{"id":70919,"date":"2026-09-08T17:00:29","date_gmt":"2026-09-08T09:00:29","guid":{"rendered":"https:\/\/www.imoney.my\/articles\/?p=70919"},"modified":"2026-09-07T11:47:24","modified_gmt":"2026-09-07T03:47:24","slug":"low-income-loan-safe-guide","status":"publish","type":"post","link":"https:\/\/www.imoney.my\/articles\/zh\/low-income-loan-safe-guide","title":{"rendered":"\u6708\u85aa\u4e09\u5343\u4ee5\u4e0b\u60f3\u501f\u94b1?\u5148\u8bfb\u8fd9\u7bc7\u3002"},"content":{"rendered":"<h2><span class=\"ez-toc-section\" id=\"%E4%BD%A0%E5%AE%9E%E9%99%85%E6%9C%89%E5%93%AA%E4%BA%9B%E5%90%88%E6%B3%95%E9%80%89%E9%A1%B9\"><\/span>\u4f60\u5b9e\u9645\u6709\u54ea\u4e9b\u5408\u6cd5\u9009\u9879<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul>\n<li><b>\u94f6\u884c\u4e0e\u56fd\u884c\u76d1\u7ba1\u673a\u6784:<\/b>\u90e8\u5206\u94f6\u884c\u6709\u4f4e\u6536\u5165\u4ea7\u54c1(\u901a\u5e38\u6708\u5165\u6700\u4f4eRM1,500\u20132,000),\u5305\u62ec\u4f0a\u65af\u5170\u878d\u8d44\u3002\u5229\u7387\u6700\u4f4e,\u95e8\u69db\u6700\u4e25\u3002<\/li>\n<li><b>\u5408\u4f5c\u793e:<\/b>\u4f1a\u5458\u5236,\u5e38\u4ee5\u85aa\u91d1\u76f4\u63a5\u6263\u9664,\u5229\u7387\u4e2d\u7b49\u3002\u786e\u8ba4\u5728SKM\u6ce8\u518c\u3002<\/li>\n<li><b>KPKT\u6301\u724c\u653e\u8d37\u4eba:<\/b>\u5408\u6cd5\u4e14\u5229\u7387<b>\u53d7\u6cd5\u4ee4\u7ba1\u5236<\/b>:1951\u5e74\u653e\u8d37\u4eba\u6cd5\u4ee4\u8bbe\u5b9a\u5229\u7387\u5929\u82b1\u677f,\u6709\u62b5\u62bc\u6bcf\u5e7412%\u3001\u65e0\u62b5\u62bc\u6bcf\u5e7418%,\u6536\u8d85\u8fc7\u5c31\u662f\u8fdd\u6cd5\u3002\u8fd9\u662f\u6700\u540e\u7684\u5408\u6cd5\u9009\u9879,\u4e0d\u662f\u9996\u9009\u3002<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"%E6%9C%80%E9%87%8D%E8%A6%81%E7%9A%84%E4%B8%80%E6%AD%A5-%E6%9F%A5%E6%89%A7%E7%85%A7\"><\/span>\u6700\u91cd\u8981\u7684\u4e00\u6b65:\u67e5\u6267\u7167<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>\u6bcf\u4e2a\u5408\u6cd5\u653e\u8d37\u4eba\u90fd<b>\u5fc5\u987b\u6301\u6709KPKT(\u5730\u65b9\u653f\u5e9c\u53d1\u5c55\u90e8)\u6267\u7167<\/b>\u3002\u548c\u4efb\u4f55\u975e\u94f6\u884c\u516c\u53f8\u6253\u4ea4\u9053\u4e4b\u524d:\u4e0a\u5b98\u65b9\u95e8\u6237<a href=\"https:\/\/www.kpkt.gov.my\" target=\"_blank\" rel=\"noopener\"><b>kpkt.gov.my<\/b><\/a>\u67e5\u6301\u724c\u653e\u8d37\u4eba\u540d\u5355\u3002\u540d\u5355\u91cc\u6ca1\u6709=\u522b\u78b0,\u5c31\u8fd9\u4e48\u7b80\u5355\u3002\u6267\u7167\u53f7\u4e5f\u5fc5\u987b\u5c55\u793a\u5728\u8425\u4e1a\u573a\u6240\u548c\u5408\u7ea6\u91cc,\u5f00\u53e3\u8981\u6c42\u770b\u3002<\/p>\n<h2><span class=\"ez-toc-section\" id=\"%E5%A4%A7%E8%80%B3%E7%AA%BF2026%E5%B9%B4%E7%9A%84%E4%BF%A1%E5%8F%B7%E5%8C%85%E6%8B%ACApp%E7%89%88\"><\/span>\u5927\u8033\u7abf2026\u5e74\u7684\u4fe1\u53f7,\u5305\u62ecApp\u7248<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul>\n<li>&#8220;5\u5206\u949f\u6279,\u53ea\u8981IC&#8221;,\u5b8c\u5168\u4e0d\u8bc4\u4f30\u507f\u8fd8\u80fd\u529b<\/li>\n<li>\u653e\u6b3e\u524d\u5148\u8981\u4f60\u4ed8&#8221;\u624b\u7eed\u8d39&#8221;<\/li>\n<li>\u94b1\u4ece\u79c1\u4eba\u8d26\u6237\u8f6c\u6765,\u4e0d\u662f\u516c\u53f8\u8d26\u6237<\/li>\n<li>\u8d37\u6b3eApp\u7d22\u53d6\u4f60\u7684<b>\u901a\u8baf\u5f55\u548c\u7167\u7247<\/b>\u6743\u9650,\u90a3\u662f\u4ed6\u4eec\u65e5\u540e\u52d2\u7d22\u7684\u6b66\u5668<\/li>\n<li>\u6ca1\u6709\u4e66\u9762\u5408\u7ea6,\u6216\u5408\u7ea6\u6570\u989d\u548c\u5230\u624b\u7684\u4e0d\u4e00\u6837<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"RM5000%E5%80%9F%E4%B8%89%E5%B9%B4%E7%9A%84%E7%9C%9F%E5%AE%9E%E6%88%90%E6%9C%AC\"><\/span>RM5,000\u501f\u4e09\u5e74\u7684\u771f\u5b9e\u6210\u672c<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><i>\u5404\u6e20\u9053\u5e38\u89c1\u5229\u7387\u4e0b\u7684\u8bf4\u660e\u6027\u5bf9\u6bd4:<\/i>\u94f6\u884c(\u7ea68%\u5e73\u606f):\u7ea6RM172\/\u6708,\u603b\u4ed8\u7ea6RM6,200\u3002\u5408\u4f5c\u793e(\u7ea610\u201312%):RM180\u2013190\/\u6708,\u603b\u4ed8RM6,500\u20136,800\u3002\u6301\u724c\u653e\u8d37\u4eba(\u6cd5\u5b9a\u9876\u9650:\u65e0\u62b5\u62bc18%\/\u5e74):\u7ea6RM214\/\u6708,\u603b\u4ed8\u7ea6RM7,700\u3002\u5927\u8033\u7abf(&#8220;\u6bcf\u5468RM50\u5229\u606f&#8221;):\u5355\u5229\u606f\u5c31RM200+\/\u6708,\u800c\u4e14\u6ca1\u6709\u7ec8\u70b9,\u672c\u91d1\u6c38\u8fdc\u4e0d\u51cf\u3002\u6700\u540e\u90a3\u884c\u4e0d\u662f\u8d37\u6b3e,\u662f\u6050\u60e7\u7684\u7ec8\u8eab\u8ba2\u9605\u3002<\/p>\n<h2><span class=\"ez-toc-section\" id=\"%E5%80%9F%E9%92%B1%E4%B9%8B%E5%89%8D%E5%85%88%E6%95%B2%E8%BF%99%E5%9B%9B%E6%89%87%E9%97%A8\"><\/span>\u501f\u94b1\u4e4b\u524d,\u5148\u6572\u8fd9\u56db\u6247\u95e8<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ol>\n<li><b>\u63f4\u52a9\u91d1:<\/b><a href=\"https:\/\/bantuantunai.hasil.gov.my\" target=\"_blank\" rel=\"noopener\">STR\u548cSARA<\/a>\u5168\u5e74\u5f00\u653e\u7533\u8bf7,\u5f88\u591a\u6709\u8d44\u683c\u7684\u4eba\u4ece\u6ca1\u7533\u8bf7\u8fc7\u3002\u90a3\u662f\u5408\u6cd5\u7684\u514d\u8d39\u7684\u94b1\u3002<\/li>\n<li><b>AKPK:<\/b>\u5982\u679c\u95ee\u9898\u662f\u73b0\u6709\u503a\u52a1,\u4ed6\u4eec\u7684\u503a\u52a1\u7ba1\u7406\u8ba1\u5212\u514d\u8d39\u3002<\/li>\n<li><b>\u96c7\u4e3b:<\/b>\u6709\u4e9b\u516c\u53f8\u6709\u65e0\u606f\u85aa\u91d1\u9884\u652f,\u95eeHR,\u5c34\u5c2c\u4e00\u9635\u5b50\u597d\u8fc718%\u5229\u606f\u3002<\/li>\n<li><b>\u53ef\u53d8\u5356\u7684\u4e1c\u897f\/\u6301\u724c\u5f53\u94fa:<\/b>\u6301\u724c\u5f53\u94fa(\u53d7\u5f53\u5546\u6cd5\u4ee4\u7ba1\u5236)\u6216Ar-Rahnu(\u4f0a\u65af\u5170\u5f0f,\u540c\u6837\u5f00\u653e\u7ed9\u975e\u7a46\u65af\u6797):\u9ec4\u91d1\u62b5\u62bc,\u6210\u672c\u900f\u660e,\u4e1c\u897f\u53ef\u8d4e\u56de\u3002\u7559\u610f\u6708\u606f\u4e0e\u8d4e\u56de\u671f\u9650\u3002<\/li>\n<\/ol>\n<div class=\"block block--success\"><div class=\"block__title\">\u806a\u660e\u4e00\u6b65<\/div><div>\u90fd\u8bd5\u8fc7\u8fd8\u662f\u5f97\u501f\u7684\u8bdd:\u501f\u80fd\u89e3\u51b3\u95ee\u9898\u7684\u6700\u5c0f\u6570\u989d,\u9009\u4f60\u4f9b\u5f97\u8d77\u7684\u6700\u77ed\u671f\u9650,\u53ea\u4ece\u6301\u724c\u540d\u5355\u91cc\u6311\u3002\u8fd8\u5b8c\u4e4b\u540e\u6bcf\u6708\u5b58RM50,\u4e0b\u4e00\u6b21\u7d27\u6025,\u5c31\u4e0d\u5fc5\u53d8\u6210\u4e0b\u4e00\u7b14\u8d37\u6b3e\u3002<br \/>\n<\/div><\/div>\n<h2><span class=\"ez-toc-section\" id=\"%E5%B7%B2%E7%BB%8F%E9%99%B7%E8%BF%9B%E5%A4%A7%E8%80%B3%E7%AA%BF\"><\/span>\u5df2\u7ecf\u9677\u8fdb\u5927\u8033\u7abf?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>\u501f\u94b1\u7684\u4f60\u5728\u6cd5\u5f8b\u4e0a\u6ca1\u6709\u7f6a,\u65e0\u724c\u653e\u8d37\u7684\u4ed6\u4eec\u624d\u6709\u3002\u62a5\u8b66,\u4fdd\u7559\u6240\u6709\u8bc1\u636e(\u4fe1\u606f\u3001\u6536\u636e),\u8054\u7cfb\u76f8\u5173\u6c42\u52a9\u70ed\u7ebf\u3002iMoney\u6709\u5b8c\u6574\u7684\u5e94\u5bf9\u5927\u8033\u7abf\u6743\u76ca\u6307\u5357\u3002<br \/>\n<div class=\"block block--info\"><div class=\"block__title\">\u60f3\u770b\u9002\u5408\u4f60\u6536\u5165\u7684\u6301\u724c\u9009\u9879?<\/div><div><a class=\"btn btn-primary\" href=\"https:\/\/www.imoney.my\/personal-loan\/low-income?src=articles-zh\" target=\"_blank\" rel=\"noopener\">\u6bd4\u8f83\u4f4e\u6536\u5165\u4e2a\u4eba\u8d37\u6b3e<\/a><br \/>\n<\/div><\/div><br \/>\n<small>\u4f9d\u636e:1951\u5e74\u653e\u8d37\u4eba\u6cd5\u4ee4\u53d1\u724c\u8981\u6c42\u4e0e\u5229\u7387\u9876\u9650(KPKT);\u4ea7\u54c1\u7ed3\u6784\u6309\u5404\u673a\u6784;\u6210\u672c\u8868\u4e3a\u6240\u8ff0\u5229\u7387\u4e0b\u7684\u8bf4\u660e\u6027\u8ba1\u7b97,\u4ee5\u5b9e\u9645\u62a5\u4ef7\u4e3a\u51c6\u3002\u53e6\u89c1iMoney\u5927\u8033\u7abf\u4e0e\u6301\u724c\u653e\u8d37\u4eba\u6307\u5357\u3002<\/small><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u624b\u5934\u7d27\u7684\u65f6\u5019,&#8221;5\u5206\u949f\u6279\u6838&#8221;\u7684\u8d37\u6b3e\u5e7f\u544a\u770b\u8d77\u6765\u50cf\u6551\u661f\u3002\u6309\u4e0b\u7533\u8bf7\u4e4b\u524d,\u8fd9\u4e94\u5206\u949f\u53ef\u80fd\u5e2e\u4f60\u7701\u4e0b\u51e0\u5343\u4ee4\u5409,\u6216\u8005\u66f4\u591a\u3002<\/p>\n","protected":false},"author":1,"featured_media":70998,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[8153,8137],"tags":[8159,8167,8163,8165],"class_list":["post-70919","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-8153","category-8137","tag-akpk","tag-8167","tag-8163","tag-8165"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>\u6708\u85aa\u4f4e\u4e8e3000\u4ee4\u5409\u9700\u8981\u8d37\u6b3e\uff1f\u8bf7\u9605\u8bfb\u6211\u4eec\u7684\u5b89\u5168\u6307\u5357<\/title>\n<meta name=\"description\" content=\"\u4f4e\u6536\u5165\u8005\u7684\u6cd5\u5f8b\u9009\u62e9\u3001\u5982\u4f55\u67e5\u770b KPKT \u8bb8\u53ef\u8bc1\u30012026 \u5e74\u963f\u9f99\u6807\u5fd7\u4ee5\u53ca\u501f\u8d37\u524d\u7684 4 \u79cd\u66ff\u4ee3\u65b9\u6848\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:\/\/www.imoney.my\/articles\/zh\/low-income-loan-safe-guide\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u6708\u85aa\u4f4e\u4e8e3000\u4ee4\u5409\u9700\u8981\u8d37\u6b3e\uff1f\u8bf7\u9605\u8bfb\u6211\u4eec\u7684\u5b89\u5168\u6307\u5357\" \/>\n<meta property=\"og:description\" content=\"\u4f4e\u6536\u5165\u8005\u7684\u6cd5\u5f8b\u9009\u62e9\u3001\u5982\u4f55\u67e5\u770b KPKT \u8bb8\u53ef\u8bc1\u30012026 \u5e74\u963f\u9f99\u6807\u5fd7\u4ee5\u53ca\u501f\u8d37\u524d\u7684 4 \u79cd\u66ff\u4ee3\u65b9\u6848\u3002\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.imoney.my\/articles\/zh\/low-income-loan-safe-guide\" \/>\n<meta property=\"og:site_name\" content=\"iMoney Malaysia\" \/>\n<meta property=\"article:published_time\" content=\"2026-09-08T09:00:29+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2026\/09\/07104916\/gaji-article-image-zh.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=\"iMoney Editorial\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"iMoney Editorial\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"1 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.imoney.my\\\/articles\\\/zh\\\/low-income-loan-safe-guide#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.imoney.my\\\/articles\\\/zh\\\/low-income-loan-safe-guide\"},\"author\":{\"name\":\"iMoney Editorial\",\"@id\":\"https:\\\/\\\/www.imoney.my\\\/articles\\\/#\\\/schema\\\/person\\\/2dc429bac9840e75ad08ab242c57dcbb\"},\"headline\":\"\u6708\u85aa\u4e09\u5343\u4ee5\u4e0b\u60f3\u501f\u94b1?\u5148\u8bfb\u8fd9\u7bc7\u3002\",\"datePublished\":\"2026-09-08T09:00:29+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.imoney.my\\\/articles\\\/zh\\\/low-income-loan-safe-guide\"},\"wordCount\":38,\"image\":{\"@id\":\"https:\\\/\\\/www.imoney.my\\\/articles\\\/zh\\\/low-income-loan-safe-guide#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/static.imoney.my\\\/articles\\\/wp-content\\\/uploads\\\/2026\\\/09\\\/07104916\\\/gaji-article-image-zh.png\",\"keywords\":[\"AKPK\",\"\u4e2a\u4eba\u8d37\u6b3e\",\"\u6301\u724c\u8d37\u6b3e\u4eba\",\"\u9ad8\u5229\u8d37\u8005\"],\"articleSection\":[\"\u6307\u5357\",\"\u8d44\u91d1\u7ba1\u7406\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.imoney.my\\\/articles\\\/zh\\\/low-income-loan-safe-guide\",\"url\":\"https:\\\/\\\/www.imoney.my\\\/articles\\\/zh\\\/low-income-loan-safe-guide\",\"name\":\"\u6708\u85aa\u4f4e\u4e8e3000\u4ee4\u5409\u9700\u8981\u8d37\u6b3e\uff1f\u8bf7\u9605\u8bfb\u6211\u4eec\u7684\u5b89\u5168\u6307\u5357\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.imoney.my\\\/articles\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.imoney.my\\\/articles\\\/zh\\\/low-income-loan-safe-guide#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.imoney.my\\\/articles\\\/zh\\\/low-income-loan-safe-guide#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/static.imoney.my\\\/articles\\\/wp-content\\\/uploads\\\/2026\\\/09\\\/07104916\\\/gaji-article-image-zh.png\",\"datePublished\":\"2026-09-08T09:00:29+00:00\",\"author\":{\"@id\":\"https:\\\/\\\/www.imoney.my\\\/articles\\\/#\\\/schema\\\/person\\\/2dc429bac9840e75ad08ab242c57dcbb\"},\"description\":\"\u4f4e\u6536\u5165\u8005\u7684\u6cd5\u5f8b\u9009\u62e9\u3001\u5982\u4f55\u67e5\u770b KPKT \u8bb8\u53ef\u8bc1\u30012026 \u5e74\u963f\u9f99\u6807\u5fd7\u4ee5\u53ca\u501f\u8d37\u524d\u7684 4 \u79cd\u66ff\u4ee3\u65b9\u6848\u3002\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.imoney.my\\\/articles\\\/zh\\\/low-income-loan-safe-guide#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.imoney.my\\\/articles\\\/zh\\\/low-income-loan-safe-guide\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/www.imoney.my\\\/articles\\\/zh\\\/low-income-loan-safe-guide#primaryimage\",\"url\":\"https:\\\/\\\/static.imoney.my\\\/articles\\\/wp-content\\\/uploads\\\/2026\\\/09\\\/07104916\\\/gaji-article-image-zh.png\",\"contentUrl\":\"https:\\\/\\\/static.imoney.my\\\/articles\\\/wp-content\\\/uploads\\\/2026\\\/09\\\/07104916\\\/gaji-article-image-zh.png\",\"width\":1200,\"height\":630,\"caption\":\"\u6e05\u6668\u5728\u516c\u4ea4\u7ad9\u7684\u9752\u5e74\u72b9\u8c6b\u7740\u8981\u4e0d\u8981\u70b9\u51fb\u624b\u673a\u4e0a\u7684\u8d37\u6b3e\u5e7f\u544a\uff0ciMoney\u5b89\u5168\u8d37\u6b3e\u6307\u5357\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.imoney.my\\\/articles\\\/zh\\\/low-income-loan-safe-guide#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/www.imoney.my\\\/articles\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"\u8d44\u91d1\u7ba1\u7406\",\"item\":\"https:\\\/\\\/www.imoney.my\\\/articles\\\/zh\\\/category\\\/%e8%b5%84%e9%87%91%e7%ae%a1%e7%90%86\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"\u6708\u85aa\u4e09\u5343\u4ee5\u4e0b\u60f3\u501f\u94b1?\u5148\u8bfb\u8fd9\u7bc7\u3002\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.imoney.my\\\/articles\\\/#website\",\"url\":\"https:\\\/\\\/www.imoney.my\\\/articles\\\/\",\"name\":\"iMoney Malaysia\",\"description\":\"Everything you need to know about improving your personal finances.\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.imoney.my\\\/articles\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/www.imoney.my\\\/articles\\\/#\\\/schema\\\/person\\\/2dc429bac9840e75ad08ab242c57dcbb\",\"name\":\"iMoney Editorial\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/484677d6814081d0b791a545e2dd7d826425b53411de07415367b72a884f01c8?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/484677d6814081d0b791a545e2dd7d826425b53411de07415367b72a884f01c8?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/484677d6814081d0b791a545e2dd7d826425b53411de07415367b72a884f01c8?s=96&d=mm&r=g\",\"caption\":\"iMoney Editorial\"},\"description\":\"iMoney Editorial Team is composed of 4 writers with wide-ranging interests and areas of expertise. Their primary responsibility is to write financial-related articles to share and educate Malaysians on how to save, make and grow their money.\",\"sameAs\":[\"http:\\\/\\\/www.imoney.my\"],\"url\":\"https:\\\/\\\/www.imoney.my\\\/articles\\\/author\\\/chinglee\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"\u6708\u85aa\u4f4e\u4e8e3000\u4ee4\u5409\u9700\u8981\u8d37\u6b3e\uff1f\u8bf7\u9605\u8bfb\u6211\u4eec\u7684\u5b89\u5168\u6307\u5357","description":"\u4f4e\u6536\u5165\u8005\u7684\u6cd5\u5f8b\u9009\u62e9\u3001\u5982\u4f55\u67e5\u770b KPKT \u8bb8\u53ef\u8bc1\u30012026 \u5e74\u963f\u9f99\u6807\u5fd7\u4ee5\u53ca\u501f\u8d37\u524d\u7684 4 \u79cd\u66ff\u4ee3\u65b9\u6848\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:\/\/www.imoney.my\/articles\/zh\/low-income-loan-safe-guide","og_locale":"en_US","og_type":"article","og_title":"\u6708\u85aa\u4f4e\u4e8e3000\u4ee4\u5409\u9700\u8981\u8d37\u6b3e\uff1f\u8bf7\u9605\u8bfb\u6211\u4eec\u7684\u5b89\u5168\u6307\u5357","og_description":"\u4f4e\u6536\u5165\u8005\u7684\u6cd5\u5f8b\u9009\u62e9\u3001\u5982\u4f55\u67e5\u770b KPKT \u8bb8\u53ef\u8bc1\u30012026 \u5e74\u963f\u9f99\u6807\u5fd7\u4ee5\u53ca\u501f\u8d37\u524d\u7684 4 \u79cd\u66ff\u4ee3\u65b9\u6848\u3002","og_url":"https:\/\/www.imoney.my\/articles\/zh\/low-income-loan-safe-guide","og_site_name":"iMoney Malaysia","article_published_time":"2026-09-08T09:00:29+00:00","og_image":[{"width":1200,"height":630,"url":"https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2026\/09\/07104916\/gaji-article-image-zh.png","type":"image\/png"}],"author":"iMoney Editorial","twitter_card":"summary_large_image","twitter_misc":{"Written by":"iMoney Editorial","Est. reading time":"1 minute"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.imoney.my\/articles\/zh\/low-income-loan-safe-guide#article","isPartOf":{"@id":"https:\/\/www.imoney.my\/articles\/zh\/low-income-loan-safe-guide"},"author":{"name":"iMoney Editorial","@id":"https:\/\/www.imoney.my\/articles\/#\/schema\/person\/2dc429bac9840e75ad08ab242c57dcbb"},"headline":"\u6708\u85aa\u4e09\u5343\u4ee5\u4e0b\u60f3\u501f\u94b1?\u5148\u8bfb\u8fd9\u7bc7\u3002","datePublished":"2026-09-08T09:00:29+00:00","mainEntityOfPage":{"@id":"https:\/\/www.imoney.my\/articles\/zh\/low-income-loan-safe-guide"},"wordCount":38,"image":{"@id":"https:\/\/www.imoney.my\/articles\/zh\/low-income-loan-safe-guide#primaryimage"},"thumbnailUrl":"https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2026\/09\/07104916\/gaji-article-image-zh.png","keywords":["AKPK","\u4e2a\u4eba\u8d37\u6b3e","\u6301\u724c\u8d37\u6b3e\u4eba","\u9ad8\u5229\u8d37\u8005"],"articleSection":["\u6307\u5357","\u8d44\u91d1\u7ba1\u7406"],"inLanguage":"en-US"},{"@type":"WebPage","@id":"https:\/\/www.imoney.my\/articles\/zh\/low-income-loan-safe-guide","url":"https:\/\/www.imoney.my\/articles\/zh\/low-income-loan-safe-guide","name":"\u6708\u85aa\u4f4e\u4e8e3000\u4ee4\u5409\u9700\u8981\u8d37\u6b3e\uff1f\u8bf7\u9605\u8bfb\u6211\u4eec\u7684\u5b89\u5168\u6307\u5357","isPartOf":{"@id":"https:\/\/www.imoney.my\/articles\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.imoney.my\/articles\/zh\/low-income-loan-safe-guide#primaryimage"},"image":{"@id":"https:\/\/www.imoney.my\/articles\/zh\/low-income-loan-safe-guide#primaryimage"},"thumbnailUrl":"https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2026\/09\/07104916\/gaji-article-image-zh.png","datePublished":"2026-09-08T09:00:29+00:00","author":{"@id":"https:\/\/www.imoney.my\/articles\/#\/schema\/person\/2dc429bac9840e75ad08ab242c57dcbb"},"description":"\u4f4e\u6536\u5165\u8005\u7684\u6cd5\u5f8b\u9009\u62e9\u3001\u5982\u4f55\u67e5\u770b KPKT \u8bb8\u53ef\u8bc1\u30012026 \u5e74\u963f\u9f99\u6807\u5fd7\u4ee5\u53ca\u501f\u8d37\u524d\u7684 4 \u79cd\u66ff\u4ee3\u65b9\u6848\u3002","breadcrumb":{"@id":"https:\/\/www.imoney.my\/articles\/zh\/low-income-loan-safe-guide#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.imoney.my\/articles\/zh\/low-income-loan-safe-guide"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.imoney.my\/articles\/zh\/low-income-loan-safe-guide#primaryimage","url":"https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2026\/09\/07104916\/gaji-article-image-zh.png","contentUrl":"https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2026\/09\/07104916\/gaji-article-image-zh.png","width":1200,"height":630,"caption":"\u6e05\u6668\u5728\u516c\u4ea4\u7ad9\u7684\u9752\u5e74\u72b9\u8c6b\u7740\u8981\u4e0d\u8981\u70b9\u51fb\u624b\u673a\u4e0a\u7684\u8d37\u6b3e\u5e7f\u544a\uff0ciMoney\u5b89\u5168\u8d37\u6b3e\u6307\u5357"},{"@type":"BreadcrumbList","@id":"https:\/\/www.imoney.my\/articles\/zh\/low-income-loan-safe-guide#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.imoney.my\/articles\/"},{"@type":"ListItem","position":2,"name":"\u8d44\u91d1\u7ba1\u7406","item":"https:\/\/www.imoney.my\/articles\/zh\/category\/%e8%b5%84%e9%87%91%e7%ae%a1%e7%90%86"},{"@type":"ListItem","position":3,"name":"\u6708\u85aa\u4e09\u5343\u4ee5\u4e0b\u60f3\u501f\u94b1?\u5148\u8bfb\u8fd9\u7bc7\u3002"}]},{"@type":"WebSite","@id":"https:\/\/www.imoney.my\/articles\/#website","url":"https:\/\/www.imoney.my\/articles\/","name":"iMoney Malaysia","description":"Everything you need to know about improving your personal finances.","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.imoney.my\/articles\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Person","@id":"https:\/\/www.imoney.my\/articles\/#\/schema\/person\/2dc429bac9840e75ad08ab242c57dcbb","name":"iMoney Editorial","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/secure.gravatar.com\/avatar\/484677d6814081d0b791a545e2dd7d826425b53411de07415367b72a884f01c8?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/484677d6814081d0b791a545e2dd7d826425b53411de07415367b72a884f01c8?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/484677d6814081d0b791a545e2dd7d826425b53411de07415367b72a884f01c8?s=96&d=mm&r=g","caption":"iMoney Editorial"},"description":"iMoney Editorial Team is composed of 4 writers with wide-ranging interests and areas of expertise. Their primary responsibility is to write financial-related articles to share and educate Malaysians on how to save, make and grow their money.","sameAs":["http:\/\/www.imoney.my"],"url":"https:\/\/www.imoney.my\/articles\/author\/chinglee"}]}},"_links":{"self":[{"href":"https:\/\/www.imoney.my\/articles\/wp-json\/wp\/v2\/posts\/70919","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.imoney.my\/articles\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.imoney.my\/articles\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.imoney.my\/articles\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.imoney.my\/articles\/wp-json\/wp\/v2\/comments?post=70919"}],"version-history":[{"count":4,"href":"https:\/\/www.imoney.my\/articles\/wp-json\/wp\/v2\/posts\/70919\/revisions"}],"predecessor-version":[{"id":71022,"href":"https:\/\/www.imoney.my\/articles\/wp-json\/wp\/v2\/posts\/70919\/revisions\/71022"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.imoney.my\/articles\/wp-json\/wp\/v2\/media\/70998"}],"wp:attachment":[{"href":"https:\/\/www.imoney.my\/articles\/wp-json\/wp\/v2\/media?parent=70919"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.imoney.my\/articles\/wp-json\/wp\/v2\/categories?post=70919"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.imoney.my\/articles\/wp-json\/wp\/v2\/tags?post=70919"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}