{"id":4045,"date":"2026-07-09T12:49:33","date_gmt":"2026-07-09T04:49:33","guid":{"rendered":"https:\/\/fmij.hk\/?p=4045"},"modified":"2026-07-09T18:44:04","modified_gmt":"2026-07-09T10:44:04","slug":"how-to-buy-property-in-japan","status":"publish","type":"post","link":"https:\/\/fmij.hk\/en\/blog\/beginners-guide\/how-to-buy-property-in-japan\/","title":{"rendered":"\u6e2f\u4eba\u6d77\u5916\u7f6e\u696d\u5fc5\u5b78\uff1a\u65e5\u672c\u8cb7\u6a13\u7684\u65b9\u6cd5\u3001\u6838\u5fc3\u6d41\u7a0b\u8207\u9632\u9677\u9631\u5168\u653b\u7565"},"content":{"rendered":"<p>\u8fd1\u5e74\u6d77\u5916\u8cc7\u7522\u914d\u7f6e\u6210\u70ba\u5927\u8da8\u52e2\uff0c\u65e5\u672c\u6191\u8457\u6975\u4f4e\u7684\u65e5\u5713\u532f\u7387\u3001\u653f\u6cbb\u7d93\u6fdf\u7a69\u5b9a\u4ee5\u53ca\u9ad8\u900f\u660e\u5ea6\u7684\u6cd5\u5f8b\u5236\u5ea6\uff0c\u6210\u70ba\u9999\u6e2f\u4eba\u6d77\u5916\u7f6e\u696d\u7684\u9996\u9078\u3002<\/p>\n\n\n\n<p>\u7136\u800c\uff0c\u7576\u8a31\u591a\u4eba\u958b\u59cb\u4e0a\u7db2\u641c\u5c0b\u300c\u65e5\u672c\u8cb7\u6a13\u7684\u65b9\u6cd5\u300d\u6642\uff0c\u5f80\u5f80\u6703\u88ab\u4e00\u5927\u5806\u65e5\u672c\u5730\u7522\u5c08\u6709\u540d\u8a5e\uff08\u5982\uff1a\u5b85\u5efa\u58eb\u3001\u91cd\u8981\u4e8b\u9805\u8aaa\u660e\u66f8\u3001\u53f8\u6cd5\u66f8\u58eb\u7b49\uff09\u641e\u5f97\u982d\u660f\u8166\u8139\u3002\u5230\u5e95\u9694\u5c71\u8cb7\u725b\u8981\u600e\u6a23\u51fa\u50f9\uff1f\u8cc7\u91d1\u5982\u4f55\u8de8\u5883\u532f\u6b3e\u624d\u5b89\u5168\uff1f\u81ea\u5df1\u4eba\u5728\u9999\u6e2f\uff0c\u53c8\u8a72\u5982\u4f55\u7ba1\u7406\u5343\u91cc\u4e4b\u5916\u7684\u7269\u696d\uff1f\u5982\u679c\u76f2\u76ee\u8ddf\u5f9e\u4e0d\u6b63\u898f\u7684\u4e2d\u4ecb\uff0c\u5f88\u5bb9\u6613\u5728\u904e\u7a0b\u4e2d\u58ae\u5165\u9000\u79df\u3001\u9055\u5efa\u6216\u6f0f\u7a05\u7684\u9677\u9631\u3002<\/p>\n\n\n\n<p>\u4ee5\u4e0b\u7531 <strong>FMI JAPAN<\/strong> \u5c08\u696d\u5718\u968a\u70ba\u5927\u5bb6\u6574\u7406\u51fa\u4e00\u5957\u6700\u9069\u5408\u9999\u6e2f\u4eba\u7684\u300c\u65e5\u672c\u8cb7\u6a13\u7684\u65b9\u6cd5\u300d\u8207\u4e94\u5927\u6838\u5fc3\u6b65\u9a5f\uff0c\u52a9\u4f60\u5b89\u5168\u3001\u5408\u898f\u5730\u4e00\u6b65\u5230\u4f4d\u6210\u70ba\u65e5\u672c\u696d\u4e3b\u3002<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_85 counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">\u5167\u5bb9\u76ee\u9304<\/p>\n<span class=\"ez-toc-title-toggle\"><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/fmij.hk\/en\/blog\/beginners-guide\/how-to-buy-property-in-japan\/#%E6%97%A5%E6%9C%AC%E8%B2%B7%E6%A8%93%E7%9A%84%E6%96%B9%E6%B3%95%EF%BC%9A%E5%85%A8%E7%8F%BE%E9%87%91%E8%B2%B7%EF%BC%88Cash_Buy%EF%BC%89%E8%88%87%E6%8C%89%E6%8F%AD%E8%B2%B8%E6%AC%BE%E4%B9%8B%E5%B0%8D%E7%85%A7\" >\u65e5\u672c\u8cb7\u6a13\u7684\u65b9\u6cd5\uff1a\u5168\u73fe\u91d1\u8cb7\uff08Cash Buy\uff09\u8207\u6309\u63ed\u8cb8\u6b3e\u4e4b\u5c0d\u7167<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/fmij.hk\/en\/blog\/beginners-guide\/how-to-buy-property-in-japan\/#%E8%A6%8F%E7%AF%84%E5%8C%96%E6%97%A5%E6%9C%AC%E8%B2%B7%E6%A8%93_5_%E5%A4%A7%E6%A0%B8%E5%BF%83%E6%AD%A5%E9%A9%9F\" >\u898f\u7bc4\u5316\u65e5\u672c\u8cb7\u6a13 5 \u5927\u6838\u5fc3\u6b65\u9a5f<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/fmij.hk\/en\/blog\/beginners-guide\/how-to-buy-property-in-japan\/#FMI_JAPAN_%E5%B0%88%E5%AE%B6%E5%BB%BA%E8%AD%B0%EF%BC%9A%E6%89%93%E7%A0%B4%E5%82%B3%E7%B5%B1%E4%B8%AD%E4%BB%8B%E9%99%90%E5%88%B6%EF%BC%8C%E5%B0%8A%E4%BA%AB%E4%B8%80%E7%AB%99%E5%BC%8F%E5%85%8D%E6%93%8D%E5%BF%83%E8%A8%97%E7%AE%A1\" >FMI JAPAN \u5c08\u5bb6\u5efa\u8b70\uff1a\u6253\u7834\u50b3\u7d71\u4e2d\u4ecb\u9650\u5236\uff0c\u5c0a\u4eab\u4e00\u7ad9\u5f0f\u514d\u64cd\u5fc3\u8a17\u7ba1<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E6%97%A5%E6%9C%AC%E8%B2%B7%E6%A8%93%E7%9A%84%E6%96%B9%E6%B3%95%EF%BC%9A%E5%85%A8%E7%8F%BE%E9%87%91%E8%B2%B7%EF%BC%88Cash_Buy%EF%BC%89%E8%88%87%E6%8C%89%E6%8F%AD%E8%B2%B8%E6%AC%BE%E4%B9%8B%E5%B0%8D%E7%85%A7\"><\/span>\u65e5\u672c\u8cb7\u6a13\u7684\u65b9\u6cd5\uff1a\u5168\u73fe\u91d1\u8cb7\uff08Cash Buy\uff09\u8207\u6309\u63ed\u8cb8\u6b3e\u4e4b\u5c0d\u7167<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u5728\u898f\u5283\u8cb7\u6a13\u524d\uff0c\u9996\u5148\u8981\u6c7a\u5b9a\u4f60\u7684\u8ca1\u52d9\u548c\u8cc7\u91d1\u8abf\u914d\u65b9\u6848\u3002\u5916\u570b\u4eba\u5728\u65e5\u672c\u8cb7\u6a13\u7684\u65b9\u6cd5\u4e3b\u8981\u5206\u70ba\u4ee5\u4e0b\u5169\u7a2e\uff1a<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><td><strong>\u8a55\u4f30\u9805\u76ee<\/strong><\/td><td><strong>\u65b9\u6848 A\uff1a\u5168\u73fe\u91d1\u8a8d\u8cfc (Cash Buy)<\/strong><\/td><td><strong>\u65b9\u6848 B\uff1a\u7533\u8acb\u9280\u884c\u6309\u63ed\u8cb8\u6b3e (Mortgage)<\/strong><\/td><\/tr><\/thead><tbody><tr><td><strong>\u8cc7\u91d1\u6e96\u5099<\/strong><\/td><td>\u9700\u5728\u7c3d\u7d04\u5f8c 1 \u81f3 2 \u500b\u6708\u5167\u6e96\u5099\u597d 100% \u6a13\u50f9\u53ca\u96dc\u8cbb\u3002<\/td><td>\u9700\u6e96\u5099\u7d04 4 \u81f3 5 \u6210\u9996\u671f\uff0c\u5176\u9918\u7531\u9280\u884c\u8cb8\u6b3e\u3002<\/td><\/tr><tr><td><strong>\u9069\u5408\u5c0d\u8c61<\/strong><\/td><td>\u8ffd\u6c42\u300c\u5feb\u3001\u6e96\u3001\u72e0\u300d\u62a2\u76e4\uff0c\u6216\u9810\u7b97\u8f03\u4f4e\u3001\u8cfc\u8cb7\u5c0f\u578b\u55ae\u4f4d\u7684\u8cb7\u5bb6\u3002<\/td><td>\u8ffd\u6c42\u8ca1\u52d9\u69d3\u687f\u3001\u5e0c\u671b\u4fdd\u7559\u73fe\u91d1\u6d41\uff0c\u4e14\u8cfc\u8cb7\u5e02\u4e2d\u5fc3\u512a\u8cea\u65b0\u6a13\u7684\u8cb7\u5bb6\u3002<\/td><\/tr><tr><td><strong>\u53ef\u9078\u9280\u884c<\/strong><\/td><td>\u4e0d\u9069\u7528\u3002<\/td><td>\u9999\u6e2f\u672c\u5730\u83ef\u8cc7\u9280\u884c\uff08\u5982\u4e2d\u9280\u3001\u4ea4\u884c\uff09\u6216\u65e5\u672c\u5728\u5730\u83ef\u8cc7\u9280\u884c\u3002<\/td><\/tr><tr><td><strong>\u5be9\u6279\u96e3\u6613\u5ea6<\/strong><\/td><td>\u6bcb\u9808\u7d93\u904e\u9280\u884c\u5be9\u67e5\uff0c\u904e\u6236\u901f\u5ea6\u6700\u5feb\u3002<\/td><td>\u9280\u884c\u6703\u56b4\u683c\u5be9\u67e5\u8cb7\u5bb6\u5728\u9999\u6e2f\u7684\u6536\u5165\u8b49\u660e\uff08\u7a05\u55ae\u3001\u5165\u606f\u7d00\u9304\uff09\u53ca\u7269\u696d\u5730\u6bb5\u3002<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E8%A6%8F%E7%AF%84%E5%8C%96%E6%97%A5%E6%9C%AC%E8%B2%B7%E6%A8%93_5_%E5%A4%A7%E6%A0%B8%E5%BF%83%E6%AD%A5%E9%A9%9F\"><\/span>\u898f\u7bc4\u5316\u65e5\u672c\u8cb7\u6a13 5 \u5927\u6838\u5fc3\u6b65\u9a5f<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<div class=\"schema-how-to wp-block-yoast-how-to-block\"><p class=\"schema-how-to-description\">\u65e5\u672c\u7684\u623f\u5730\u7522\u4ea4\u6613\u5236\u5ea6\u975e\u5e38\u5b8c\u5584\u4e14\u56b4\u683c\uff0c\u6bcf\u4e00\u6b65\u90fd\u6709\u6cd5\u5f8b\u4fdd\u969c\u3002\u4e00\u500b\u5b89\u5168\u4e14\u6b63\u898f\u7684\u8cb7\u6a13\u7684\u65b9\u6cd5\uff0c\u5fc5\u9808\u7d93\u6b77\u4ee5\u4e0b\u7a0b\u5e8f\uff1a<\/p> <ol class=\"schema-how-to-steps\"><li class=\"schema-how-to-step\" id=\"how-to-step-1783572638258\"><strong class=\"schema-how-to-step-name\">\u9078\u5b9a\u7269\u696d\u4e26\u63d0\u4ea4\u300c\u8cfc\u8cb7\u610f\u5411\u66f8\u300d<\/strong> <p 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class=\"schema-how-to-step-text\">\u5728\u6b63\u5f0f\u7c3d\u7f72\u8cb7\u8ce3\u5408\u7d04\u524d\uff0c\u65e5\u672c\u6cd5\u5f8b\u5f37\u5236\u898f\u5b9a\u5fc5\u9808\u7531\u6301\u6709\u570b\u5bb6\u8cc7\u683c\u7684\u300c\u5b85\u5730\u5efa\u7269\u53d6\u5f15\u58eb\u300d\uff08\u7c21\u7a31\u5b85\u5efa\u58eb\uff09\uff0c\u5411\u8cb7\u5bb6\u9010\u4e00\u8b1b\u89e3\u300c\u91cd\u8981\u4e8b\u9805\u8aaa\u660e\u66f8\u300d\u3002\u5167\u5bb9\u6db5\u84cb\u7269\u696d\u6709\u6c92\u6709\u9055\u5efa\u3001\u5927\u5ec8\u8010\u9707\u57fa\u6e96\u3001\u7ba1\u7406\u8cbb\u8207\u4fee\u7e55\u7a4d\u7acb\u91d1\u7684\u591a\u5be1\u7b49\u3002\u9019\u662f\u4fdd\u969c\u6d77\u5916\u8cb7\u5bb6\u77e5\u60c5\u6b0a\u6700\u95dc\u9375\u7684\u4e00\u6b65\u3002<\/p> <\/li><li class=\"schema-how-to-step\" id=\"how-to-step-1783573510925\"><strong class=\"schema-how-to-step-name\">\u7c3d\u7f72\u6b63\u5f0f\u8cb7\u8ce3\u5408\u7d04\u4e26\u652f\u4ed8\u8a02\u91d1<\/strong> <p class=\"schema-how-to-step-text\">\u96d9\u65b9\u9054\u6210\u5171\u8b58\u5f8c\uff0c\u6b63\u5f0f\u7c3d\u7f72\u4e0d\u52d5\u7522\u8cb7\u8ce3\u5951\u7d04\u66f8\u3002\u9999\u6e2f\u8cb7\u5bb6\u5728\u6b64\u968e\u6bb5\u9700\u8981\u652f\u4ed8\u6a13\u50f9\u7684 5% \u81f3 10% \u4f5c\u70ba\u8a02\u91d1\uff08\u624b\u4ed8\u91d1\uff09\u3002\u540c\u6642\uff0c\u8cb7\u5bb6\u9700\u5728\u9999\u6e2f\u8fa6\u59a5\u300c\u8eab\u4efd\u8b49\/\u5730\u5740\u5ba3\u8a93\u66f8\u300d\u4e4b\u516c\u8b49\u6587\u4ef6\uff0c\u4ee5\u4fbf\u65e5\u672c\u6cd5\u52d9\u5c40\u65e5\u5f8c\u4f5c\u7522\u6b0a\u767b\u8a18\u3002<\/p> <\/li><li class=\"schema-how-to-step\" id=\"how-to-step-1783573522073\"><strong class=\"schema-how-to-step-name\">\u6309\u63ed\u5be9\u6279\u8207\u8de8\u5883\u5c3e\u6578\u532f\u6b3e<\/strong> <p class=\"schema-how-to-step-text\">\u82e5\u9078\u64c7\u6309\u63ed\u8cb7\u6a13\u7684\u65b9\u6cd5\uff0c\u6b64\u6642\u9700\u6b63\u5f0f\u5411\u9280\u884c\u63d0\u4ea4\u6587\u4ef6\u9032\u884c\u5be9\u6279\u3002\u82e5\u70ba\u5168\u73fe\u91d1\u8cb7\u5bb6\uff0c\u5247\u9808\u900f\u904e\u5408\u898f\u3001\u5b89\u5168\u7684\u8de8\u5883\u91d1\u878d\u6e20\u9053\uff0c\u5c07\u5176\u9918\u7684\u6a13\u50f9\u5c3e\u6578\u53ca\u5370\u82b1\u7a05\u7b49\u96dc\u8cbb\uff0c\u532f\u5165\u767c\u5c55\u5546\u6216\u53f8\u6cd5\u66f8\u58eb\u7684\u6cd5\u5b9a\u6307\u5b9a\u8cec\u6236\u3002<\/p> <\/li><li class=\"schema-how-to-step\" id=\"how-to-step-1783573537708\"><strong class=\"schema-how-to-step-name\">\u53f8\u6cd5\u66f8\u58eb\u898b\u8b49\u7522\u6b0a\u904e\u6236\u8207\u6307\u6d3e\u7d0d\u7a05\u4eba<\/strong> <p class=\"schema-how-to-step-text\">\u5728\u6240\u6709\u8cc7\u91d1\u5230\u8cec\u5f8c\uff0c\u7531\u65e5\u672c\u7576\u5730\u7684\u300c\u53f8\u6cd5\u66f8\u58eb\u300d\uff08\u7b49\u540c\u9999\u6e2f\u7684\u5f8b\u5e2b\uff09\u89aa\u81ea\u524d\u5f80\u6cd5\u52d9\u5c40\uff0c\u5373\u6642\u8fa6\u7406\u6240\u6709\u6b0a\u79fb\u8f49\u767b\u8a18\uff08\u696d\u6b0a\u904e\u6236\uff09\u3002\u6d77\u5916\u696d\u4e3b\u5728\u6b64\u6642\u4ea6\u5fc5\u9808\u4f9d\u6cd5\u6307\u6d3e\u4e00\u4f4d\u65e5\u672c\u7576\u5730\u7684\u300c\u7d0d\u7a05\u7ba1\u7406\u4eba\u300d\uff0c\u7528\u4ee5\u4ee3\u7e73\u65e5\u5f8c\u7684\u56fa\u5b9a\u8cc7\u7522\u7a05\u53ca\u8655\u7406\u79df\u91d1\u7533\u5831\u3002<\/p> <\/li><\/ol><\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"FMI_JAPAN_%E5%B0%88%E5%AE%B6%E5%BB%BA%E8%AD%B0%EF%BC%9A%E6%89%93%E7%A0%B4%E5%82%B3%E7%B5%B1%E4%B8%AD%E4%BB%8B%E9%99%90%E5%88%B6%EF%BC%8C%E5%B0%8A%E4%BA%AB%E4%B8%80%E7%AB%99%E5%BC%8F%E5%85%8D%E6%93%8D%E5%BF%83%E8%A8%97%E7%AE%A1\"><\/span>FMI JAPAN \u5c08\u5bb6\u5efa\u8b70\uff1a\u6253\u7834\u50b3\u7d71\u4e2d\u4ecb\u9650\u5236\uff0c\u5c0a\u4eab\u4e00\u7ad9\u5f0f\u514d\u64cd\u5fc3\u8a17\u7ba1<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u4e0a\u7db2\u5c0b\u627e\u8cb7\u6a13\u7684\u65b9\u6cd5\u4e26\u4e0d\u96e3\uff0c\u4f46\u300e\u8cb7\u5b8c\u4e4b\u5f8c\u7684\u6253\u7406\u65b9\u6cd5\u300f\u624d\u662f\u6c7a\u5b9a\u6295\u8cc7\u6210\u6557\u7684\u95dc\u9375\u3002\u5f88\u591a\u9999\u6e2f\u4eba\u5728\u7db2\u4e0a\u7d93\u4e0d\u77e5\u540d\u4e2d\u4ecb\u8cb7\u4e86\u4e8c\u624b\u820a\u6a13\uff0c\u6536\u6a13\u5f8c\u624d\u767c\u73fe\u51b7\u6c23\u58de\u6389\u3001\u6c34\u7ba1\u6f0f\u6c34\uff0c\u751a\u81f3\u56e0\u70ba\u8a9e\u8a00\u4e0d\u901a\u800c\u7121\u6cd5\u8207\u65e5\u672c\u79df\u5ba2\u6e9d\u901a\uff0c\u6700\u5f8c\u5f97\u4e0d\u511f\u5931\u3002<\/p>\n\n\n\n<p>\u6295\u8cc7\u6d77\u5916\u7269\u696d\uff0c\u6700\u8070\u660e\u3001\u6700\u5b89\u5168\u7684\u65b9\u6cd5\u5c31\u662f\uff1a<strong>\u76f4\u63a5\u5411\u6709\u5be6\u529b\u7684\u8a3b\u518a\u5730\u7522\u958b\u767c\u5546\u8cb7\u5168\u65b0\u4e00\u624b\u6a13\uff0c\u4e26\u914d\u5408\u5168\u65b9\u4f4d\u7684\u4e00\u689d\u9f8d\u8a17\u7ba1\u670d\u52d9\u3002<\/strong><\/p>\n\n\n\n<p>\u4f5c\u70ba\u6df1\u8015\u65e5\u672c\u623f\u5730\u7522\u7684\u8a3b\u518a\u958b\u767c\u5546\uff0c<strong>FMI JAPAN<\/strong> \u70ba\u9999\u6e2f\u6295\u8cc7\u8005\u63d0\u4f9b\u4e86\u4e00\u5957\u5b8c\u5168\u6253\u7834\u5730\u57df\u9650\u5236\u7684\u5b8c\u7f8e\u7f6e\u696d\u65b9\u6848\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u76f4\u552e\u514d\u4f63\uff0c\u8d0f\u5728\u8d77\u8dd1\u7dda<\/strong>\uff1a\u7531\u65bc <strong>FMI JAPAN<\/strong> \u81ea\u8eab\u5c31\u662f\u65e5\u672c\u4e00\u624b\u9805\u76ee\u7684\u958b\u767c\u5546\uff0c\u8cb7\u5bb6\u76f4\u63a5\u5411\u6211\u5011\u8a8d\u8cfc\uff0c\u901a\u5e38\u80fd\u5920<strong>\u514d\u9664\u9ad8\u9054\u300c\u6a13\u50f9 3% + 6\u842c\u65e5\u5713\u300d\u7684\u7269\u696d\u4ee3\u7406\u4e2d\u4ecb\u4f63\u91d1<\/strong>\u3002\u5165\u5834\u5373\u7701\u4e0b\u6578\u5341\u842c\u6e2f\u5143\u7684\u521d\u59cb\u73fe\u91d1\u6210\u672c\u3002<\/li>\n\n\n\n<li><strong>\u5728\u5730\u5718\u968a\uff0c\u6bcb\u9808\u8cb7\u5bb6\u81ea\u884c\u6253\u7406<\/strong>\uff1a\u51e1\u662f\u900f\u904e <strong>FMI JAPAN<\/strong> 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class=\"schema-faq-answer\">\u6709\u7684\u3002\u4ee5\u500b\u4eba\u540d\u7fa9\u8cb7\u6a13\uff0c\u65b9\u6cd5\u8f03\u70ba\u7c21\u55ae\u5feb\u6377\uff0c\u77ed\u671f\uff085\u5e74\u5167\uff09\u8f49\u552e\u7684\u8b93\u6e21\u6240\u5f97\u7a05\u8f03\u9ad8\uff08\u7d04 30%-40%\uff09\uff0c\u8d85\u904e 5 \u5e74\u5247\u6e1b\u534a\u81f3 15% 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