{"id":27106,"date":"2025-08-20T15:45:47","date_gmt":"2025-08-20T19:45:47","guid":{"rendered":"https:\/\/website-new.qa.mpowerfinancing.com\/zh\/blog\/whats-a-good-interest-rate-understanding-apr-for-international-students\/"},"modified":"2025-09-18T06:52:52","modified_gmt":"2025-09-18T06:52:52","slug":"whats-a-good-interest-rate-understanding-apr-for-international-students","status":"publish","type":"post","link":"https:\/\/www.mpowerfinancing.com\/zh\/blog\/whats-a-good-interest-rate-understanding-apr-for-international-students\/","title":{"rendered":"\u4ec0\u4e48\u662f\u516c\u5e73\u7684\u5229\u7387\uff1f\u56fd\u9645\u5b66\u751f\u7406\u89e3\u5e74\u5316\u5229\u7387"},"content":{"rendered":"<p class=\"c3\">\u5982\u679c\u4f60\u6b63\u5728\u63a2\u7d22<span class=\"c22\"><a class=\"c11\" href=\"https:\/\/www.mpowerfinancing.com\/zh\/financial-empowerment\/private-international-student-loans\">\u79c1\u4eba\u56fd\u9645\u5b66\u751f\u52a9\u5b66\u91d1<\/a><\/span><span class=\"c2\" style=\"font-weight: 400\">\u00a0\u5728\u7f8e\u56fd\u6216\u52a0\u62ff\u5927\u5b66\u4e60\uff0c\u4f60\u9996\u5148\u770b\u5230\u7684\u4f1a\u662f\u4e00\u4e2a\u5e26\u6709\u767e\u5206\u53f7\u7684\u6570\u5b57\uff1a\u5229\u7387\u3002\u4f46\u662f\u8fd9\u4e2a\u6570\u5b57\u5230\u5e95\u610f\u5473\u7740\u4ec0\u4e48 &#8211; \u4f60\u5982\u4f55\u77e5\u9053\u5b83\u662f\u5426\u201c\u597d\u201d\uff1f<\/span><\/p>\n<p class=\"c3\">\u5bf9\u4e8e\u56fd\u9645\u7814\u7a76\u751f\uff0c\u7406\u89e3<span class=\"c13\" style=\"font-weight: bold\">\u00a0\u5229\u7387\u548cAPR<\/span><span class=\"c2\" style=\"font-weight: 400\">\uff08\u5e74\u767e\u5206\u6bd4\u7387\uff09\u81f3\u5173\u91cd\u8981\u3002\u8fd9\u4e9b\u6570\u5b57\u76f4\u63a5\u5f71\u54cd\u4f60\u968f\u7740\u65f6\u95f4\u7684\u63a8\u79fb\u9700\u8981\u507f\u8fd8\u7684\u91d1\u989d\uff0c\u4f60\u7684\u6708\u4ed8\u6b3e\u6709\u591a\u5927\uff0c\u4ee5\u53ca\u4e00\u4e2a\u52a9\u5b66\u91d1\u63d0\u4f9b\u662f\u5426\u771f\u7684\u6bd4\u53e6\u4e00\u4e2a\u66f4\u597d\u3002<\/span><\/p>\n<p class=\"c3\"><span class=\"c2\" style=\"font-weight: 400\">\u4ee5\u4e0b\u662f\u5982\u4f55\u5206\u89e3\u6240\u6709\u5185\u5bb9\u5e76\u7406\u89e3\u4ec0\u4e48\u662f\u516c\u5e73\u7684\uff0c\u4ec0\u4e48\u662f\u6602\u8d35\u7684\uff0c\u4ee5\u53ca\u9700\u8981\u6ce8\u610f\u4ec0\u4e48\u3002<\/span><\/p>\n<h2 id=\"h.33jgn54epxqg\" class=\"c4\"><span class=\"c24 c13\" style=\"font-weight: bold\">\u5229\u7387\u4e0eAPR\uff1a\u4e86\u89e3\u5dee\u5f02<\/span><\/h2>\n<p class=\"c3\"><span class=\"c13\" style=\"font-weight: bold\">\u5229\u7387<\/span><span class=\"c2\" style=\"font-weight: 400\">\u00a0\u662f\u8d37\u6b3e\u4eba\u6bcf\u5e74\u5bf9\u4f60\u501f\u6b3e\u91d1\u989d\u6536\u53d6\u7684\u767e\u5206\u6bd4\u3002\u8fd9\u662f\u52a9\u5b66\u91d1\u7684\u57fa\u672c\u6210\u672c\u3002<\/span><\/p>\n<p class=\"c3\"><span class=\"c13\" style=\"font-weight: bold\">APR<\/span>\uff0c\u6216<span class=\"c13\" style=\"font-weight: bold\">\u5e74\u767e\u5206\u6bd4\u7387<\/span>\uff0c\u662f<span class=\"c13\" style=\"font-weight: bold\">\u52a9\u5b66\u91d1\u6bcf\u5e74\u7684\u771f\u5b9e\u6210\u672c<\/span>\u00a0\u2013 <span class=\"c2\" style=\"font-weight: 400\">\u5305\u62ec\u5229\u606f\uff0c\u8d39\u7528\u548c\u5176\u4ed6\u4ee5\u5e74\u7387\u8868\u793a\u7684\u6536\u8d39\u3002<\/span><\/p>\n<p class=\"c3\"><span class=\"c2\" style=\"font-weight: 400\">\u793a\u4f8b\uff1a<br \/>\n\u5982\u679c\u4e00\u4e2a\u5b66\u751f\u52a9\u5b66\u91d1\u63d0\u4f9b12%\u7684\u5229\u7387\uff0c\u4f46\u6536\u53d65%\u7684\u53d1\u8d77\u8d39\uff0c\u4f60\u7684APR\u53ef\u80fd\u63a5\u8fd113.5%\u621614%\u3002\u8fd9\u4e2a\u6570\u5b57\u544a\u8bc9\u4f60\u5b9e\u9645\u652f\u4ed8\u7684\u91d1\u989d\u3002<\/span><\/p>\n<p class=\"c3\">\u4e3a\u4ec0\u4e48\u8fd9\u5f88\u91cd\u8981\uff1a<br \/>\n\u8bb8\u591a\u8d37\u6b3e\u4eba\u53ea\u5ba3\u4f20<span class=\"c22\"><a class=\"c11\" href=\"https:\/\/www.mpowerfinancing.com\/zh\/financial-empowerment\/student-loan-interest-rate\">\u5b66\u751f\u52a9\u5b66\u91d1\u5229\u7387<\/a><\/span>\u3002\u4f46\u662f<span class=\"c13\" style=\"font-weight: bold\">\u4f60\u5e94\u8be5\u6bd4\u8f83\u7684\u662fAPR<\/span><span class=\"c2\" style=\"font-weight: 400\">\u00a0\u5728\u63d0\u4f9b\u4e4b\u95f4\u3002\u8fd9\u662f\u4e00\u4e2a\u66f4\u8bda\u5b9e\u7684\u6570\u5b57\uff0c\u8003\u8651\u5230\u8d37\u6b3e\u4eba\u6536\u53d6\u7684\u7533\u8bf7\uff0c\u4fdd\u9669\u548c\u5176\u4ed6\u8d39\u7528\u3002<\/span><\/p>\n<h2 id=\"h.7rt19yggc726\" class=\"c4\"><span class=\"c24 c13\" style=\"font-weight: bold\">\u90a3\u4e48\uff0c\u5bf9\u4e8e\u56fd\u9645\u5b66\u751f\u6765\u8bf4\uff0c\u201c\u597d\u201d\u7684\u5229\u7387\u662f\u591a\u5c11\uff1f<\/span><\/h2>\n<p class=\"c3\">\u8ba9\u6211\u4eec\u5b9e\u8bdd\u5b9e\u8bf4\uff1a<span class=\"c19\">\u5728\u7f8e\u56fd\u548c\u52a0\u62ff\u5927\u7684\u56fd\u9645\u5b66\u751f<\/span>\u65e0\u6cd5\u83b7\u5f97\u653f\u5e9c\u8865\u8d34\u7684\u52a9\u5b66\u91d1\u3002\u8fd9\u610f\u5473\u7740\u4f60\u7684\u5229\u7387\u53ef\u80fd\u4f1a\u6bd4\u7f8e\u56fd\u516c\u6c11\u7684\u52a9\u5b66\u91d1\u9ad8 &#8211; <span class=\"c2\" style=\"font-weight: 400\">\u4f46\u8fd9\u5e76\u4e0d\u610f\u5473\u7740\u5b83\u4eec\u662f\u4e0d\u516c\u5e73\u7684\u3002<\/span><\/p>\n<p class=\"c3\"><span class=\"c2\" style=\"font-weight: 400\">\u4f60\u9700\u8981\u4e86\u89e3\u7684\u662f\uff1a<\/span><\/p>\n<ul class=\"c16 lst-kix_ggz0li2zjynv-0 start\">\n<li class=\"c3 c9 li-bullet-0\">\u5178\u578b\u7684<span class=\"c22\">\u79c1\u4eba\u56fd\u9645\u5b66\u751f\u52a9\u5b66\u91d1<\/span>\u5e74\u5229\u7387\uff08APR\uff09\u5bf9\u4e8e\u56fd\u9645\u5b66\u751f\u6765\u8bf4\uff0c\u56fa\u5b9a\u572811%\u523018%\u4e4b\u95f4\uff08<span class=\"c2\" style=\"font-weight: 400\">\u622a\u81f32024\u5e74\uff09\u3002<br \/>\n<\/span><\/li>\n<li class=\"c3 c9 li-bullet-0\">\u5982\u679c\u6ca1\u6709\u5171\u540c\u7b7e\u7f72\u4eba\uff0c\u5e74\u5229\u7387\uff08APR\uff09\u4f4e\u4e8e10%\u5c31\u88ab\u8ba4\u4e3a\u975e\u5e38\u6709\u7ade\u4e89\u529b\u3002<\/li>\n<li class=\"c3 c9 li-bullet-0\">\u53d8\u52a8\u5229\u7387<span class=\"c2\" style=\"font-weight: 400\">\u53ef\u80fd\u8d77\u521d\u8f83\u4f4e\uff0c\u4f46\u968f\u7740\u65f6\u95f4\u7684\u63a8\u79fb\u53ef\u80fd\u4f1a\u589e\u52a0 &#8211; \u5982\u679c\u4f60\u8ba1\u5212\u5728\u6bd5\u4e1a\u540e\u7559\u4e0b\u6765\u5de5\u4f5c\uff0c\u8fd9\u5c06\u662f\u98ce\u9669\u7684\u3002<br \/>\n<\/span><\/li>\n<li class=\"c3 c9 li-bullet-0\">\u8981\u8b66\u60d5\u90a3\u4e9b\u9700\u8981\u5b8c\u7f8e\u4fe1\u7528\u6216\u7f8e\u56fd\u5171\u540c\u7b7e\u7f72\u4eba\u7684<span class=\"c2\" style=\"font-weight: 400\">\u8bf1\u4eba\u7684\u5229\u7387\u3002<br \/>\n<\/span><\/li>\n<\/ul>\n<p class=\"c3\"><span class=\"c2\" style=\"font-weight: 400\">\u5982\u679c\u4f60\u7684\u52a9\u5b66\u91d1\u8d37\u6b3e\u63d0\u4f9b\u5546\u4e0d\u6e05\u695a\u5730\u663e\u793a\u5e74\u5229\u7387\uff08APR\uff09\uff0c\u6216\u8005\u5728\u53d1\u653e\u524d\u4e0d\u63d0\u4f9b\u5e74\u5229\u7387\uff08APR\uff09\uff0c\u90a3\u5c31\u662f\u4e00\u4e2a\u8b66\u544a\u4fe1\u53f7\u3002<\/span><\/p>\n<h2 id=\"h.c5m50wvqz14o\" class=\"c4\"><span class=\"c24 c13\" style=\"font-weight: bold\">\u4f5c\u4e3a\u56fd\u9645\u5b66\u751f\uff0c\u4ec0\u4e48\u56e0\u7d20\u4f1a\u5f71\u54cd\u4f60\u7684\u5229\u7387\uff1f<\/span><\/h2>\n<p class=\"c3\"><span class=\"c2\" style=\"font-weight: 400\">\u4e0e\u56fd\u5185\u501f\u6b3e\u4eba\u4e0d\u540c\uff0c\u4f60\u53ef\u80fd\u6ca1\u6709\u7f8e\u56fd\u7684\u4fe1\u7528\u8bb0\u5f55\u6216\u672c\u5730\u6536\u5165\u3002\u6240\u4ee5\uff0c\u8d37\u6b3e\u4eba\u4f1a\u8bc4\u4f30\u4f60\u7684\uff1a<\/span><\/p>\n<ul class=\"c16 lst-kix_l0qtz7f1q2ty-0 start\">\n<li class=\"c3 c9 li-bullet-0\"><span class=\"c13\" style=\"font-weight: bold\">\u5927\u5b66\u548c\u5b66\u4f4d\u8bfe\u7a0b<\/span><span class=\"c2\" style=\"font-weight: 400\">\uff08STEM\u548cMBA\u8bfe\u7a0b\u901a\u5e38\u6709\u66f4\u597d\u7684\u9884\u671f\u7ed3\u679c\uff09<br \/>\n<\/span><\/li>\n<li class=\"c3 c9 li-bullet-0\"><span class=\"c7\" style=\"font-weight: bold\">\u5b66\u4e60\u9886\u57df\u548c\u5c31\u4e1a\u524d\u666f<br \/>\n<\/span><\/li>\n<li class=\"c3 c9 li-bullet-0\"><span class=\"c7\" style=\"font-weight: bold\">\u7b7e\u8bc1\u7c7b\u578b\u548c\u5de5\u4f5c\u8d44\u683c<br \/>\n<\/span><\/li>\n<li class=\"c3 c9 li-bullet-0\"><span class=\"c7\" style=\"font-weight: bold\">\u52a9\u5b66\u91d1\u91d1\u989d\u548c\u671f\u9650<br \/>\n<\/span><\/li>\n<li class=\"c3 c9 li-bullet-0\"><span class=\"c7\" style=\"font-weight: bold\">\u4f60\u662f\u5426\u6709\u5171\u540c\u7b7e\u7f72\u4eba<br \/>\n<\/span><\/li>\n<\/ul>\n<p class=\"c3\">\u50cfMPOWER Financing\u8fd9\u6837\u7684\u4f7f\u547d\u9a71\u52a8\u578b\u8d37\u6b3e\u4eba\u4f1a\u6839\u636e\u4f60\u7684<span class=\"c13\" style=\"font-weight: bold\">\u672a\u6765\u6f5c\u529b<\/span><span class=\"c2\" style=\"font-weight: 400\">\uff0c\u800c\u4e0d\u4ec5\u4ec5\u662f\u4f60\u7684\u8d22\u52a1\u5386\u53f2\u6765\u786e\u5b9a\u4f60\u7684\u8d44\u683c\u3002<\/span><\/p>\n<h2 id=\"h.v9aoo19k23rw\" class=\"c4\"><span class=\"c24 c13\" style=\"font-weight: bold\">\u4e0d\u8981\u53ea\u770b\u5229\u7387 &#8211; 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