{"id":2196,"date":"2026-08-06T15:28:15","date_gmt":"2026-08-06T15:28:15","guid":{"rendered":"https:\/\/paulfredericksrealestate.net\/%e6%9d%9c%e6%8b%9c%e8%b3%bc%e5%b1%8b%e6%88%90%e6%9c%ac%e8%a8%88%e7%ae%97%e5%99%a8\/"},"modified":"2026-08-13T17:33:24","modified_gmt":"2026-08-13T17:33:24","slug":"%e6%9d%9c%e6%8b%9c%e8%b3%bc%e5%b1%8b%e6%88%90%e6%9c%ac%e8%a8%88%e7%ae%97%e5%99%a8","status":"publish","type":"page","link":"https:\/\/paulfredericksrealestate.net\/zh-hant\/%e6%9d%9c%e6%8b%9c%e8%b3%bc%e5%b1%8b%e6%88%90%e6%9c%ac%e8%a8%88%e7%ae%97%e5%99%a8\/","title":{"rendered":"\u675c\u62dc\u8cfc\u5c4b\u6210\u672c\u8a08\u7b97\u5668"},"content":{"rendered":"    <section class=\"pf-buying-costs\" id=\"pf-buying-costs-1\">\n        <div class=\"container\">\n            <a class=\"pf-tools-back-link\" href=\"https:\/\/paulfredericksrealestate.net\/zh-hant\/tools\/\">\n                <span aria-hidden=\"true\">\u2190<\/span>\n                \u8fd4\u56de\u675c\u62dc\u623f\u5730\u7522\u5de5\u5177            <\/a>\n\n            <header class=\"pf-buying-costs__hero\">\n                <p class=\"eyebrow\">\u675c\u62dc\u7f6e\u696d\u898f\u5283<\/p>\n                <h2 class=\"pf-calculator-intro-title\">\u4f30\u7b97\u60a8\u7684\u675c\u62dc\u7f6e\u696d\u6210\u672c<\/h2>\n                <p>\n                    \u4f30\u7b97\u5728\u675c\u62dc\u8cfc\u8cb7\u6a13\u82b1\u6216\u4e8c\u624b\u7269\u696d\u6240\u9700\u7684\u521d\u59cb\u8cc7\u91d1\u53ca\u4ea4\u6613\u8cbb\u7528\u3002                <\/p>\n            <\/header>\n\n            <div class=\"pf-buying-costs__layout\">\n                <form class=\"pf-buying-costs__form\" novalidate>\n                    <fieldset class=\"pf-costs-fieldset\">\n                        <legend>\u60a8\u8cfc\u8cb7\u54ea\u985e\u7269\u696d\uff1f<\/legend>\n                        <div class=\"pf-costs-choice\">\n                            <label>\n                                <input type=\"radio\" name=\"property_type\" value=\"offplan\" checked>\n                                <span>\n                                    <strong>\u6a13\u82b1\u7269\u696d<\/strong>\n                                    <small>\u76f4\u63a5\u5411\u767c\u5c55\u5546\u8cfc\u8cb7\u3002<\/small>\n                                <\/span>\n                            <\/label>\n                            <label>\n                                <input type=\"radio\" name=\"property_type\" value=\"resale\">\n                                <span>\n                                    <strong>\u4e8c\u624b\u7269\u696d<\/strong>\n                                    <small>\u5411\u73fe\u6709\u696d\u4e3b\u8cfc\u8cb7\u3002<\/small>\n                                <\/span>\n                            <\/label>\n                        <\/div>\n                    <\/fieldset>\n\n                    <div class=\"pf-costs-field\">\n                        <label for=\"pf-buying-costs-1-price\">\u7269\u696d\u50f9\u683c<\/label>\n                        <div class=\"pf-costs-input\">\n                            <span>AED<\/span>\n                            <input id=\"pf-buying-costs-1-price\" name=\"property_price\" type=\"number\" min=\"100000\" step=\"50000\" value=\"2500000\" inputmode=\"decimal\">\n                        <\/div>\n                    <\/div>\n\n                    <fieldset class=\"pf-costs-fieldset\">\n                        <legend>\u8cfc\u8cb7\u65b9\u5f0f<\/legend>\n                        <div class=\"pf-costs-choice\">\n                            <label>\n                                <input type=\"radio\" name=\"purchase_method\" value=\"cash\" checked>\n                                <span>\n                                    <strong>\u73fe\u91d1\u8cfc\u8cb7<\/strong>\n                                    <small>\u4e0d\u8a2d\u6309\u63ed\u767b\u8a18\u8cbb\u3002<\/small>\n                                <\/span>\n                            <\/label>\n                            <label>\n                                <input type=\"radio\" name=\"purchase_method\" value=\"mortgage\">\n                                <span>\n                                    <strong>\u6309\u63ed\u8cfc\u8cb7<\/strong>\n                                    <small>\u5305\u62ec\u4f30\u7b97\u6309\u63ed\u767b\u8a18\u8cbb\u3002<\/small>\n                                <\/span>\n                            <\/label>\n                        <\/div>\n                    <\/fieldset>\n\n                    <fieldset class=\"pf-costs-fieldset\">\n                        <legend>\u8cb7\u5bb6\u8eab\u4efd<\/legend>\n                        <div class=\"pf-costs-choice\">\n                            <label>\n                                <input type=\"radio\" name=\"buyer_status\" value=\"resident\" checked>\n                                <span>\n                                    <strong>\u963f\u806f\u914b\u5c45\u6c11<\/strong>\n                                    <small>\u7528\u65bc\u4f30\u7b97\u6309\u63ed\u9996\u671f\u3002<\/small>\n                                <\/span>\n                            <\/label>\n                            <label>\n                                <input type=\"radio\" name=\"buyer_status\" value=\"nonresident\">\n                                <span>\n                                    <strong>\u975e\u5c45\u6c11<\/strong>\n                                    <small>\u7528\u65bc\u4f30\u7b97\u6309\u63ed\u9996\u671f\u3002<\/small>\n                                <\/span>\n                            <\/label>\n                        <\/div>\n                    <\/fieldset>\n\n                    <div class=\"pf-costs-grid\">\n                        <div class=\"pf-costs-field\">\n                            <label for=\"pf-buying-costs-1-deposit\">\u9996\u671f\u4ed8\u6b3e<\/label>\n                            <div class=\"pf-costs-input pf-costs-input--suffix\">\n                                <input id=\"pf-buying-costs-1-deposit\" name=\"deposit_percent\" type=\"number\" min=\"0\" max=\"100\" step=\"1\" value=\"10\" inputmode=\"decimal\">\n                                <span>%<\/span>\n                            <\/div>\n                            <small data-guidance=\"deposit\"><\/small>\n                        <\/div>\n\n                        <div class=\"pf-costs-field pf-costs-field--fixed\">\n                            <label>\u7d93\u7d00\u4f63\u91d1<\/label>\n                            <div class=\"pf-costs-fixed-value\" data-fixed=\"commission\">0%<\/div>\n                        <\/div>\n                    <\/div>\n\n                    <div class=\"pf-costs-grid\">\n                        <div class=\"pf-costs-field pf-costs-field--fixed\">\n                            <label>DLD \u767b\u8a18\u8cbb<\/label>\n                            <div class=\"pf-costs-fixed-value\" data-fixed=\"dld\">4%<\/div>\n                        <\/div>\n\n                        <div class=\"pf-costs-field pf-costs-field--mortgage\">\n                            <label for=\"pf-buying-costs-1-ltv\">\u6309\u63ed\u8cb8\u6b3e\u50f9\u503c\u6bd4\u7387<\/label>\n                            <div class=\"pf-costs-input pf-costs-input--suffix\">\n                                <input id=\"pf-buying-costs-1-ltv\" name=\"loan_to_value\" type=\"number\" min=\"0\" max=\"100\" step=\"1\" value=\"80\" inputmode=\"decimal\">\n                                <span>%<\/span>\n                            <\/div>\n                            <small data-guidance=\"ltv\"><\/small>\n                        <\/div>\n                    <\/div>\n                <\/form>\n\n                <aside class=\"pf-buying-costs__results\" aria-live=\"polite\">\n                    <p class=\"eyebrow\">\u9810\u8a08\u6210\u672c\u660e\u7d30<\/p>\n\n                    <dl>\n                        <div><dt>\u7269\u696d\u50f9\u683c<\/dt><dd data-result=\"price\">AED 0<\/dd><\/div>\n                        <div><dt data-label=\"deposit\">\u9996\u671f\u4ed8\u6b3e<\/dt><dd data-result=\"deposit\">AED 0<\/dd><\/div>\n                        <div><dt data-label=\"dld\">DLD \u767b\u8a18\u8cbb<\/dt><dd data-result=\"dld\">AED 0<\/dd><\/div>\n                        <div><dt>\u7d93\u7d00\u4f63\u91d1<\/dt><dd data-result=\"commission\">AED 0<\/dd><\/div>\n                        <div class=\"pf-result-resale\"><dt>\u53d7\u8a17\u53ca\u696d\u6b0a\u8cbb\u7528<\/dt><dd data-result=\"trustee\">AED 0<\/dd><\/div>\n                        <div class=\"pf-result-mortgage\"><dt>\u6309\u63ed\u767b\u8a18\u8cbb<\/dt><dd data-result=\"mortgage\">AED 0<\/dd><\/div>\n                        <div class=\"pf-result-offplan\"><dt>\u5269\u9918\u6a13\u50f9<\/dt><dd data-result=\"balance\">AED 0<\/dd><\/div>\n                    <\/dl>\n\n                    <div class=\"pf-buying-costs__total\">\n                        <span data-total-label>\u9810\u8a08\u6240\u9700\u521d\u59cb\u8cc7\u91d1<\/span>\n                        <strong data-result=\"total\">AED 0<\/strong>\n                    <\/div>\n\n                    <div class=\"pf-buying-costs__actions\">\n                        <a class=\"button button--gold\" href=\"https:\/\/paulfredericksrealestate.net\/zh-hant\/contact\/\">\n                            \u8207 Paul \u8a0e\u8ad6\u60a8\u7684\u9810\u7b97                        <\/a>\n                        <a class=\"button button--outline\" href=\"https:\/\/paulfredericksrealestate.net\/zh-hant\/property-search\/\">\n                            \u700f\u89bd\u675c\u62dc\u7269\u696d                        <\/a>\n                    <\/div>\n                <\/aside>\n            <\/div>\n\n            <section class=\"pf-buying-costs__education\">\n                <article>\n                    <h2>\u8cfc\u8cb7\u6a13\u82b1<\/h2>\n                    <p>\u9996\u6b21\u4ed8\u6b3e\u901a\u5e38\u5305\u62ec\u767c\u5c55\u5546\u9996\u671f\u53ca DLD \u767b\u8a18\u8cbb\u3002\u4ed8\u6b3e\u6642\u9593\u8868\u53ca\u4efb\u4f55\u7d93\u7d00\u4f63\u91d1\u6703\u56e0\u9805\u76ee\u548c\u5408\u7d04\u800c\u7570\u3002<\/p>\n                <\/article>\n                <article>\n                    <h2>\u8cfc\u8cb7\u4e8c\u624b\u7269\u696d<\/h2>\n                    <p>\u4e8c\u624b\u7269\u696d\u4ea4\u6613\u901a\u5e38\u5305\u62ec DLD \u767b\u8a18\u8cbb\u3001\u53d7\u8a17\u53ca\u696d\u6b0a\u8cbb\u7528\u3001\u7d93\u7d00\u4f63\u91d1\uff0c\u4ee5\u53ca\u4f7f\u7528\u878d\u8cc7\u6642\u7684\u6309\u63ed\u767b\u8a18\u8cbb\u3002<\/p>\n                <\/article>\n            <\/section>\n\n            <div class=\"pf-buying-costs__notice\">\n                <p>\n                    \u672c\u8a08\u7b97\u6a5f\u53ea\u63d0\u4f9b\u898f\u5283\u7528\u9014\u7684\u53c3\u8003\u4f30\u7b97\u3002DLD \u767b\u8a18\u8cbb\u5206\u914d\u3001\u9996\u671f\u4ed8\u6b3e\u6642\u9593\u3001\u7d93\u7d00\u4f63\u91d1\u3001\u53d7\u8a17\u8cbb\u3001\u512a\u60e0\u3001\u589e\u503c\u7a05\u3001\u8cb8\u6b3e\u6a5f\u69cb\u8cbb\u7528\u53ca\u5176\u4ed6\u4ea4\u6613\u6210\u672c\u5747\u53d6\u6c7a\u65bc\u5408\u7d04\u53ca\u670d\u52d9\u4f9b\u61c9\u5546\u3002\u6295\u5165\u8cc7\u91d1\u524d\uff0c\u8acb\u78ba\u8a8d\u6700\u7d42\u6210\u4ea4\u7d50\u7b97\u66f8\u3002                <\/p>\n            <\/div>\n        <\/div>\n    <\/section>\n\n    <script>\n    (function () {\n        var root = document.getElementById(\"pf-buying-costs-1\");\n        if (!root) return;\n\n        var form = root.querySelector('.pf-buying-costs__form');\n        var price = form.querySelector('[name=\"property_price\"]');\n        var deposit = form.querySelector('[name=\"deposit_percent\"]');\n        var commission = {value:0};\n        var dld = {value:4};\n        var ltv = form.querySelector('[name=\"loan_to_value\"]');\n        var depositGuidance = root.querySelector('[data-guidance=\"deposit\"]');\n        var ltvGuidance = root.querySelector('[data-guidance=\"ltv\"]');\n\n        function selected(name) {\n            var input = form.querySelector('[name=\"' + name + '\"]:checked');\n            return input ? input.value : '';\n        }\n\n        function numberValue(input) {\n            var value = parseFloat(input.value);\n            return Number.isFinite(value) ? Math.max(0, value) : 0;\n        }\n\n        function formatAED(value) {\n            return new Intl.NumberFormat('en-AE', {\n                style: 'currency',\n                currency: 'AED',\n                maximumFractionDigits: 0\n            }).format(Math.max(0, value));\n        }\n\n        function setResult(name, value) {\n            var element = root.querySelector('[data-result=\"' + name + '\"]');\n            if (element) element.textContent = value;\n        }\n\n        function applyDefaults(propertyChanged) {\n            var propertyType = selected('property_type');\n            var method = selected('purchase_method');\n            var status = selected('buyer_status');\n            var propertyPrice = numberValue(price);\n\n            if (propertyChanged) {\n                if (propertyType === 'offplan') {\n                    deposit.value = 10;\n                    commission.value = 0; root.querySelector('[data-fixed=\"commission\"]').textContent='0%';\n                } else {\n                    commission.value = 2; root.querySelector('[data-fixed=\"commission\"]').textContent='2%';\n\n                    if (method === 'mortgage') {\n                        var minimumDeposit = status === 'nonresident'\n                            ? 40\n                            : (propertyPrice <= 5000000 ? 20 : 30);\n                        deposit.value = minimumDeposit;\n                        ltv.value = 100 - minimumDeposit;\n                    } else {\n                        deposit.value = 10;\n                    }\n                }\n            }\n\n            if (method === 'mortgage') {\n                var mortgageDeposit = status === 'nonresident'\n                    ? 40\n                    : (propertyPrice <= 5000000 ? 20 : 30);\n\n                if (propertyType === 'resale' && numberValue(deposit) < mortgageDeposit) {\n                    deposit.value = mortgageDeposit;\n                }\n\n                if (numberValue(ltv) > 100 - mortgageDeposit) {\n                    ltv.value = 100 - mortgageDeposit;\n                }\n\n                depositGuidance.textContent =\n                    'Mortgage planning minimum: ' + mortgageDeposit +\n                    '% for this buyer status and property value.';\n                ltvGuidance.textContent =\n                    'Illustrated maximum LTV: ' + (100 - mortgageDeposit) + '%.';\n            } else {\n                depositGuidance.textContent = propertyType === 'offplan'\n                    ? 'Editable developer initial-payment assumption.'\n                    : 'Editable resale contract deposit assumption.';\n                ltvGuidance.textContent = '';\n            }\n        }\n\n        function calculate() {\n            var propertyType = selected('property_type');\n            var method = selected('purchase_method');\n            var propertyPrice = numberValue(price);\n            var depositPercent = Math.min(100, numberValue(deposit));\n            var commissionPercent = numberValue(commission);\n            var dldPercent = numberValue(dld);\n            var loanToValue = Math.min(100, numberValue(ltv));\n\n            var depositAmount = propertyPrice * depositPercent \/ 100;\n            var dldAmount = propertyPrice * dldPercent \/ 100;\n            var commissionAmount = propertyPrice * commissionPercent \/ 100;\n\n            var trusteeBase = propertyPrice >= 500000 ? 4000 : 2000;\n            var trusteeVat = trusteeBase * 0.05;\n            var titleAndStatutory = 250 + 250 + 10 + 10;\n            var trusteeAmount = propertyType === 'resale'\n                ? trusteeBase + trusteeVat + titleAndStatutory\n                : 0;\n\n            var mortgageAmount = method === 'mortgage'\n                ? propertyPrice * loanToValue \/ 100\n                : 0;\n\n            var mortgageRegistration = method === 'mortgage'\n                ? (mortgageAmount * 0.0025) + 250 + 10 + 10\n                : 0;\n\n            var remainingBalance = Math.max(0, propertyPrice - depositAmount);\n\n            var total = propertyType === 'offplan'\n                ? depositAmount + dldAmount + commissionAmount + mortgageRegistration\n                : (\n                    method === 'mortgage'\n                        ? depositAmount + dldAmount + commissionAmount + trusteeAmount + mortgageRegistration\n                        : propertyPrice + dldAmount + commissionAmount + trusteeAmount\n                );\n\n            root.classList.toggle('is-offplan', propertyType === 'offplan');\n            root.classList.toggle('is-resale', propertyType === 'resale');\n            root.classList.toggle('is-mortgage', method === 'mortgage');\n\n            setResult('price', formatAED(propertyPrice));\n            setResult('deposit', formatAED(depositAmount));\n            setResult('dld', formatAED(dldAmount));\n            setResult('commission', formatAED(commissionAmount));\n            setResult('trustee', formatAED(trusteeAmount));\n            setResult('mortgage', formatAED(mortgageRegistration));\n            setResult('balance', formatAED(remainingBalance));\n            setResult('total', formatAED(total));\n\n            var totalLabel = root.querySelector('[data-total-label]');\n            if (totalLabel) {\n                totalLabel.textContent = propertyType === 'offplan'\n                    ? 'Estimated amount due with initial purchase'\n                    : (method === 'mortgage'\n                        ? 'Estimated cash required at completion'\n                        : 'Estimated total funds required');\n            }\n        }\n\n        form.querySelectorAll('[name=\"property_type\"], [name=\"purchase_method\"], [name=\"buyer_status\"]').forEach(function (input) {\n            input.addEventListener('change', function () {\n                applyDefaults(true);\n                calculate();\n            });\n        });\n\n        price.addEventListener('change', function () {\n            applyDefaults(true);\n            calculate();\n        });\n\n        form.addEventListener('input', calculate);\n        form.addEventListener('change', calculate);\n\n        applyDefaults(true);\n        calculate();\n    }());\n    <\/script>\n    \n","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-2196","page","type-page","status-publish","hentry"],"acf":[],"_hostinger_reach_plugin_has_subscription_block":false,"_hostinger_reach_plugin_is_elementor":false,"_links":{"self":[{"href":"https:\/\/paulfredericksrealestate.net\/zh-hant\/wp-json\/wp\/v2\/pages\/2196","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/paulfredericksrealestate.net\/zh-hant\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/paulfredericksrealestate.net\/zh-hant\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/paulfredericksrealestate.net\/zh-hant\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/paulfredericksrealestate.net\/zh-hant\/wp-json\/wp\/v2\/comments?post=2196"}],"version-history":[{"count":1,"href":"https:\/\/paulfredericksrealestate.net\/zh-hant\/wp-json\/wp\/v2\/pages\/2196\/revisions"}],"predecessor-version":[{"id":2233,"href":"https:\/\/paulfredericksrealestate.net\/zh-hant\/wp-json\/wp\/v2\/pages\/2196\/revisions\/2233"}],"wp:attachment":[{"href":"https:\/\/paulfredericksrealestate.net\/zh-hant\/wp-json\/wp\/v2\/media?parent=2196"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}