/a><span style=\"font-weight: 400;\">\u3002<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">2. \u7533\u8bf7\u5171\u540c\u7b7e\u7f72\u4eba\u7684\u52a9\u5b66\u91d1\u91cd\u65b0\u878d\u8d44<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">\u53e6\u4e00\u4e2a\u9009\u62e9\u662f\u7533\u8bf7\u5171\u540c\u7b7e\u7f72\u4eba\u7684\u52a9\u5b66\u91d1\u91cd\u65b0\u878d\u8d44\u3002\u4f60\u53ef\u4ee5\u5728\u613f\u610f\u4e0e\u5171\u540c\u7b7e\u7f72\u4eba\u4e00\u8d77\u91cd\u65b0\u878d\u8d44\u56fd\u9645\u52a9\u5b66\u91d1\u7684\u8d37\u6b3e\u673a\u6784\u4e4b\u95f4\u8fdb\u884c\u6bd4\u8f83\uff0c\u5e76\u68c0\u67e5\u4ed6\u4eec\u7684\u4e2a\u522b\u8981\u6c42\u3002<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u4f60\u901a\u5e38\u53ef\u4ee5\u901a\u8fc7\u586b\u5199\u5728\u7ebf\u7533\u8bf7\u8868\u683c\u548c\u63d0\u4ea4\u4efb\u4f55\u6240\u9700\u7684\u6587\u4ef6\uff0c\u5982\u5de5\u8d44\u5355\uff0c\u94f6\u884c\u5bf9\u8d26\u5355\u6216\u6bd5\u4e1a\u8bc1\u660e\uff0c\u8fdb\u884c\u7533\u8bf7\u3002<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">3. \u5efa\u7acb\u4f60\u7684\u7f8e\u56fd\u4fe1\u7528\u5386\u53f2<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">\u6700\u540e\uff0c\u4f60\u53ef\u4ee5\u52aa\u529b\u5efa\u7acb\u4f60\u7684\u7f8e\u56fd\u4fe1\u7528\u5386\u53f2\uff0c\u4ee5\u4fbf\u4f60\u53ef\u4ee5\u81ea\u5df1\u6ee1\u8db3\u8d37\u6b3e\u673a\u6784\u7684\u4fe1\u7528\u8981\u6c42\u3002\u5f00\u59cb\u5efa\u7acb\u4fe1\u7528\u7684\u4e00\u79cd\u65b9\u5f0f\u662f\u5f00\u7acb\u4e00\u4e2a\u62c5\u4fdd\u4fe1\u7528\u5361\uff0c\u5e76\u6bcf\u4e2a\u6708\u6309\u65f6\u652f\u4ed8\u8d26\u5355\u3002\u4f60\u4e5f\u53ef\u4ee5\u6ce8\u518c\u4e00\u4e2a\u5c06\u4f60\u7684\u79df\u91d1\u6216\u516c\u7528\u4e8b\u4e1a\u4ed8\u6b3e\u62a5\u544a\u7ed9\u4fe1\u7528\u673a\u6784\u7684\u670d\u52a1\u3002<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u6309\u65f6\u652f\u4ed8\u4f60\u7684\u8d37\u6b3e\u548c\u79df\u91d1\uff0c\u4ee5\u53ca\u4fdd\u6301\u4f60\u7684\u4fe1\u7528\u5229\u7528\u7387\u4f4e\u4e8e30%\uff0c\u53ef\u4ee5\u5e2e\u52a9\u4f60\u968f\u7740\u65f6\u95f4\u7684\u63a8\u79fb\u63d0\u9ad8\u4f60\u7684\u4fe1\u7528\u8bc4\u5206\uff0c\u5e76\u4f7f\u4f60\u66f4\u5bb9\u6613\u83b7\u5f97\u8d37\u6b3e\u3002<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">\u52a9\u5b66\u91d1\u91cd\u65b0\u878d\u8d44\u9002\u5408\u4f60\u5417\uff1f<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">\u5982\u679c\u4f60\u5e0c\u671b\u964d\u4f4e\u4f60\u7684\u52a9\u5b66\u91d1\u7684\u5229\u7387 &#8211; \u6216\u8005\u5e0c\u671b\u4ece\u53ef\u53d8\u5229\u7387\u5207\u6362\u5230\u56fa\u5b9a\u5229\u7387 &#8211; \u52a9\u5b66\u91d1\u91cd\u65b0\u878d\u8d44\u53ef\u80fd\u662f\u4e00\u4e2a\u660e\u667a\u7684\u9009\u62e9\u3002\u4f60\u53ef\u4ee5\u5728\u8d37\u6b3e\u673a\u6784\u4e4b\u95f4\u6bd4\u8f83\uff0c\u770b\u770b\u4f60\u662f\u5426\u53ef\u4ee5\u83b7\u5f97\u66f4\u597d\u7684\u5229\u7387\u5e76\u964d\u4f4e\u4f60\u7684\u957f\u671f\u52a9\u5b66\u91d1\u6210\u672c\u3002<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u60f3\u4e86\u89e3\u66f4\u591a\u7684\u597d\u5904\uff0c\u8bf7\u67e5\u770b\u8fd9<\/span><a href=\"https:\/\/www.mpowerfinancing.com\/blog\/5-reasons-to-refinance-your-international-student-loans\"><span style=\"font-weight: 400;\">\u4e94\u4e2a\u91cd\u65b0\u878d\u8d44\u56fd\u9645\u52a9\u5b66\u91d1\u7684\u7406\u7531<\/span><\/a><span style=\"font-weight: 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