复利的核心就是赚取的利息会加入本金进入下一轮的计算<\/strong>，由此实现所谓“利滚利”<\/strong>。 <\/p>\n\n\n\n

举个例子：如果房价每年增长5%，这就不是简单的加法，而是复利增长（第二年是基于更高的价格继续涨）。 <\/p>\n\n\n

\n
$\"木块上标有巴仙率，显示了增长\"$ <\/figure>\n<\/div>\n\n\n
将房价的数额套用进公式 S = P(1 + i)^n <\/strong> <\/p>\n\n\n\n
【其中： S = 本利和，P = 本金，i = 年利率（也就是复合年增长率，CAGR ），n = 年数】 <\/p>\n\n\n\n
S = 500,000 (1+5%) ^ 10 <\/strong><\/p>\n\n\n\n
S = 814,448 <\/strong><\/p>\n\n\n\n
意思就是说RM500,000的房产如果每年涨个5%，十年后的房价会涨至约RM814,448。 <\/p>\n\n\n\n
这就是复利的威力——本金越多、时间越久，钱就越会“自己生钱”，最后滚出来的本利和惊人地高<\/strong>。 <\/p>\n\n\n\n
2. 复利在房地产中是如何运作的？<\/strong> <\/h2>\n\n\n\n
房地产业内的复利主要是通过资本增值（Capital Appreciation）和租金回报（Rental Yield）<\/strong>共同产生。 <\/p>\n\n\n\n
意思就是说，房价升值将带动整体资产净值上涨<\/strong>，进而使租金随着时间的增长而提高<\/strong>。 <\/p>\n\n\n\n
i. 两个不同方向的复利：<\/strong>房贷的利息 vs 房产的升值<\/strong> <\/h4>\n\n\n\n
鲜少有人可以现金买房，多数人会涉及房贷，但是如果涉及房贷，买家也需要特别留意房贷那一方面的利息。因为，房贷与复利的关系其实是一体两面<\/strong>。 <\/p>\n\n\n\n
房贷利息<\/strong>代表的是你付给银行的“负复利”<\/strong>，而房产升值<\/strong>则是你赚到的“正复利”<\/strong>。 <\/p>\n\n\n\n
当你以贷款买房时，银行每年会对剩余本金计算利息，这让你在还款期间持续承担复利成本<\/strong>；但与此同时，你的房产价值也可能以每年3%至5%的速度增长<\/strong>。 <\/p>\n\n\n\n
若房产升值率高于贷款利率<\/strong>，你就成功利用“杠杆效应”<\/strong>让银行的钱为你赚取复利收益。 <\/p>\n\n\n\n
相反，如果房价停滞或下跌，而利息依旧累积，你的复利便在流向银行<\/strong>而非自己。 <\/p>\n\n\n
\n
$\"贷款球打翻了房子\"$ <\/figure>\n<\/div>\n\n\n
项目 <\/strong><\/td> 性质 <\/strong><\/td> 年增长方向 <\/strong><\/td> 代表谁赚钱 <\/strong><\/td><\/tr>
房贷利息 <\/td> 成本 <\/td> 负向复利（你付出） <\/td> 银行 <\/td><\/tr>
房产升值 <\/td> 收益 <\/td> 正向复利（你赚取） <\/td> 你 <\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n
聪明的投资者也会采取买房出租<\/a>这个策略，让租金覆盖房贷支出，并长期持有资产，让时间成为助力，使正复利最终战胜负复利。 <\/p>\n\n\n\n
3. 什么因素影响房地产复利的增长？<\/strong> <\/h2>\n\n\n\n
房地产的复利增长并不是固定的，也会受一些因素影响而有所波动。 <\/p>\n\n\n\n
i. 通货膨胀与建筑成本上升<\/strong> <\/h4>\n\n\n
\n
$\"建筑工程\"$ <\/figure>\n<\/div>\n\n\n
在经济系统中，通货膨胀几乎是不可避免的。当整体物价水平上涨，建筑材料如水泥、钢铁、玻璃、人工成本也会随之提高。 <\/p>\n\n\n\n
这意味着开发商在未来建房时所需成本更高，从而推高新房售价。 <\/p>\n\n\n\n
即使是旧房，它的市场价值也会被新房价格“抬高”，<\/strong>形成所谓的“成本传导效应”<\/strong>。 <\/p>\n\n\n\n
因此，在长期通胀环境下，房价往往呈现出稳定上升的复利趋势。 <\/p>\n\n\n\n
换句话说，通胀吃掉了货币购买力，却提升了房产的资产价值。 <\/p>\n\n\n\n
ii. 人口增长与城市化<\/strong> <\/h4>\n\n\n
\n
$\"人山人海\"$ <\/figure>\n<\/div>\n\n\n
随着马来西亚人口持续增长、年轻群体进入买房阶段，以及城市化率逐年提升，对住房的需求也在持续扩大。<\/strong> <\/p>\n\n\n\n
尤其是在吉隆坡、槟城、柔佛新山等核心城市，人口迁入带动住宅需求，供不应求的状态使房价具备长期复利增长基础。 <\/p>\n\n\n\n
举例来说，马来西亚城市化率从1990年的50%已增长至接近80%，意味着越来越多家庭需要在城市定居与置业。 <\/p>\n\n\n\n
这种结构性需求<\/strong>比短期炒作更有力量，是房价能持续上涨的重要根基。 <\/p>\n\n\n\n
iii. 政府政策与经济周期<\/strong> <\/h4>\n\n\n\n
$\"马来西亚国家银行\"$ <\/figure>\n<\/div>\n\n\n
房地产的复利增长虽然受供需与成本驱动，但政策与经济环境会决定它的“快或慢”。 <\/p>\n\n\n\n
当经济周期向好、就业稳定、利率（OPR）<\/a>维持低水平时，贷款成本较低，买房需求自然提升，房价增长速度也会加快。 <\/p>\n\n\n\n
相反，当通胀高企、OPR上调时，借贷成本上升、买家放缓入市，房价增长会趋于平稳或短暂放缓。<\/strong> <\/p>\n\n\n\n
此外，政府推出的政策如首购族激励计划（My First Home Scheme）、房贷担保计划（SJKP）、或外国人购房门槛调整，都会影响市场信心与交易活跃度。 <\/p>\n\n\n\n
这类政策周期会让房地产市场在不同阶段呈现“复利增长的波动曲线”，但长期趋势仍然向上。 <\/p>\n\n\n\n
iv. 地段发展<\/strong> <\/h4>\n\n\n
\n
$\"吉隆坡市\"$ <\/figure>\n<\/div>\n\n\n
在房地产领域中，地段始终是决定房价升值潜力的核心。基础设施与区域发展项目如ECRL（东海岸铁路）<\/strong>、MRT 3 捷运网络<\/strong>以及RTS Link（柔新捷运连线）<\/strong>，在将来不仅会改善交通便利性，也直接带动周边区域的经济活力与人口流入。 <\/p>\n\n\n\n
当一个地区因新交通枢纽、商业中心或教育设施而变得更容易到达、更适合居住，房价往往会随之产生“地段复利效应”——也就是价值逐步累积、持续上升的现象。 <\/p>\n\n\n\n
4. 现在的复利力量还和以前一样强吗？<\/strong> <\/h2>\n\n\n\n
很多人也会好奇，如果这位叔叔的故事发生在今天，还能赚到那样的回报吗？ <\/p>\n\n\n\n
其实时代变了，复利仍在运作，但受通胀、利率与市场周期等影响<\/strong>，如今的房地产回报更趋稳健<\/strong>，不再像过去那样爆发式上涨。<\/strong> <\/p>\n\n\n\n
i. 过去的房产投资情况<\/strong> <\/h4>\n\n\n\n
回顾1970年代，房产价格相对便宜，但是贷款利率却很高，普遍在10 – 11%。<\/strong> <\/p>\n\n\n
\n
$\"70年代的吉隆坡市\"$ <\/figure>\n<\/div>\n\n\n
但是，在那个年代，马来西亚甚至全球正处于经济快速发展的阶段——因此，虽然贷款成本高，但是整体的经济正在扩张，房价上涨的速度通常比贷款利息更快。<\/strong> <\/p>\n\n\n\n
那在当时到底为什么还是赚钱的？让我们举个例子： <\/p>\n\n\n\n
假设现下是1975年，买家贷款了RM36,000（90%贷款），每年利息是RM3,600，乍一看很多，但那时期通胀高、货币贬值、经济成长快，房价平均每年涨约 8%–12%。<\/strong> <\/p>\n\n\n\n
房价涨幅巴仙率使房子每年升值RM3,200–RM4,800，几乎抵消了利息支出。再过10–20年，这个RM40,000的房子可能升值到RM400,000或以上。 <\/p>\n\n\n\n
虽然房产利率高，但是房产升值的速度快过贷款利息升涨的速度<\/strong>，因此那位叔叔实现了回本的情况。 <\/p>\n\n\n\n
ii. 现下的房产投资情况<\/strong> <\/h4>\n\n\n\n
为什么说以现在的情况难以实现像那位叔叔“赚回本”的情况？ <\/p>\n\n\n
\n
$\"现代吉隆坡市\"$ <\/figure>\n<\/div>\n\n\n
以吉隆坡为例，现在一间排屋需要大约RM700,000，房贷的利率低至大约3-4%<\/strong>，和银行借房贷的成本低；但是关键是房价的增幅也随着放缓，年涨只是大约2-4%<\/strong>。 <\/p>\n\n\n\n
这种情况就是：虽然借钱便宜，但是房产的升值缓慢；利润空间被压缩，复利周期也因此被拉长。<\/strong> <\/p>\n\n\n\n
把从前和现在放在一起我们也可以看出一个现象： <\/p>\n\n\n\n
过去的情况：“高利率 + 高升值”<\/strong>，所以投资依然划算。 <\/p>\n\n\n\n
现在的情况：“低利率 + 低升值”<\/strong>，投资需要更精准的策略。 <\/p>\n\n\n\n
5. 现下买房投资需要注意什么？<\/strong> <\/h2>\n\n\n\n
在现今房产投资里的复利情况虽然不如从前这么“吃香”，但是关注在这几点，房产也是具备很高的发展价值的。 <\/p>\n\n\n\n
如今的买房投资已不再只是“等房价涨”，而是一门讲求规划与策略的长期布局<\/strong>。 <\/p>\n\n\n
\n
$\"雪隆区公寓大楼\"$ <\/figure>\n<\/div>\n\n\n
现金流与贷款能力<\/strong>是首要考量，必须确保DSR健康，才能应对利率变动带来的压力。 <\/p>\n\n\n\n
OPR走势与贷款利率<\/strong>直接影响供款与市场信心，而地段与基础设施发展<\/strong>如ECRL、MRT3及RTS 捷运则决定房价的长期升值潜力。 <\/p>\n\n\n\n
投资者也应该关注租金回报率与现金流平衡<\/strong>，让租金足以覆盖贷款与维护成本。 <\/p>\n\n\n\n
与此同时，政策、通胀与隐藏费用<\/strong>（如RPGT、印花税及管理费<\/a>）都会影响整体回酬。 <\/p>\n\n\n\n
除此之外，不同的房子类型，不管是排屋、服务式公寓、商业单位等也各有不同风险与税务影响<\/strong>。因此都强烈推荐选择知名开发商<\/a>下的住宅，往往具备更强维护与保值力。 <\/p>\n\n\n\n
6. 为什么房地产投资在长期复利“比赛”中更好？<\/strong> <\/h2>\n\n\n\n
使用复利计算的投资如股票，虚拟货币<\/strong>等的回报都更可观，那为什么说房地产是最稳定的长期投资呢？ <\/p>\n\n\n\n
这当中的关键就在于稳定性、实用性与杠杆效应。<\/strong> <\/p>\n\n\n
\n
$\"从RM37k到RM1.8M：一间房子揭开复利对房价的威力！\"$ <\/figure>\n<\/div>\n\n\n
相较股票或虚拟资产，房价波动较小<\/strong>；房产不仅能升值，还可以自住或出租<\/strong>，形成稳定现金流；而房贷杠杆则让小本金也能撬动大资产，放大复利回报。 <\/p>\n\n\n\n
此外，在马来西亚约2–3%<\/strong>的通胀环境下，房地产具备抗通胀与保值功能<\/strong>，能在物价上涨时维持甚至提升资产价值。 <\/p>\n\n\n\n
以复利思维长期持有房产，将房价升值、租金增长与通胀效应叠加计算，10年潜在回报率可轻松翻倍。正因如此，聪明的投资者更倾向于长期持有，让时间成为财富增长的最大助力。 <\/p>\n\n\n\n
\n\n\n\n
复利确实力量强大，但也受大环境的影响。<\/strong>这也解释了为什么以上叔叔的例子并不适用于当今的情况。 <\/p>\n\n\n\n
虽说如此，但是房子还是具有升值价值的。在复利因素的驱使下，同等于时间赋予投资者最强大的工具。<\/strong> <\/p>\n\n\n\n
只要方向正确、耐心持有<\/strong>，复利就会在不知不觉中放大回报<\/strong>。 <\/p>\n\n\n\n
房地产正是这场“时间的游戏”中最稳健的赛道之一——它不仅能满足居住需求，更能在岁月累积下持续增值，成为人生中最可靠的长期资产。 <\/p>\n\n\n\n
让时间替你工作，让房地产替你创造复利，这才是真正的聪明投资。 <\/p>\n\n\n\n<\/iframe>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-常见问题-faq-nbsp\"><strong>常见问题（FAQ）：<\/strong> <\/h2>\n\n\n\n<div class=\"wp-block-esab-accordion esab-lklv3bhq\" data-mode=\"global\"><div class=\"esab__container\">\n<div class=\"wp-block-esab-accordion-child\"><div class=\"esab__head\" role=\"button\" aria-expanded=\"false\"><div class=\"esab__heading_txt\"><p class=\"esab__heading_tag\"><strong>1. 目前马来西亚房贷的平均利率是多少？<\/strong> <\/p><\/div><div class=\"esab__icon\"><div class=\"esab__collapse\"> <svg version=\"1.2\" viewbox=\"0 0 24 24\" width=\"24\" height=\"24\"><path fill-rule=\"evenodd\" d=\"m3.5 20.5c-4.7-4.7-4.7-12.3 0-17 4.7-4.7 12.3-4.7 17 0 4.6 4.7 4.6 12.3 0 17-4.7 4.6-12.3 4.6-17 0zm0.9-0.9c4.2 4.2 11 4.2 15.2 0 4.2-4.2 4.2-11 0-15.2-4.2-4.3-11-4.3-15.2 0-4.3 4.2-4.3 11 0 15.2z\"><\/path><path d=\"m11.4 15.9v-3.3h-3.3c-0.3 0-0.6-0.3-0.6-0.6 0-0.4 0.3-0.6 0.6-0.6h3.3v-3.3c0-0.3 0.3-0.6 0.6-0.6 0.3 0 0.6 0.3 0.6 0.6v3.3h3.3c0.3 0 0.6 0.2 0.6 0.6q0 0.2-0.2 0.4-0.2 0.2-0.4 0.2h-3.3v3.3q0 0.2-0.2 0.4-0.2 0.2-0.4 0.2c-0.4 0-0.6-0.3-0.6-0.6z\"><\/path><\/svg> <\/div><div class=\"esab__expand\"> <svg version=\"1.2\" viewbox=\"0 0 24 24\" width=\"24\" height=\"24\"><path fill-rule=\"evenodd\" d=\"m12 24c-6.6 0-12-5.4-12-12 0-6.6 5.4-12 12-12 6.6 0 12 5.4 12 12 0 6.6-5.4 12-12 12zm10.6-12c0-5.9-4.7-10.6-10.6-10.6-5.9 0-10.6 4.7-10.6 10.6 0 5.9 4.7 10.6 10.6 10.6 5.9 0 10.6-4.7 10.6-10.6z\"><\/path><path d=\"m5.6 11.3h12.8v1.4h-12.8z\"><\/path><\/svg> <\/div><\/div><\/div><div class=\"esab__body\">\n<p>目前马来西亚的房贷利率并没有固定平均值，而是根据国家银行（BNM）的隔夜政策利率（OPR）和标准基准利率（SBR）共同决定。SBR会随OPR调整而变化，目前SBR和OPR同为 2.75%。银行会在此基础上加上各自的利差（Spread），因此实际房贷利率<strong>通常介于 3.5%至4.5%之间。<\/strong> <\/p>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-esab-accordion-child\"><div class=\"esab__head\" role=\"button\" aria-expanded=\"false\"><div class=\"esab__heading_txt\"><p class=\"esab__heading_tag\"><strong>2. 投资房产时，应该如何挑选地点与类型？<\/strong> <\/p><\/div><div class=\"esab__icon\"><div class=\"esab__collapse\"> <svg version=\"1.2\" viewbox=\"0 0 24 24\" width=\"24\" height=\"24\"><path fill-rule=\"evenodd\" d=\"m3.5 20.5c-4.7-4.7-4.7-12.3 0-17 4.7-4.7 12.3-4.7 17 0 4.6 4.7 4.6 12.3 0 17-4.7 4.6-12.3 4.6-17 0zm0.9-0.9c4.2 4.2 11 4.2 15.2 0 4.2-4.2 4.2-11 0-15.2-4.2-4.3-11-4.3-15.2 0-4.3 4.2-4.3 11 0 15.2z\"><\/path><path d=\"m11.4 15.9v-3.3h-3.3c-0.3 0-0.6-0.3-0.6-0.6 0-0.4 0.3-0.6 0.6-0.6h3.3v-3.3c0-0.3 0.3-0.6 0.6-0.6 0.3 0 0.6 0.3 0.6 0.6v3.3h3.3c0.3 0 0.6 0.2 0.6 0.6q0 0.2-0.2 0.4-0.2 0.2-0.4 0.2h-3.3v3.3q0 0.2-0.2 0.4-0.2 0.2-0.4 0.2c-0.4 0-0.6-0.3-0.6-0.6z\"><\/path><\/svg> <\/div><div class=\"esab__expand\"> <svg version=\"1.2\" viewbox=\"0 0 24 24\" width=\"24\" height=\"24\"><path fill-rule=\"evenodd\" d=\"m12 24c-6.6 0-12-5.4-12-12 0-6.6 5.4-12 12-12 6.6 0 12 5.4 12 12 0 6.6-5.4 12-12 12zm10.6-12c0-5.9-4.7-10.6-10.6-10.6-5.9 0-10.6 4.7-10.6 10.6 0 5.9 4.7 10.6 10.6 10.6 5.9 0 10.6-4.7 10.6-10.6z\"><\/path><path d=\"m5.6 11.3h12.8v1.4h-12.8z\"><\/path><\/svg> <\/div><\/div><\/div><div class=\"esab__body\">\n<p>投资房产时，选址应优先考量<strong>未来发展潜力、交通便利性与周边配套<\/strong>。同时，房产类型的选择应依据投资目标（自住、出租或增值）及预算而定，常见类别包括<strong>住宅型物业<\/strong>（公寓、排屋、别墅）和<strong>商业型物业<\/strong>。在评估地点时，可参考<strong>治安状况、学校质量、社区活力与基础设施完善度<\/strong>，并建议咨询<strong>当地专业的房地产中介<\/strong>以获取更深入的市场洞察。 <\/p>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-esab-accordion-child\"><div class=\"esab__head\" role=\"button\" aria-expanded=\"false\"><div class=\"esab__heading_txt\"><p class=\"esab__heading_tag\"><strong>3. 现在还适合买房投资吗？ <\/strong><\/p><\/div><div class=\"esab__icon\"><div class=\"esab__collapse\"> <svg version=\"1.2\" viewbox=\"0 0 24 24\" width=\"24\" height=\"24\"><path fill-rule=\"evenodd\" d=\"m3.5 20.5c-4.7-4.7-4.7-12.3 0-17 4.7-4.7 12.3-4.7 17 0 4.6 4.7 4.6 12.3 0 17-4.7 4.6-12.3 4.6-17 0zm0.9-0.9c4.2 4.2 11 4.2 15.2 0 4.2-4.2 4.2-11 0-15.2-4.2-4.3-11-4.3-15.2 0-4.3 4.2-4.3 11 0 15.2z\"><\/path><path d=\"m11.4 15.9v-3.3h-3.3c-0.3 0-0.6-0.3-0.6-0.6 0-0.4 0.3-0.6 0.6-0.6h3.3v-3.3c0-0.3 0.3-0.6 0.6-0.6 0.3 0 0.6 0.3 0.6 0.6v3.3h3.3c0.3 0 0.6 0.2 0.6 0.6q0 0.2-0.2 0.4-0.2 0.2-0.4 0.2h-3.3v3.3q0 0.2-0.2 0.4-0.2 0.2-0.4 0.2c-0.4 0-0.6-0.3-0.6-0.6z\"><\/path><\/svg> <\/div><div class=\"esab__expand\"> <svg version=\"1.2\" viewbox=\"0 0 24 24\" width=\"24\" height=\"24\"><path fill-rule=\"evenodd\" d=\"m12 24c-6.6 0-12-5.4-12-12 0-6.6 5.4-12 12-12 6.6 0 12 5.4 12 12 0 6.6-5.4 12-12 12zm10.6-12c0-5.9-4.7-10.6-10.6-10.6-5.9 0-10.6 4.7-10.6 10.6 0 5.9 4.7 10.6 10.6 10.6 5.9 0 10.6-4.7 10.6-10.6z\"><\/path><path d=\"m5.6 11.3h12.8v1.4h-12.8z\"><\/path><\/svg> <\/div><\/div><\/div><div class=\"esab__body\">\n<p>是否适合买房投资取决于<strong>个人财务能力、风险承受度及市场走势<\/strong>。<strong>投资前<\/strong>应评估<strong>资金、贷款压力与流动性风险<\/strong>，并<strong>慎选地段与房产类型<\/strong>。宏观因素如通胀、利率及政策变化都会影响回酬。总体而言，房地产仍具长期增值与抗通胀优势，但需做好规划与调研，才能稳健入场。 <\/p>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-esab-accordion-child\"><div class=\"esab__head\" role=\"button\" aria-expanded=\"false\"><div class=\"esab__heading_txt\"><p class=\"esab__heading_tag\"><strong>4. 哪家银行提供最优惠的房贷利率与配套？<\/strong> <\/p><\/div><div class=\"esab__icon\"><div class=\"esab__collapse\"> <svg version=\"1.2\" viewbox=\"0 0 24 24\" width=\"24\" height=\"24\"><path fill-rule=\"evenodd\" d=\"m3.5 20.5c-4.7-4.7-4.7-12.3 0-17 4.7-4.7 12.3-4.7 17 0 4.6 4.7 4.6 12.3 0 17-4.7 4.6-12.3 4.6-17 0zm0.9-0.9c4.2 4.2 11 4.2 15.2 0 4.2-4.2 4.2-11 0-15.2-4.2-4.3-11-4.3-15.2 0-4.3 4.2-4.3 11 0 15.2z\"><\/path><path d=\"m11.4 15.9v-3.3h-3.3c-0.3 0-0.6-0.3-0.6-0.6 0-0.4 0.3-0.6 0.6-0.6h3.3v-3.3c0-0.3 0.3-0.6 0.6-0.6 0.3 0 0.6 0.3 0.6 0.6v3.3h3.3c0.3 0 0.6 0.2 0.6 0.6q0 0.2-0.2 0.4-0.2 0.2-0.4 0.2h-3.3v3.3q0 0.2-0.2 0.4-0.2 0.2-0.4 0.2c-0.4 0-0.6-0.3-0.6-0.6z\"><\/path><\/svg> <\/div><div class=\"esab__expand\"> <svg version=\"1.2\" viewbox=\"0 0 24 24\" width=\"24\" height=\"24\"><path fill-rule=\"evenodd\" d=\"m12 24c-6.6 0-12-5.4-12-12 0-6.6 5.4-12 12-12 6.6 0 12 5.4 12 12 0 6.6-5.4 12-12 12zm10.6-12c0-5.9-4.7-10.6-10.6-10.6-5.9 0-10.6 4.7-10.6 10.6 0 5.9 4.7 10.6 10.6 10.6 5.9 0 10.6-4.7 10.6-10.6z\"><\/path><path d=\"m5.6 11.3h12.8v1.4h-12.8z\"><\/path><\/svg> <\/div><\/div><\/div><div class=\"esab__body\">\n<p><strong>各家银行提供的房贷利率有所不同，建议前往银行官网查询最新方案并进行比较。<\/strong>你也可参考下方的延伸阅读，我们已附上关于各大银行房贷利率的相关文章，供你进一步了解。  <\/p>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-esab-accordion-child\"><div class=\"esab__head\" role=\"button\" aria-expanded=\"false\"><div class=\"esab__heading_txt\"><p class=\"esab__heading_tag\"><strong>5. 房贷利率上升会如何影响房价和供款？<\/strong> <\/p><\/div><div class=\"esab__icon\"><div class=\"esab__collapse\"> <svg version=\"1.2\" viewbox=\"0 0 24 24\" width=\"24\" height=\"24\"><path fill-rule=\"evenodd\" d=\"m3.5 20.5c-4.7-4.7-4.7-12.3 0-17 4.7-4.7 12.3-4.7 17 0 4.6 4.7 4.6 12.3 0 17-4.7 4.6-12.3 4.6-17 0zm0.9-0.9c4.2 4.2 11 4.2 15.2 0 4.2-4.2 4.2-11 0-15.2-4.2-4.3-11-4.3-15.2 0-4.3 4.2-4.3 11 0 15.2z\"><\/path><path d=\"m11.4 15.9v-3.3h-3.3c-0.3 0-0.6-0.3-0.6-0.6 0-0.4 0.3-0.6 0.6-0.6h3.3v-3.3c0-0.3 0.3-0.6 0.6-0.6 0.3 0 0.6 0.3 0.6 0.6v3.3h3.3c0.3 0 0.6 0.2 0.6 0.6q0 0.2-0.2 0.4-0.2 0.2-0.4 0.2h-3.3v3.3q0 0.2-0.2 0.4-0.2 0.2-0.4 0.2c-0.4 0-0.6-0.3-0.6-0.6z\"><\/path><\/svg> <\/div><div class=\"esab__expand\"> <svg version=\"1.2\" viewbox=\"0 0 24 24\" width=\"24\" height=\"24\"><path fill-rule=\"evenodd\" d=\"m12 24c-6.6 0-12-5.4-12-12 0-6.6 5.4-12 12-12 6.6 0 12 5.4 12 12 0 6.6-5.4 12-12 12zm10.6-12c0-5.9-4.7-10.6-10.6-10.6-5.9 0-10.6 4.7-10.6 10.6 0 5.9 4.7 10.6 10.6 10.6 5.9 0 10.6-4.7 10.6-10.6z\"><\/path><path d=\"m5.6 11.3h12.8v1.4h-12.8z\"><\/path><\/svg> <\/div><\/div><\/div><div class=\"esab__body\">\n<p>当房贷利率上升时，借贷成本随之提高，买家每月供款增加，市场购房需求会放缓，从而压低房价涨幅或导致价格趋稳。长期来看，高利率环境会减少投机性购买，但也让市场更健康、更以自住需求为主导。 <\/p>\n<\/div><\/div>\n<\/div><\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide sc_height_tiny\">\n\n\n\n<p><strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-text-hover-color\">准备好买房做长期投资，却不确定从何入手？让IQI专业房地产团队为你量身规划，依据你的预算与目标，寻找最具潜力的理想房产，开启你的投资之路。 <\/mark><\/strong><\/p>\n\n\n\n\t<form id=\"custom-lead-form\" action=\"https:\/\/iqiglobal.com\/leads\/blog\/invest\" method=\"post\">\n\t\t<input type=\"hidden\" name=\"previous_url\" value=\"\">\n <input type=\"hidden\" name=\"action\" value=\"custom_blog_form\">\n\t\t<input type=\"hidden\" name=\"consent_agreement\" value=\"0\">\n\t\t<input type=\"hidden\" name=\"current_url\" value=\"https:\/\/iqiglobal.com\/blog\/wp-json\/wp\/v2\/posts\/117769\">\n\n <input type=\"hidden\" id=\"_wpnonce\" name=\"_wpnonce\" value=\"6c3dcf71e8\" \/><input type=\"hidden\" name=\"_wp_http_referer\" value=\"\/blog\/wp-json\/wp\/v2\/posts\/117769\" \/>\n <div class=\"custom-lead-form-div\">\n <label class=\"custom-lead-form-label\" for=\"full_name\">Full Name:<\/label><br>\n <input type=\"text\" name=\"full_name\" class=\"full-width-input custom-lead-form-input\" required>\n <\/div>\n\n\t\t<div class=\"custom-lead-form-div\">\n <label class=\"custom-lead-form-label\" for=\"country\">Location:<\/label><br>\n <select name=\"location\" class=\"full-width-input custom-lead-form-input\" required>\n <option value=\"\">Select your location<\/option>\n\t\t\t\t\t<optgroup label=\"Malaysia\">\n\t\t\t\t\t\t<option value=\"Johor\">Johor<\/option><option value=\"Kedah\">Kedah<\/option><option value=\"Kuala Lumpur\">Kuala Lumpur<\/option><option value=\"Melaka\">Melaka<\/option><option value=\"Negeri Sembilan\">Negeri Sembilan<\/option><option value=\"Pahang\">Pahang<\/option><option value=\"Penang\">Penang<\/option><option value=\"Perak\">Perak<\/option><option value=\"Perlis\">Perlis<\/option><option value=\"Sabah\">Sabah<\/option><option value=\"Sarawak\">Sarawak<\/option><option value=\"Selangor\">Selangor<\/option><option value=\"Terengganu\">Terengganu<\/option>\t\t\t\t\t<\/optgroup>\n\t\t\t\t\t<optgroup label=\"Other Countries\">\n\t\t\t\t\t\t<option value=\"Afghanistan\">Afghanistan<\/option><option value=\"Albania\">Albania<\/option><option value=\"Algeria\">Algeria<\/option><option value=\"American Samoa\">American Samoa<\/option><option value=\"Andorra\">Andorra<\/option><option value=\"Angola\">Angola<\/option><option value=\"Anguilla\">Anguilla<\/option><option value=\"Antarctica\">Antarctica<\/option><option value=\"Antigua and Barbuda\">Antigua and Barbuda<\/option><option value=\"Argentina\">Argentina<\/option><option value=\"Armenia\">Armenia<\/option><option value=\"Aruba\">Aruba<\/option><option value=\"Ashmore and Cartier\">Ashmore and Cartier<\/option><option value=\"Australia\">Australia<\/option><option value=\"Austria\">Austria<\/option><option value=\"Azerbaijan\">Azerbaijan<\/option><option value=\"Bahrain\">Bahrain<\/option><option value=\"Baker Island\">Baker Island<\/option><option value=\"Bangladesh\">Bangladesh<\/option><option value=\"Barbados\">Barbados<\/option><option value=\"Bassas da India\">Bassas da India<\/option><option value=\"Belarus\">Belarus<\/option><option value=\"Belgium\">Belgium<\/option><option value=\"Belize\">Belize<\/option><option value=\"Benin\">Benin<\/option><option value=\"Bermuda\">Bermuda<\/option><option value=\"Bhutan\">Bhutan<\/option><option value=\"Bolivia\">Bolivia<\/option><option value=\"Bonaire\">Bonaire<\/option><option value=\"Bosnia and Herzegovina\">Bosnia and Herzegovina<\/option><option value=\"Botswana\">Botswana<\/option><option value=\"Bouvet Island\">Bouvet Island<\/option><option value=\"Brazil\">Brazil<\/option><option value=\"British Indian Ocean Territory\">British Indian Ocean Territory<\/option><option value=\"British Virgin Islands\">British Virgin Islands<\/option><option value=\"Brunei Darussalam\">Brunei Darussalam<\/option><option value=\"Bulgaria\">Bulgaria<\/option><option value=\"Burkina Faso\">Burkina Faso<\/option><option value=\"Burundi\">Burundi<\/option><option value=\"Cambodia\">Cambodia<\/option><option value=\"Cameroon\">Cameroon<\/option><option value=\"Canada\">Canada<\/option><option value=\"Cape Verde\">Cape Verde<\/option><option value=\"Cayman Islands\">Cayman Islands<\/option><option value=\"Central African Republic\">Central African Republic<\/option><option value=\"Chad\">Chad<\/option><option value=\"Chile\">Chile<\/option><option value=\"China\">China<\/option><option value=\"Christmas Island\">Christmas Island<\/option><option value=\"Clipperton Island\">Clipperton Island<\/option><option value=\"Cocos (Keeling) Islands\">Cocos (Keeling) Islands<\/option><option value=\"Colombia\">Colombia<\/option><option value=\"Comoros\">Comoros<\/option><option value=\"Congo, Democratic Republic of the\">Congo, Democratic Republic of the<\/option><option value=\"Congo, Republic of the\">Congo, Republic of the<\/option><option value=\"Cook Islands\">Cook Islands<\/option><option value=\"Coral Sea Islands\">Coral Sea Islands<\/option><option value=\"Costa Rica\">Costa Rica<\/option><option value=\"Cote d'Ivoire\">Cote d'Ivoire<\/option><option value=\"Croatia\">Croatia<\/option><option value=\"Cuba\">Cuba<\/option><option value=\"Curacao\">Curacao<\/option><option value=\"Cyprus\">Cyprus<\/option><option value=\"Czech Republic\">Czech Republic<\/option><option value=\"Denmark\">Denmark<\/option><option value=\"Djibouti\">Djibouti<\/option><option value=\"Dominica\">Dominica<\/option><option value=\"Dominican Republic\">Dominican Republic<\/option><option value=\"East Timor\">East Timor<\/option><option value=\"Ecuador\">Ecuador<\/option><option value=\"Egypt\">Egypt<\/option><option value=\"El Salvador\">El Salvador<\/option><option value=\"Equatorial Guinea\">Equatorial Guinea<\/option><option value=\"Eritrea\">Eritrea<\/option><option value=\"Estonia\">Estonia<\/option><option value=\"Ethiopia\">Ethiopia<\/option><option value=\"Europa Island\">Europa Island<\/option><option value=\"Falkland Islands\">Falkland Islands<\/option><option value=\"Faroe Islands\">Faroe Islands<\/option><option value=\"Fiji\">Fiji<\/option><option value=\"Finland\">Finland<\/option><option value=\"France\">France<\/option><option value=\"French Guiana\">French Guiana<\/option><option value=\"French Polynesia\">French Polynesia<\/option><option value=\"French Southern and Antarctic Lands\">French Southern and Antarctic Lands<\/option><option value=\"Gabon\">Gabon<\/option><option value=\"Gaza Strip\">Gaza Strip<\/option><option value=\"Georgia\">Georgia<\/option><option value=\"Germany\">Germany<\/option><option value=\"Ghana\">Ghana<\/option><option value=\"Gibraltar\">Gibraltar<\/option><option value=\"Glorioso Islands\">Glorioso Islands<\/option><option value=\"Greece\">Greece<\/option><option value=\"Greenland\">Greenland<\/option><option value=\"Grenada\">Grenada<\/option><option value=\"Guadeloupe\">Guadeloupe<\/option><option value=\"Guam\">Guam<\/option><option value=\"Guatemala\">Guatemala<\/option><option value=\"Guernsey\">Guernsey<\/option><option value=\"Guinea\">Guinea<\/option><option value=\"Guinea-Bissau\">Guinea-Bissau<\/option><option value=\"Guyana\">Guyana<\/option><option value=\"Haiti\">Haiti<\/option><option value=\"Heard Island and McDonald Islands\">Heard Island and McDonald Islands<\/option><option value=\"Holy See\">Holy See<\/option><option value=\"Honduras\">Honduras<\/option><option value=\"Hong Kong (SAR)\">Hong Kong (SAR)<\/option><option value=\"Howland Island\">Howland Island<\/option><option value=\"Hungary\">Hungary<\/option><option value=\"Iceland\">Iceland<\/option><option value=\"India\">India<\/option><option value=\"Indonesia\">Indonesia<\/option><option value=\"Iran\">Iran<\/option><option value=\"Iraq\">Iraq<\/option><option value=\"Ireland\">Ireland<\/option><option value=\"Isle of Man\">Isle of Man<\/option><option value=\"Israel\">Israel<\/option><option value=\"Italy\">Italy<\/option><option value=\"Jamaica\">Jamaica<\/option><option value=\"Japan\">Japan<\/option><option value=\"Jarvis Island\">Jarvis Island<\/option><option value=\"Jersey\">Jersey<\/option><option value=\"Johnston Atoll\">Johnston Atoll<\/option><option value=\"Jordan\">Jordan<\/option><option value=\"Juan de Nova Island\">Juan de Nova Island<\/option><option value=\"Kazakhstan\">Kazakhstan<\/option><option value=\"Kenya\">Kenya<\/option><option value=\"Kingman Reef\">Kingman Reef<\/option><option value=\"Kiribati\">Kiribati<\/option><option value=\"Kuwait\">Kuwait<\/option><option value=\"Kyrgyzstan\">Kyrgyzstan<\/option><option value=\"Laos\">Laos<\/option><option value=\"Latvia\">Latvia<\/option><option value=\"Lebanon\">Lebanon<\/option><option value=\"Lesotho\">Lesotho<\/option><option value=\"Liberia\">Liberia<\/option><option value=\"Libya\">Libya<\/option><option value=\"Liechtenstein\">Liechtenstein<\/option><option value=\"Lithuania\">Lithuania<\/option><option value=\"Luxembourg\">Luxembourg<\/option><option value=\"Macau (SAR)\">Macau (SAR)<\/option><option value=\"Madagascar\">Madagascar<\/option><option value=\"Malawi\">Malawi<\/option><option value=\"Malaysia\">Malaysia<\/option><option value=\"Maldives\">Maldives<\/option><option value=\"Mali\">Mali<\/option><option value=\"Malta\">Malta<\/option><option value=\"Marshall Islands\">Marshall Islands<\/option><option value=\"Martinique\">Martinique<\/option><option value=\"Mauritania\">Mauritania<\/option><option value=\"Mauritius\">Mauritius<\/option><option value=\"Mayotte\">Mayotte<\/option><option value=\"Mexico\">Mexico<\/option><option value=\"Micronesia\">Micronesia<\/option><option value=\" Federated States of\"> Federated States of<\/option><option value=\"Midway Islands\">Midway Islands<\/option><option value=\"Moldova\">Moldova<\/option><option value=\"Monaco\">Monaco<\/option><option value=\"Mongolia\">Mongolia<\/option><option value=\"Montenegro\">Montenegro<\/option><option value=\"Montserrat\">Montserrat<\/option><option value=\"Morocco\">Morocco<\/option><option value=\"Mozambique\">Mozambique<\/option><option value=\"Myanmar\">Myanmar<\/option><option value=\"Namibia\">Namibia<\/option><option value=\"Nauru\">Nauru<\/option><option value=\"Navassa Island\">Navassa Island<\/option><option value=\"Nepal\">Nepal<\/option><option value=\"Netherlands\">Netherlands<\/option><option value=\"Netherlands Antilles\">Netherlands Antilles<\/option><option value=\"New Caledonia\">New Caledonia<\/option><option value=\"New Zealand\">New Zealand<\/option><option value=\"Nicaragua\">Nicaragua<\/option><option value=\"Niger\">Niger<\/option><option value=\"Nigeria\">Nigeria<\/option><option value=\"Niue\">Niue<\/option><option value=\"Norfolk Island\">Norfolk Island<\/option><option value=\"North Korea\">North Korea<\/option><option value=\"North Macedonia\">North Macedonia<\/option><option value=\"Northern Mariana Islands\">Northern Mariana Islands<\/option><option value=\"Norway\">Norway<\/option><option value=\"Oman\">Oman<\/option><option value=\"Pakistan\">Pakistan<\/option><option value=\"Palau\">Palau<\/option><option value=\"Palestine\">Palestine<\/option><option value=\"Occupied\">Occupied<\/option><option value=\"Palmyra Atoll\">Palmyra Atoll<\/option><option value=\"Panama\">Panama<\/option><option value=\"Papua New Guinea\">Papua New Guinea<\/option><option value=\"Paraguay\">Paraguay<\/option><option value=\"Peru\">Peru<\/option><option value=\"Philippines\">Philippines<\/option><option value=\"Pitcairn Islands\">Pitcairn Islands<\/option><option value=\"Poland\">Poland<\/option><option value=\"Portugal\">Portugal<\/option><option value=\"Puerto Rico\">Puerto Rico<\/option><option value=\"Qatar\">Qatar<\/option><option value=\"R\u00e9union\">R\u00e9union<\/option><option value=\"Romania\">Romania<\/option><option value=\"Russia\">Russia<\/option><option value=\"Rwanda\">Rwanda<\/option><option value=\"Saint Barth\u00e9lemy\">Saint Barth\u00e9lemy<\/option><option value=\"Saint Helena\">Saint Helena<\/option><option value=\"Saint Kitts and Nevis\">Saint Kitts and Nevis<\/option><option value=\"Saint Lucia\">Saint Lucia<\/option><option value=\"Saint Martin (French part)\">Saint Martin (French part)<\/option><option value=\"Saint Pierre and Miquelon\">Saint Pierre and Miquelon<\/option><option value=\"Saint Vincent and the Grenadines\">Saint Vincent and the Grenadines<\/option><option value=\"San Marino\">San Marino<\/option><option value=\"S\u00e3o Tom\u00e9 and Pr\u00edncipe\">S\u00e3o Tom\u00e9 and Pr\u00edncipe<\/option><option value=\"Saudi Arabia\">Saudi Arabia<\/option><option value=\"Senegal\">Senegal<\/option><option value=\"Serbia\">Serbia<\/option><option value=\"Serbia and Montenegro\">Serbia and Montenegro<\/option><option value=\"Seychelles\">Seychelles<\/option><option value=\"Sierra Leone\">Sierra Leone<\/option><option value=\"Singapore\">Singapore<\/option><option value=\"Sint Maarten\">Sint Maarten<\/option><option value=\"Slovakia\">Slovakia<\/option><option value=\"Slovenia\">Slovenia<\/option><option value=\"Solomon Islands\">Solomon Islands<\/option><option value=\"Somalia\">Somalia<\/option><option value=\"South Africa\">South Africa<\/option><option value=\"South Georgia and the South Sandwich Islands\">South Georgia and the South Sandwich Islands<\/option><option value=\"South Korea\">South Korea<\/option><option value=\"South Sudan\">South Sudan<\/option><option value=\"Spain\">Spain<\/option><option value=\"Spratly Islands\">Spratly Islands<\/option><option value=\"Sri Lanka\">Sri Lanka<\/option><option value=\"Sudan\">Sudan<\/option><option value=\"Suriname\">Suriname<\/option><option value=\"Svalbard and Jan Mayen\">Svalbard and Jan Mayen<\/option><option value=\"Swaziland\">Swaziland<\/option><option value=\"Sweden\">Sweden<\/option><option value=\"Switzerland\">Switzerland<\/option><option value=\"Syria\">Syria<\/option><option value=\"Taiwan\">Taiwan<\/option><option value=\" China\"> China<\/option><option value=\"Tajikistan\">Tajikistan<\/option><option value=\"Tanzania\">Tanzania<\/option><option value=\"Thailand\">Thailand<\/option><option value=\"The Bahamas\">The Bahamas<\/option><option value=\"The Gambia\">The Gambia<\/option><option value=\"Togo\">Togo<\/option><option value=\"Tokelau\">Tokelau<\/option><option value=\"Tonga\">Tonga<\/option><option value=\"Trinidad and Tobago\">Trinidad and Tobago<\/option><option value=\"Tromelin Island\">Tromelin Island<\/option><option value=\"Tunisia\">Tunisia<\/option><option value=\"Turkey\">Turkey<\/option><option value=\"Turkmenistan\">Turkmenistan<\/option><option value=\"Turks and Caicos Islands\">Turks and Caicos Islands<\/option><option value=\"Tuvalu\">Tuvalu<\/option><option value=\"Uganda\">Uganda<\/option><option value=\"Ukraine\">Ukraine<\/option><option value=\"United Arab Emirates\">United Arab Emirates<\/option><option value=\"United Kingdom\">United Kingdom<\/option><option value=\"United States\">United States<\/option><option value=\"United States Minor Outlying Islands\">United States Minor Outlying Islands<\/option><option value=\"Uruguay\">Uruguay<\/option><option value=\"Uzbekistan\">Uzbekistan<\/option><option value=\"Vanuatu\">Vanuatu<\/option><option value=\"Venezuela\">Venezuela<\/option><option value=\"Vietnam\">Vietnam<\/option><option value=\"Virgin Islands (US)\">Virgin Islands (US)<\/option><option value=\"Wake Island\">Wake Island<\/option><option value=\"Wallis and Futuna\">Wallis and Futuna<\/option><option value=\"West Bank\">West Bank<\/option><option value=\"Western Sahara\">Western Sahara<\/option><option value=\"Western Samoa\">Western Samoa<\/option><option value=\"World\">World<\/option><option value=\"Yemen\">Yemen<\/option><option value=\"Yugoslavia\">Yugoslavia<\/option><option value=\"Zaire\">Zaire<\/option><option value=\"Zambia\">Zambia<\/option><option value=\"Zimbabwe\">Zimbabwe<\/option>\t\t\t\t\t<\/optgroup>\n <\/select>\n <\/div>\n\n <div class=\"custom-lead-form-div\" style=\"display: grid; grid-template-columns: 1fr 1fr; gap: 20px;\">\n\t\t\t<div>\n\t\t\t\t<label class=\"custom-lead-form-label\" for=\"your_email\">Email:<\/label><br>\n\t\t\t\t<input type=\"email\" name=\"email\" class=\"full-width-input custom-lead-form-input\" required>\n\t\t\t<\/div>\n\n\t\t\t<div>\n\t\t\t\t<label class=\"custom-lead-form-label\" for=\"phone_number\">Phone Number:<\/label><br>\n\t\t\t\t<div class=\"phone-input-wrapper\">\n\t\t\t\t\t<span id=\"country-code-display\">+60<\/span>\n\t\t\t\t\t<input type=\"text\" id=\"phone_number_input\" placeholder=\"123456789\" required>\n\t\t\t\t\t<input type=\"hidden\" name=\"phone_number\" id=\"final_phone_number\">\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n \t<\/div>\n\n\t\t<div id=\"interest-error\" style=\"color: red; display: none;\">\n\t\t\tPlease select at least one interest.\n\t\t<\/div>\n\n\t\t<div id=\"interest-group\" class=\"custom-lead-form-div\">\n\t\t\t<p>\n\t\t\t\t<label class=\"custom-checkbox-label\">I want to (Investor)<\/label><br>\n\t\t\t\t<label class=\"custom-checkbox-label\"><input type=\"checkbox\" name=\"lead_type[]\" value=\"invest\"> Invest<\/label><br>\n\t\t\t\t<label class=\"custom-checkbox-label\"><input type=\"checkbox\" name=\"lead_type[]\" value=\"buy\"> Buy<\/label><br>\n\t\t\t\t<label class=\"custom-checkbox-label\"><input type=\"checkbox\" name=\"lead_type[]\" value=\"sell\"> Sell<\/label><br>\n\t\t\t<\/p>\n\t\t<\/div>\n\n\t\t<div class=\"custom-lead-form-div\">\n\t\t\t<label class=\"custom-checkbox-label\"><input type=\"checkbox\" name=\"consent_agreement\" value=\"1\" required> I give my consent to share my information to submit this form. For more details on our data practices, please refer to our <a href=\"https:\/\/www.iqiglobal.com\/privacy-policy\">Privacy Policy.<\/a><\/label><br>\n\t\t\t<input type=\"hidden\" name=\"newsletter\" value=\"0\">\n\t\t\t<label class=\"custom-checkbox-label\"><input type=\"checkbox\" name=\"newsletter\" value=\"1\"> I want the latest property updates, marketing emails, and newsletters from IQI Global by subscribing to IQI Global mailing list<\/label><br>\n\t\t<\/div>\n\n\t\t<input type=\"hidden\" name=\"g-recaptcha-response\" id=\"g-recaptcha-response\">\n\n\n <p>\n <button type=\"submit\">Submit<\/button>\n <\/p>\n <\/form>\n\n\t<style>\n .full-width-input {\n width: 100%;\n padding: 8px;\n box-sizing: border-box;\n }\n\t\t.custom-lead-form-div {\n\t\t\tmargin-bottom: 20px;\n\t\t}\n\t\t.custom-lead-form-input {\n\t\t\tpadding: 8px 12px !important;\n\t\t\tborder-color: var(--theme-color-input_bd_color) !important;\n\t\t}\n\t\t.custom-lead-form-label {\n\t\t\tfont-size: 15px !important;\n\t\t\tfont-weight: 500 !important;\n\t\t}\n\n\t\t.custom-checkbox-label {\n\t\t\tfont-size: 15px !important;\n\t\t\tfont-weight: 400 !important;\n\t\t}\n\n\t\t.phone-input-wrapper {\n\t\t\tdisplay: flex;\n\t\t\talign-items: center;\n\t\t\tborder: 1px solid #ffb199; \/* soft orange border *\/\n\t\t\tborder-radius: 30px;\n\t\t\toverflow: hidden;\n\t\t\tbackground-color: #fff9f8;\n\t\t\tmax-width: 100%;\n\t\t}\n\n\t\t#country-code-display {\n\t\t\tpadding: 10px 14px;\n\t\t\tbackground-color: #f3f3f3;\n\t\t\tborder-right: 1px solid #ffb199;\n\t\t\tfont-size: 16px;\n\t\t\tcolor: #333;\n\t\t\twhite-space: nowrap;\n\t\t}\n\n\t\t#phone_number_input {\n\t\t\tflex: 1;\n\t\t\tborder: none;\n\t\t\tpadding: 10px 14px;\n\t\t\tfont-size: 16px;\n\t\t\tbackground-color: transparent;\n\t\t\toutline: none;\n\t\t}\n <\/style>\n <script src=\"https:\/\/www.google.com\/recaptcha\/api.js?render=6Lc2VuIpAAAAAI6-27GyE-SCtgCMwOPptgZOw8gC\"><\/script>\n\t<script>\n\t\tconst malaysianStates = [\"Johor\",\"Kedah\",\"Kuala Lumpur\",\"Melaka\",\"Negeri Sembilan\",\"Pahang\",\"Penang\",\"Perak\",\"Perlis\",\"Sabah\",\"Sarawak\",\"Selangor\",\"Terengganu\"];\n\n\t\tdocument.addEventListener('DOMContentLoaded', function () {\n\t\t\tconst locationSelect = document.querySelector('select[name=\"location\"]');\n\t\t\tconst countryCodeDisplay = document.getElementById('country-code-display');\n\t\t\tconst phoneInput = document.getElementById('phone_number_input');\n\t\t\tconst finalPhoneInput = document.getElementById('final_phone_number');\n\t\t\tconst form = document.getElementById('custom-lead-form');\n\t\t\tconst error = document.getElementById('interest-error');\n\n\t\t\tfunction updateFinalPhoneNumber() {\n\t\t\t\tconst code = countryCodeDisplay.textContent || '';\n\t\t\t\tconst number = phoneInput.value.trim();\n\t\t\t\tfinalPhoneInput.value = code + number;\n\t\t\t}\n\n\t\t\tlocationSelect.addEventListener('change', function () {\n\t\t\t\tconst selectedState = this.value;\n\n\t\t\t\t\/\/ If not Malaysian state\n\t\t\t\tif (!malaysianStates.includes(selectedState)) {\n\t\t\t\t\tcountryCodeDisplay.style.display = 'none';\n\t\t\t\t\tcountryCodeDisplay.textContent = '';\n\t\t\t\t\tupdateFinalPhoneNumber();\n\t\t\t\t\treturn;\n\t\t\t\t}\n\n\t\t\t\t\/\/ Malaysian state \u2014 show +60\n\t\t\t\tcountryCodeDisplay.style.display = 'block';\n\t\t\t\tcountryCodeDisplay.textContent = '+60';\n\t\t\t\tupdateFinalPhoneNumber();\n\t\t\t});\n\n\t\t\tphoneInput.addEventListener('input', updateFinalPhoneNumber);\n\n\t\t\tform.addEventListener('submit', function (e) {\n\t\t\t\te.preventDefault(); \/\/ \u2705 Prevent default submission first\n\n\t\t\t\tconst checkboxes = form.querySelectorAll('input[name=\"lead_type[]\"]');\n\t\t\t\tconst isChecked = Array.from(checkboxes).some(checkbox => checkbox.checked);\n\n\t\t\t\tif (!isChecked) {\n\t\t\t\t\terror.style.display = 'block';\n\t\t\t\t\treturn; \/\/ stop here if validation fails\n\t\t\t\t} else {\n\t\t\t\t\terror.style.display = 'none';\n\t\t\t\t}\n\n\t\t\t\t\/\/ \u2705 Now run reCAPTCHA v3\n\t\t\t\tgrecaptcha.ready(function () {\n\t\t\t\t\tgrecaptcha.execute('6Lc2VuIpAAAAAI6-27GyE-SCtgCMwOPptgZOw8gC', { action: 'submit' })\n\t\t\t\t\t\t.then(function (token) {\n\t\t\t\t\t\t\tdocument.getElementById('g-recaptcha-response').value = token;\n\t\t\t\t\t\t\tform.submit(); \/\/ \u2705 Safe manual submission\n\t\t\t\t\t\t});\n\t\t\t\t});\n\t\t\t});\n\t\t});\n\t<\/script>\n\n \n\n\n\n<p class=\"has-text-align-center\"><strong>延伸阅读：<\/strong> <\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-text-hover-color\"><a href=\"https:\/\/iqiglobal.com\/blog\/cn\/malaysia-housing-loan-interest-rates\/\" target=\"_blank\" rel=\"noreferrer noopener\">10月最新房贷利率是多少？最低仅2.88%！教你如何计算房屋贷款利率！<\/a> <\/mark><\/strong><\/li>\n\n\n\n<li><strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-text-hover-color\"><a href=\"https:\/\/iqiglobal.com\/blog\/cn\/ways-to-earn-from-property\/\" target=\"_blank\" rel=\"noreferrer noopener\">投资大马房地产：精明投资者教你如何从房地产赚钱的5个方法<\/a> <\/mark><\/strong><\/li>\n\n\n\n<li><strong><a href=\"https:\/\/iqiglobal.com\/blog\/cn\/what-is-ctos\/\" target=\"_blank\" rel=\"noreferrer noopener\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-text-hover-color\">CTOS是什么，又如何影响买房？5个提高CTOS分数的方法！<\/mark><\/a><\/strong><\/li>\n<\/ol>\n<\/body><\/html>\n","protected":false},"excerpt":{"rendered":"<p>最近一则热门话题引起热议：一位叔叔在1970年代以RM37,000买了一间排屋，如今房价已飙至RM180万（RM1.8million），涨幅近50倍，让不少人惊叹不已。  这惊人的涨幅背后，其实正是复利的力量。不过，时代不同，如今买房投资真的还能复制这样的回报吗？  房价的变化不只是复利作用，还受到市场经济、政策环境与房贷结构的多重影响。  接下来，让我们从这位叔叔的例子出发，一起探讨房价暴涨的原因，以及当下买房投资与复利之间的微妙关系。  1. 复利是什么概念？  复利的核心就是赚取的利息会加入本金进入下一轮的计算，由此实现所谓“利滚利”。  举个例子：如果房价每年增长5%，这就不是简单的加法，而是复利增长（第二年是基于更高的价格继续涨）。  将房价的数额套用进公式 S = P(1 + i)^n   【其中： S = 本利和，P = 本金，i = 年利率（也就是复合年增长率，CAGR ） ，n = 年数】  S = 500,000 (1+5%) ^ 10  S = 814,448  意思就是说RM500,000的房产如果每年涨个5%，十年后的房价会涨至约RM814,448。  这就是复利的威力——本金越多、时间越久，钱就越会“自己生钱”，最后滚出来的本利和惊人地高。  2. 复利在房地产中是如何运作的？  房地产业内的复利主要是通过资本增值（Capital Appreciation）和租金回报（Rental Yield）共同产生。  意思就是说，房价升值将带动整体资产净值上涨，进而使租金随着时间的增长而提高。  i. 两个不同方向的复利：房贷的利息 vs 房产的升值  鲜少有人可以现金买房，多数人会涉及房贷，但是如果涉及房贷，买家也需要特别留意房贷那一方面的利息。因为，房贷与复利的关系其实是一体两面。  房贷利息代表的是你付给银行的“负复利”，而房产升值则是你赚到的“正复利”。  当你以贷款买房时，银行每年会对剩余本金计算利息，这让你在还款期间持续承担复利成本；但与此同时，你的房产价值也可能以每年3%至5%的速度增长。  若房产升值率高于贷款利率，你就成功利用“杠杆效应”让银行的钱为你赚取复利收益。  相反，如果房价停滞或下跌，而利息依旧累积，你的复利便在流向银行而非自己。  项目  性质  年增长方向  …<\/p>\n","protected":false},"author":99,"featured_media":117815,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"content-type":"","postBodyCss":"","postBodyMargin":[],"postBodyPadding":[],"postBodyBackground":{"backgroundType":"classic","gradient":""},"footnotes":""},"categories":[237],"tags":[5146,13015,5150,5178,5162],"class_list":{"0":"post-117769","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","6":"hentry","7":"category-237","8":"tag--cn","9":"tag-13015","11":"tag--zh"},"yoast_head":"\n<title>\u4eceRM37k\u5230RM1.8M\uff1a\u4e00\u95f4\u623f\u5b50\u63ed\u5f00\u590d\u5229\u5bf9\u623f\u4ef7\u7684\u5a01\u529b\uff01<\/title>\n<meta name=\"description\" content=\"\u4e00\u4f4d\u53d4\u53d4\u57281970\u5e74\u4ee3\u4ee5RM37,000\u4e70\u4e86\u4e00\u95f4\u6392\u5c4b\uff0c\u5982\u4eca\u623f\u4ef7\u5df2\u98d9\u81f3RM1.8million\uff0c\u6da8\u5e45\u8fd150\u500d\uff01\u8fd9\u60ca\u4eba\u7684\u6da8\u5e45\u80cc\u540e\uff0c\u5176\u5b9e\u6b63\u662f\u590d\u5229\u7684\u529b\u91cf\u3002\u4e0d\u8fc7\uff0c\u65f6\u4ee3\u4e0d\u540c\uff0c\u5982\u4eca\u4e70\u623f\u6295\u8d44\u771f\u7684\u8fd8\u80fd\u590d\u5236\u8fd9\u6837\u7684\u56de\u62a5\u5417\uff1f\u8ba9\u6211\u4e00\u8d77\u63a2\u8ba8\u8fd9\u4f4d\u53d4\u53d4\u623f\u4ef7\u66b4\u6da8\u7684\u539f\u56e0\uff0c\u4ee5\u53ca\u5f53\u4e0b\u4e70\u623f\u6295\u8d44\u4e0e\u590d\u5229\u4e4b\u95f4\u7684\u5fae\u5999\u5173\u7cfb\u3002\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/iqiglobal.com\/blog\/cn\/compound-interest-in-house-investment\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u4eceRM37k\u5230RM1.8M\uff1a\u4e00\u95f4\u623f\u5b50\u63ed\u5f00\u590d\u5229\u5bf9\u623f\u4ef7\u7684\u5a01\u529b\uff01\u00a0\" \/>\n<meta property=\"og:description\" content=\"\u4e00\u4f4d\u53d4\u53d4\u57281970\u5e74\u4ee3\u4ee5RM37,000\u4e70\u4e86\u4e00\u95f4\u6392\u5c4b\uff0c\u5982\u4eca\u623f\u4ef7\u5df2\u98d9\u81f3RM1.8million\uff0c\u6da8\u5e45\u8fd150\u500d\uff01\u8fd9\u60ca\u4eba\u7684\u6da8\u5e45\u80cc\u540e\uff0c\u5176\u5b9e\u6b63\u662f\u590d\u5229\u7684\u529b\u91cf\u3002\u4e0d\u8fc7\uff0c\u65f6\u4ee3\u4e0d\u540c\uff0c\u5982\u4eca\u4e70\u623f\u6295\u8d44\u771f\u7684\u8fd8\u80fd\u590d\u5236\u8fd9\u6837\u7684\u56de\u62a5\u5417\uff1f\u8ba9\u6211\u4e00\u8d77\u63a2\u8ba8\u8fd9\u4f4d\u53d4\u53d4\u623f\u4ef7\u66b4\u6da8\u7684\u539f\u56e0\uff0c\u4ee5\u53ca\u5f53\u4e0b\u4e70\u623f\u6295\u8d44\u4e0e\u590d\u5229\u4e4b\u95f4\u7684\u5fae\u5999\u5173\u7cfb\u3002\" \/>\n<meta property=\"og:url\" content=\"https:\/\/iqiglobal.com\/blog\/cn\/compound-interest-in-house-investment\/\" \/>\n<meta property=\"og:site_name\" content=\"IQI Blog\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/IqiGlobal\" \/>\n<meta property=\"article:published_time\" content=\"2025-10-09T01:57:26+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-10-09T02:00:39+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2025\/10\/09093924\/2025-FB-Image-CN-31.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"630\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Xing Ni\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@IQIGlobal\" \/>\n<meta name=\"twitter:site\" content=\"@IQIGlobal\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Xing Ni\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/iqiglobal.com\/blog\/cn\/compound-interest-in-house-investment\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/iqiglobal.com\/blog\/cn\/compound-interest-in-house-investment\/\"},\"author\":{\"name\":\"Xing Ni\",\"@id\":\"https:\/\/iqiglobal.com\/blog\/#\/schema\/person\/f6b275daf6629dfbb8425491f7a1c9ab\"},\"headline\":\"\u4eceRM37k\u5230RM1.8M\uff1a\u4e00\u95f4\u623f\u5b50\u63ed\u5f00\u590d\u5229\u5bf9\u623f\u4ef7\u7684\u5a01\u529b\uff01\u00a0\",\"datePublished\":\"2025-10-09T01:57:26+00:00\",\"dateModified\":\"2025-10-09T02:00:39+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/iqiglobal.com\/blog\/cn\/compound-interest-in-house-investment\/\"},\"wordCount\":174,\"publisher\":{\"@id\":\"https:\/\/iqiglobal.com\/blog\/#organization\"},\"image\":{\"@id\":\"https:\/\/iqiglobal.com\/blog\/cn\/compound-interest-in-house-investment\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2025\/10\/09093916\/2025-Blog-Feature-Images-15.png\",\"keywords\":[\"\u4e70\u623f\",\"\u590d\u5229\",\"\u623f\u5730\u4ea7\",\"\u6295\u8d44\",\"\u9a6c\u6765\u897f\u4e9a\"],\"articleSection\":[\"\u623f\u4ea7\u77e5\u8bc6\"],\"inLanguage\":\"en-US\",\"accessibilityFeature\":[\"tableOfContents\"]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/iqiglobal.com\/blog\/cn\/compound-interest-in-house-investment\/\",\"url\":\"https:\/\/iqiglobal.com\/blog\/cn\/compound-interest-in-house-investment\/\",\"name\":\"\u4eceRM37k\u5230RM1.8M\uff1a\u4e00\u95f4\u623f\u5b50\u63ed\u5f00\u590d\u5229\u5bf9\u623f\u4ef7\u7684\u5a01\u529b\uff01\",\"isPartOf\":{\"@id\":\"https:\/\/iqiglobal.com\/blog\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/iqiglobal.com\/blog\/cn\/compound-interest-in-house-investment\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/iqiglobal.com\/blog\/cn\/compound-interest-in-house-investment\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2025\/10\/09093916\/2025-Blog-Feature-Images-15.png\",\"datePublished\":\"2025-10-09T01:57:26+00:00\",\"dateModified\":\"2025-10-09T02:00:39+00:00\",\"description\":\"\u4e00\u4f4d\u53d4\u53d4\u57281970\u5e74\u4ee3\u4ee5RM37,000\u4e70\u4e86\u4e00\u95f4\u6392\u5c4b\uff0c\u5982\u4eca\u623f\u4ef7\u5df2\u98d9\u81f3RM1.8million\uff0c\u6da8\u5e45\u8fd150\u500d\uff01\u8fd9\u60ca\u4eba\u7684\u6da8\u5e45\u80cc\u540e\uff0c\u5176\u5b9e\u6b63\u662f\u590d\u5229\u7684\u529b\u91cf\u3002\u4e0d\u8fc7\uff0c\u65f6\u4ee3\u4e0d\u540c\uff0c\u5982\u4eca\u4e70\u623f\u6295\u8d44\u771f\u7684\u8fd8\u80fd\u590d\u5236\u8fd9\u6837\u7684\u56de\u62a5\u5417\uff1f\u8ba9\u6211\u4e00\u8d77\u63a2\u8ba8\u8fd9\u4f4d\u53d4\u53d4\u623f\u4ef7\u66b4\u6da8\u7684\u539f\u56e0\uff0c\u4ee5\u53ca\u5f53\u4e0b\u4e70\u623f\u6295\u8d44\u4e0e\u590d\u5229\u4e4b\u95f4\u7684\u5fae\u5999\u5173\u7cfb\u3002\",\"breadcrumb\":{\"@id\":\"https:\/\/iqiglobal.com\/blog\/cn\/compound-interest-in-house-investment\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/iqiglobal.com\/blog\/cn\/compound-interest-in-house-investment\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/iqiglobal.com\/blog\/cn\/compound-interest-in-house-investment\/#primaryimage\",\"url\":\"https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2025\/10\/09093916\/2025-Blog-Feature-Images-15.png\",\"contentUrl\":\"https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2025\/10\/09093916\/2025-Blog-Feature-Images-15.png\",\"width\":1080,\"height\":480,\"caption\":\"\u4eceRM37k\u5230RM1.8M\uff1a\u4e00\u95f4\u623f\u5b50\u63ed\u5f00\u590d\u5229\u5bf9\u623f\u4ef7\u7684\u5a01\u529b\uff01\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/iqiglobal.com\/blog\/cn\/compound-interest-in-house-investment\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/iqiglobal.com\/blog\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"\u4eceRM37k\u5230RM1.8M\uff1a\u4e00\u95f4\u623f\u5b50\u63ed\u5f00\u590d\u5229\u5bf9\u623f\u4ef7\u7684\u5a01\u529b\uff01\u00a0\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/iqiglobal.com\/blog\/#website\",\"url\":\"https:\/\/iqiglobal.com\/blog\/\",\"name\":\"IQI Blog\",\"description\":\"Your Source for Property Investment, Tips, and Career\",\"publisher\":{\"@id\":\"https:\/\/iqiglobal.com\/blog\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/iqiglobal.com\/blog\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/iqiglobal.com\/blog\/#organization\",\"name\":\"IQI Global\",\"url\":\"https:\/\/iqiglobal.com\/blog\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/iqiglobal.com\/blog\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/iqiglobal-web-revamp.s3.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2023\/03\/cropped-iqi-global-logo.png\",\"contentUrl\":\"https:\/\/iqiglobal-web-revamp.s3.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2023\/03\/cropped-iqi-global-logo.png\",\"width\":480,\"height\":180,\"caption\":\"IQI Global\"},\"image\":{\"@id\":\"https:\/\/iqiglobal.com\/blog\/#\/schema\/logo\/image\/\"},\"sameAs\":[\"https:\/\/www.facebook.com\/IqiGlobal\",\"https:\/\/x.com\/IQIGlobal\",\"https:\/\/www.instagram.com\/iqiglobal\/\",\"https:\/\/tiktok.com\/@iqiglobal?lang=en\",\"https:\/\/www.linkedin.com\/company\/iqi-group\/\"]},{\"@type\":\"Person\",\"@id\":\"https:\/\/iqiglobal.com\/blog\/#\/schema\/person\/f6b275daf6629dfbb8425491f7a1c9ab\",\"name\":\"Xing Ni\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/iqiglobal.com\/blog\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/5bf665bad4cf8e5b9fb6245d85da7c7882afd921e6ac7a298e2e97972254c023?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/5bf665bad4cf8e5b9fb6245d85da7c7882afd921e6ac7a298e2e97972254c023?s=96&d=mm&r=g\",\"caption\":\"Xing Ni\"},\"url\":\"https:\/\/iqiglobal.com\/blog\/author\/xingniiqiglobal-com\/\"}]}<\/script>\n","yoast_head_json":{"title":"\u4eceRM37k\u5230RM1.8M\uff1a\u4e00\u95f4\u623f\u5b50\u63ed\u5f00\u590d\u5229\u5bf9\u623f\u4ef7\u7684\u5a01\u529b\uff01","description":"\u4e00\u4f4d\u53d4\u53d4\u57281970\u5e74\u4ee3\u4ee5RM37,000\u4e70\u4e86\u4e00\u95f4\u6392\u5c4b\uff0c\u5982\u4eca\u623f\u4ef7\u5df2\u98d9\u81f3RM1.8million\uff0c\u6da8\u5e45\u8fd150\u500d\uff01\u8fd9\u60ca\u4eba\u7684\u6da8\u5e45\u80cc\u540e\uff0c\u5176\u5b9e\u6b63\u662f\u590d\u5229\u7684\u529b\u91cf\u3002\u4e0d\u8fc7\uff0c\u65f6\u4ee3\u4e0d\u540c\uff0c\u5982\u4eca\u4e70\u623f\u6295\u8d44\u771f\u7684\u8fd8\u80fd\u590d\u5236\u8fd9\u6837\u7684\u56de\u62a5\u5417\uff1f\u8ba9\u6211\u4e00\u8d77\u63a2\u8ba8\u8fd9\u4f4d\u53d4\u53d4\u623f\u4ef7\u66b4\u6da8\u7684\u539f\u56e0\uff0c\u4ee5\u53ca\u5f53\u4e0b\u4e70\u623f\u6295\u8d44\u4e0e\u590d\u5229\u4e4b\u95f4\u7684\u5fae\u5999\u5173\u7cfb\u3002","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/iqiglobal.com\/blog\/cn\/compound-interest-in-house-investment\/","og_locale":"en_US","og_type":"article","og_title":"\u4eceRM37k\u5230RM1.8M\uff1a\u4e00\u95f4\u623f\u5b50\u63ed\u5f00\u590d\u5229\u5bf9\u623f\u4ef7\u7684\u5a01\u529b\uff01\u00a0","og_description":"\u4e00\u4f4d\u53d4\u53d4\u57281970\u5e74\u4ee3\u4ee5RM37,000\u4e70\u4e86\u4e00\u95f4\u6392\u5c4b\uff0c\u5982\u4eca\u623f\u4ef7\u5df2\u98d9\u81f3RM1.8million\uff0c\u6da8\u5e45\u8fd150\u500d\uff01\u8fd9\u60ca\u4eba\u7684\u6da8\u5e45\u80cc\u540e\uff0c\u5176\u5b9e\u6b63\u662f\u590d\u5229\u7684\u529b\u91cf\u3002\u4e0d\u8fc7\uff0c\u65f6\u4ee3\u4e0d\u540c\uff0c\u5982\u4eca\u4e70\u623f\u6295\u8d44\u771f\u7684\u8fd8\u80fd\u590d\u5236\u8fd9\u6837\u7684\u56de\u62a5\u5417\uff1f\u8ba9\u6211\u4e00\u8d77\u63a2\u8ba8\u8fd9\u4f4d\u53d4\u53d4\u623f\u4ef7\u66b4\u6da8\u7684\u539f\u56e0\uff0c\u4ee5\u53ca\u5f53\u4e0b\u4e70\u623f\u6295\u8d44\u4e0e\u590d\u5229\u4e4b\u95f4\u7684\u5fae\u5999\u5173\u7cfb\u3002","og_url":"https:\/\/iqiglobal.com\/blog\/cn\/compound-interest-in-house-investment\/","og_site_name":"IQI Blog","article_publisher":"https:\/\/www.facebook.com\/IqiGlobal","article_published_time":"2025-10-09T01:57:26+00:00","article_modified_time":"2025-10-09T02:00:39+00:00","og_image":[{"width":1200,"height":630,"url":"https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2025\/10\/09093924\/2025-FB-Image-CN-31.png","type":"image\/png"}],"author":"Xing Ni","twitter_card":"summary_large_image","twitter_creator":"@IQIGlobal","twitter_site":"@IQIGlobal","twitter_misc":{"Written by":"Xing Ni","Est. reading time":"4 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/iqiglobal.com\/blog\/cn\/compound-interest-in-house-investment\/#article","isPartOf":{"@id":"https:\/\/iqiglobal.com\/blog\/cn\/compound-interest-in-house-investment\/"},"author":{"name":"Xing Ni","@id":"https:\/\/iqiglobal.com\/blog\/#\/schema\/person\/f6b275daf6629dfbb8425491f7a1c9ab"},"headline":"\u4eceRM37k\u5230RM1.8M\uff1a\u4e00\u95f4\u623f\u5b50\u63ed\u5f00\u590d\u5229\u5bf9\u623f\u4ef7\u7684\u5a01\u529b\uff01\u00a0","datePublished":"2025-10-09T01:57:26+00:00","dateModified":"2025-10-09T02:00:39+00:00","mainEntityOfPage":{"@id":"https:\/\/iqiglobal.com\/blog\/cn\/compound-interest-in-house-investment\/"},"wordCount":174,"publisher":{"@id":"https:\/\/iqiglobal.com\/blog\/#organization"},"image":{"@id":"https:\/\/iqiglobal.com\/blog\/cn\/compound-interest-in-house-investment\/#primaryimage"},"thumbnailUrl":"https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2025\/10\/09093916\/2025-Blog-Feature-Images-15.png","keywords":["\u4e70\u623f","\u590d\u5229","\u623f\u5730\u4ea7","\u6295\u8d44","\u9a6c\u6765\u897f\u4e9a"],"articleSection":["\u623f\u4ea7\u77e5\u8bc6"],"inLanguage":"en-US","accessibilityFeature":["tableOfContents"]},{"@type":"WebPage","@id":"https:\/\/iqiglobal.com\/blog\/cn\/compound-interest-in-house-investment\/","url":"https:\/\/iqiglobal.com\/blog\/cn\/compound-interest-in-house-investment\/","name":"\u4eceRM37k\u5230RM1.8M\uff1a\u4e00\u95f4\u623f\u5b50\u63ed\u5f00\u590d\u5229\u5bf9\u623f\u4ef7\u7684\u5a01\u529b\uff01","isPartOf":{"@id":"https:\/\/iqiglobal.com\/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/iqiglobal.com\/blog\/cn\/compound-interest-in-house-investment\/#primaryimage"},"image":{"@id":"https:\/\/iqiglobal.com\/blog\/cn\/compound-interest-in-house-investment\/#primaryimage"},"thumbnailUrl":"https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2025\/10\/09093916\/2025-Blog-Feature-Images-15.png","datePublished":"2025-10-09T01:57:26+00:00","dateModified":"2025-10-09T02:00:39+00:00","description":"\u4e00\u4f4d\u53d4\u53d4\u57281970\u5e74\u4ee3\u4ee5RM37,000\u4e70\u4e86\u4e00\u95f4\u6392\u5c4b\uff0c\u5982\u4eca\u623f\u4ef7\u5df2\u98d9\u81f3RM1.8million\uff0c\u6da8\u5e45\u8fd150\u500d\uff01\u8fd9\u60ca\u4eba\u7684\u6da8\u5e45\u80cc\u540e\uff0c\u5176\u5b9e\u6b63\u662f\u590d\u5229\u7684\u529b\u91cf\u3002\u4e0d\u8fc7\uff0c\u65f6\u4ee3\u4e0d\u540c\uff0c\u5982\u4eca\u4e70\u623f\u6295\u8d44\u771f\u7684\u8fd8\u80fd\u590d\u5236\u8fd9\u6837\u7684\u56de\u62a5\u5417\uff1f\u8ba9\u6211\u4e00\u8d77\u63a2\u8ba8\u8fd9\u4f4d\u53d4\u53d4\u623f\u4ef7\u66b4\u6da8\u7684\u539f\u56e0\uff0c\u4ee5\u53ca\u5f53\u4e0b\u4e70\u623f\u6295\u8d44\u4e0e\u590d\u5229\u4e4b\u95f4\u7684\u5fae\u5999\u5173\u7cfb\u3002","breadcrumb":{"@id":"https:\/\/iqiglobal.com\/blog\/cn\/compound-interest-in-house-investment\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/iqiglobal.com\/blog\/cn\/compound-interest-in-house-investment\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/iqiglobal.com\/blog\/cn\/compound-interest-in-house-investment\/#primaryimage","url":"https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2025\/10\/09093916\/2025-Blog-Feature-Images-15.png","contentUrl":"https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2025\/10\/09093916\/2025-Blog-Feature-Images-15.png","width":1080,"height":480,"caption":"\u4eceRM37k\u5230RM1.8M\uff1a\u4e00\u95f4\u623f\u5b50\u63ed\u5f00\u590d\u5229\u5bf9\u623f\u4ef7\u7684\u5a01\u529b\uff01"},{"@type":"BreadcrumbList","@id":"https:\/\/iqiglobal.com\/blog\/cn\/compound-interest-in-house-investment\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/iqiglobal.com\/blog\/"},{"@type":"ListItem","position":2,"name":"\u4eceRM37k\u5230RM1.8M\uff1a\u4e00\u95f4\u623f\u5b50\u63ed\u5f00\u590d\u5229\u5bf9\u623f\u4ef7\u7684\u5a01\u529b\uff01\u00a0"}]},{"@type":"WebSite","@id":"https:\/\/iqiglobal.com\/blog\/#website","url":"https:\/\/iqiglobal.com\/blog\/","name":"IQI Blog","description":"Your Source for Property Investment, Tips, and Career","publisher":{"@id":"https:\/\/iqiglobal.com\/blog\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/iqiglobal.com\/blog\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/iqiglobal.com\/blog\/#organization","name":"IQI Global","url":"https:\/\/iqiglobal.com\/blog\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/iqiglobal.com\/blog\/#\/schema\/logo\/image\/","url":"https:\/\/iqiglobal-web-revamp.s3.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2023\/03\/cropped-iqi-global-logo.png","contentUrl":"https:\/\/iqiglobal-web-revamp.s3.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2023\/03\/cropped-iqi-global-logo.png","width":480,"height":180,"caption":"IQI Global"},"image":{"@id":"https:\/\/iqiglobal.com\/blog\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/IqiGlobal","https:\/\/x.com\/IQIGlobal","https:\/\/www.instagram.com\/iqiglobal\/","https:\/\/tiktok.com\/@iqiglobal?lang=en","https:\/\/www.linkedin.com\/company\/iqi-group\/"]},{"@type":"Person","@id":"https:\/\/iqiglobal.com\/blog\/#\/schema\/person\/f6b275daf6629dfbb8425491f7a1c9ab","name":"Xing Ni","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/iqiglobal.com\/blog\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/5bf665bad4cf8e5b9fb6245d85da7c7882afd921e6ac7a298e2e97972254c023?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/5bf665bad4cf8e5b9fb6245d85da7c7882afd921e6ac7a298e2e97972254c023?s=96&d=mm&r=g","caption":"Xing Ni"},"url":"https:\/\/iqiglobal.com\/blog\/author\/xingniiqiglobal-com\/"}]}},"featured_image_url":"https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2025\/10\/09093916\/2025-Blog-Feature-Images-15.png","_links":{"self":[{"href":"https:\/\/iqiglobal.com\/blog\/wp-json\/wp\/v2\/posts\/117769","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/iqiglobal.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/iqiglobal.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/iqiglobal.com\/blog\/wp-json\/wp\/v2\/users\/99"}],"replies":[{"embeddable":true,"href":"https:\/\/iqiglobal.com\/blog\/wp-json\/wp\/v2\/comments?post=117769"}],"version-history":[{"count":20,"href":"https:\/\/iqiglobal.com\/blog\/wp-json\/wp\/v2\/posts\/117769\/revisions"}],"predecessor-version":[{"id":117826,"href":"https:\/\/iqiglobal.com\/blog\/wp-json\/wp\/v2\/posts\/117769\/revisions\/117826"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/iqiglobal.com\/blog\/wp-json\/wp\/v2\/media\/117815"}],"wp:attachment":[{"href":"https:\/\/iqiglobal.com\/blog\/wp-json\/wp\/v2\/media?parent=117769"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/iqiglobal.com\/blog\/wp-json\/wp\/v2\/categories?post=117769"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/iqiglobal.com\/blog\/wp-json\/wp\/v2\/tags?post=117769"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}