1.0專欄文章 - 袋鼠金融 Roo.Cashhttps://roo.cash/blogMr. Roohttps://roo.cash/blog/author/roo-cash/房貸收支比是什麼？收支比怎麼算？申請銀行房貸 5 大關鍵一次看！rich600338<blockquote class="wp-embedded-content" data-secret="LLSxaUA8rB"><a href="https://roo.cash/blog/mortgage-debt-rate/">房貸收支比是什麼？收支比怎麼算？申請銀行房貸 5 大關鍵一次看！</a></blockquote><iframe sandbox="allow-scripts" security="restricted" src="https://roo.cash/blog/mortgage-debt-rate/embed/#?secret=LLSxaUA8rB" width="600" height="338" title="房貸收支比是什麼？收支比怎麼算？申請銀行房貸 5 大關鍵一次看！ — 專欄文章 - 袋鼠金融 Roo.Cash" data-secret="LLSxaUA8rB" frameborder="0" marginwidth="0" marginheight="0" scrolling="no" class="wp-embedded-content"></iframe><script type="text/javascript">
/* <![CDATA[ */
/*! This file is auto-generated */
!function(d,l){"use strict";l.querySelector&&d.addEventListener&&"undefined"!=typeof URL&&(d.wp=d.wp||{},d.wp.receiveEmbedMessage||(d.wp.receiveEmbedMessage=function(e){var t=e.data;if((t||t.secret||t.message||t.value)&&!/[^a-zA-Z0-9]/.test(t.secret)){for(var s,r,n,a=l.querySelectorAll('iframe[data-secret="'+t.secret+'"]'),o=l.querySelectorAll('blockquote[data-secret="'+t.secret+'"]'),c=new RegExp("^https?:$","i"),i=0;i<o.length;i++)o[i].style.display="none";for(i=0;i<a.length;i++)s=a[i],e.source===s.contentWindow&&(s.removeAttribute("style"),"height"===t.message?(1e3<(r=parseInt(t.value,10))?r=1e3:~~r<200&&(r=200),s.height=r):"link"===t.message&&(r=new URL(s.getAttribute("src")),n=new URL(t.value),c.test(n.protocol))&&n.host===r.host&&l.activeElement===s&&(d.top.location.href=t.value))}},d.addEventListener("message",d.wp.receiveEmbedMessage,!1),l.addEventListener("DOMContentLoaded",function(){for(var e,t,s=l.querySelectorAll("iframe.wp-embedded-content"),r=0;r<s.length;r++)(t=(e=s[r]).getAttribute("data-secret"))||(t=Math.random().toString(36).substring(2,12),e.src+="#?secret="+t,e.setAttribute("data-secret",t)),e.contentWindow.postMessage({message:"ready",secret:t},"*")},!1)))}(window,document);
/* ]]> */
</script>
https://blog-media-cdn.roo.cash/blog/wp-content/uploads/2025/02/26020733/mortgage-debt-rate.png1200628袋鼠金融導讀｜購屋是人生中的重大決策，而銀行房貸則是大多數人實現買房夢的重要資源。在申請房貸時，銀行會評估申請人的財務狀況，其中「收支比」就是關鍵指標之一。那麼，收支比到底是什麼？應該如何計算？除了收支比，還有哪些關鍵因素會影響房貸申請？本文將帶您深入解析，讓您在申請房貸時更有準備！若想知道更多資訊可參考信貸申請條件、聯徵中心免費查詢教學、信貸推薦、2026 全台合法小額借款比較與推薦。