{"id":38320,"date":"2025-08-04T00:00:59","date_gmt":"2025-08-04T00:00:59","guid":{"rendered":"https:\/\/lisaslaw.co.uk\/?p=38320"},"modified":"2025-08-15T15:53:40","modified_gmt":"2025-08-15T15:53:40","slug":"%e8%8b%b1%e6%9c%80%e9%ab%98%e9%99%a2%e6%92%95%e5%bc%80%e8%bd%a6%e8%b4%b7%e9%9a%90%e6%80%a7%e4%bd%a3%e9%87%91%e9%81%ae%e7%be%9e%e5%b8%83%ef%bc%81180%e4%ba%bf%e9%95%91%e8%b5%94","status":"publish","type":"post","link":"https:\/\/lisaslaw.co.uk\/zh-hans\/%e8%8b%b1%e6%9c%80%e9%ab%98%e9%99%a2%e6%92%95%e5%bc%80%e8%bd%a6%e8%b4%b7%e9%9a%90%e6%80%a7%e4%bd%a3%e9%87%91%e9%81%ae%e7%be%9e%e5%b8%83%ef%bc%81180%e4%ba%bf%e9%95%91%e8%b5%94\/","title":{"rendered":"\u82f1\u6700\u9ad8\u9662\u6495\u5f00\u201c\u8f66\u8d37\u9690\u6027\u4f63\u91d1\u201d\u906e\u7f9e\u5e03\uff01180\u4ebf\u9551\u8d54\u507f\u600e\u4e48\u62ff\uff1f"},"content":{"rendered":"<p>\u5728\u82f1\u56fd\uff0c\u4e70\u8f66\u548c\u7528\u8f66\u7684\u65b9\u5f0f\u4e0e\u4e2d\u56fd\u4e0d\u592a\u4e00\u6837\u3002<\/p>\n<p>&nbsp;<\/p>\n<p>\u8bb8\u591a\u4e2d\u56fd\u6d88\u8d39\u8005\u504f\u597d\u4e00\u6b21\u6027\u4ed8\u6b3e\u6216\u901a\u8fc7\u94f6\u884c\u8d37\u6b3e\u8d2d\u8f66\uff0c\u800c\u5728\u82f1\u56fd\uff0c\u5927\u591a\u6570\u4eba\u66f4\u504f\u7231\u4ee5\u201c\u91d1\u878d\u65b9\u6848\u201d\uff08finance agreement\uff09\u7684\u5f62\u5f0f\uff0c\u901a\u8fc7\u5206\u671f\u79df\u8d41\uff08Lease\uff09\u6765\u4f7f\u7528\u8f66\u8f86\u3002<\/p>\n<p>&nbsp;<\/p>\n<p>\u8fd9\u79cd\u8d2d\u8f66\u4e60\u60ef\u4e0d\u4ec5\u4e0e\u82f1\u56fd\u6210\u719f\u7684\u91d1\u878d\u5e02\u573a\u548c\u5b8c\u5907\u7684\u4fe1\u7528\u4f53\u7cfb\u6709\u5173\uff0c\u66f4\u4e0e\u82f1\u56fd\u4eba\u5bf9\u6c7d\u8f66\u7684\u8d44\u4ea7\u8ba4\u77e5\u5bc6\u5207\u76f8\u5173\u2014\u2014\u5f88\u591a\u82f1\u56fd\u4eba\u8ba4\u4e3a\u8f66\u8f86\u5c5e\u4e8e\u8fc5\u901f\u8d2c\u503c\u7684\u201c\u8d1f\u8d44\u4ea7\u201d\uff0c\u56e0\u6b64\u4e0d\u613f\u610f\u6295\u5165\u8fc7\u9ad8\u7684\u9996\u4ed8\u6b3e\u3002<\/p>\n<p>&nbsp;<\/p>\n<p>\u6b63\u56e0\u5982\u6b64\uff0c\u82f1\u56fd\u6bcf\u5e74\u6709\u8d85\u8fc7200\u4e07\u8f86\u6c7d\u8f66\u662f\u901a\u8fc7\u91d1\u878d\u5408\u540c\u4ea4\u6613\u8fbe\u6210\u7684\uff0c\u5176\u4e2d\u4e00\u4e2a\u5e38\u89c1\u5f62\u5f0f\u662f\u201c\u79df\u8d2d\u534f\u8bae\u201d\uff08Hire Purchase, HP\uff09\u6216\u201c\u4e2a\u4eba\u5408\u540c\u8d2d\u4e70\u201d\uff08Personal Contract Purchase, PCP\uff09\u3002<\/p>\n<p>&nbsp;<\/p>\n<p>\u7136\u800c\uff0c\u8fd1\u5e74\u66dd\u5149\u7684\u201c\u8f66\u8d37\u4f63\u91d1\u201d\u4e11\u95fb\u63ed\u793a\u4e86\u8fd9\u4e00\u91d1\u878d\u673a\u5236\u4e0b\u9690\u85cf\u7684\u5de8\u5927\u98ce\u9669\u2014\u2014\u4e00\u4e9b\u6d88\u8d39\u8005\u5728\u6beb\u4e0d\u77e5\u60c5\u7684\u60c5\u51b5\u4e0b\uff0c\u4e3a\u6c7d\u8f66\u96f6\u552e\u5546\u548c\u91d1\u878d\u673a\u6784\u7684\u9690\u6027\u4f63\u91d1\u57cb\u5355\u3002<\/p>\n<p>&nbsp;<\/p>\n<p>\u4e0a\u5468\u4e94\uff0c\u82f1\u56fd\u6700\u9ad8\u6cd5\u9662\u5c31\u8be5\u7c7b\u7ea0\u7eb7\u4f5c\u51fa\u91cd\u8981\u5224\u51b3\uff0c\u4e0d\u4ec5\u76f4\u63a5\u5f71\u54cd\u6570\u767e\u4e07\u6d88\u8d39\u8005\u7684\u7ef4\u6743\u8def\u5f84\uff0c\u4e5f\u4fc3\u4f7f\u76d1\u7ba1\u673a\u6784\u63a8\u52a8\u4e00\u9879\u4ef7\u503c\u9ad8\u8fbe180\u4ebf\u82f1\u9551\u7684\u8d54\u507f\u673a\u5236\u3002<\/p>\n<p>&nbsp;<\/p>\n<p><img fetchpriority=\"high\" decoding=\"async\" class=\"alignnone wp-image-36737 size-full\" src=\"https:\/\/lisaslaw.co.uk\/wp-content\/uploads\/2025\/05\/\u4e3d\u838e\u5546\u4e1a-ver2.png\" alt=\"\" width=\"2560\" height=\"853\" srcset=\"https:\/\/lisaslaw.co.uk\/wp-content\/uploads\/2025\/05\/\u4e3d\u838e\u5546\u4e1a-ver2.png 2560w, https:\/\/lisaslaw.co.uk\/wp-content\/uploads\/2025\/05\/\u4e3d\u838e\u5546\u4e1a-ver2-300x100.png 300w, https:\/\/lisaslaw.co.uk\/wp-content\/uploads\/2025\/05\/\u4e3d\u838e\u5546\u4e1a-ver2-1024x341.png 1024w, https:\/\/lisaslaw.co.uk\/wp-content\/uploads\/2025\/05\/\u4e3d\u838e\u5546\u4e1a-ver2-768x256.png 768w, https:\/\/lisaslaw.co.uk\/wp-content\/uploads\/2025\/05\/\u4e3d\u838e\u5546\u4e1a-ver2-1536x512.png 1536w, https:\/\/lisaslaw.co.uk\/wp-content\/uploads\/2025\/05\/\u4e3d\u838e\u5546\u4e1a-ver2-2048x682.png 2048w, https:\/\/lisaslaw.co.uk\/wp-content\/uploads\/2025\/05\/\u4e3d\u838e\u5546\u4e1a-ver2-600x200.png 600w\" sizes=\"(max-width: 2560px) 100vw, 2560px\" \/><\/p>\n<p>&nbsp;<\/p>\n<p><strong>\u6848\u4ef6\u80cc\u666f\uff1a\u4f63\u91d1\u9690\u7792\uff0c\u5229\u76ca\u51b2\u7a81<\/strong><\/p>\n<p>&nbsp;<\/p>\n<p>\u5728\u82f1\u56fd\uff0c\u6c7d\u8f66\u96f6\u552e\u5546\u7684\u5229\u6da6\u6765\u6e90\u4e0d\u4ec5\u4ec5\u6765\u81ea\u6c7d\u8f66\u9500\u552e\u3001\u6c7d\u8f66\u7ef4\u4fee\u7b49\u4e1a\u52a1\uff0c\u4ed6\u4eec\u8fd8\u80fd\u4ece\u91d1\u878d\u4ea7\u54c1\u4e2d\u83b7\u5f97\u201c\u53ef\u89c2\u7684\u5229\u6da6\u201d\u3002<\/p>\n<p>&nbsp;<\/p>\n<p>\u4e00\u822c\u6765\u8bf4\uff0c\u5f53\u6d88\u8d39\u8005\u4f7f\u7528HP\u6216PCP\u7684\u65b9\u5f0f\u6765\u8d2d\u8f66\u65f6\uff0c\u6c7d\u8f66\u96f6\u552e\u5546\u4f1a\u5e2e\u52a9\u6d88\u8d39\u8005\u4e0e\u91d1\u878d\u673a\u6784\uff08\u5982\u94f6\u884c\u6216\u4e13\u4e1a\u878d\u8d44\u516c\u53f8\uff09\u8fbe\u6210\u8d2d\u8f66\u878d\u8d44\u534f\u8bae\u3002\u5728\u6b64\u8fc7\u7a0b\u4e2d\uff0c\u4e00\u4e9b\u91d1\u878d\u673a\u6784\u4f1a\u6839\u636e\u6d88\u8d39\u8005\u6700\u7ec8\u652f\u4ed8\u7684\u5229\u7387\u6c34\u5e73\uff0c\u5411\u6c7d\u8f66\u96f6\u552e\u5546\u652f\u4ed8\u4e00\u5b9a\u6bd4\u4f8b\u7684\u4f63\u91d1\u3002<\/p>\n<p>&nbsp;<\/p>\n<p>\u8fd9\u4e00\u70b9\u5176\u5b9e\u5e76\u4e0d\u5947\u602a\uff0c\u6bd5\u7adf\u82f1\u56fd\u5f88\u591a\u884c\u4e1a\u90fd\u6709\u7c7b\u4f3c\u7684\u4e2d\u4ecb\u673a\u6784\uff0c\u4f8b\u5982\u623f\u4ea7\u8d37\u6b3e\u4e2d\u7684broker\uff1b\u5546\u4e1a\u4fdd\u9669\u4e2d\u4ecb\uff1b\u5bb6\u5ead\u548c\u5546\u4e1a\u673a\u6784\u7684\u6c34\u3001\u7535\u3001\u6c14\u3001\u7f51\u7edc\u7b49\u5408\u7ea6\u7684\u4e2d\u4ecb\u673a\u6784\u3002<\/p>\n<p>&nbsp;<\/p>\n<p>\u4f46\u5728\u6c7d\u8f66\u96f6\u552e\u884c\u4e1a\u4e2d\uff0c\u6700\u5f15\u8d77\u4e89\u8bae\u7684\u662f\u201c\u914c\u60c5\u4f63\u91d1\u5b89\u6392\u201d\uff08Discretionary Commission Arrangements, DCAs\uff09\uff0c\u5373\u6c7d\u8f66\u96f6\u552e\u5546\u6709\u6743\u51b3\u5b9a\u8d37\u6b3e\u5229\u7387\u7684\u9ad8\u4f4e\uff0c\u4ece\u800c\u83b7\u5f97\u66f4\u591a\u4f63\u91d1\u3002<\/p>\n<p>&nbsp;<\/p>\n<p>\u4f8b\u5982\uff0c\u4e00\u5bb6\u91d1\u878d\u673a\u6784\u5141\u8bb8\u6c7d\u8f66\u96f6\u552e\u5546\u5411\u6d88\u8d39\u8005\u6536\u53d67%-11%\u4e4b\u95f4\u7684\u5e74\u5229\u7387\uff0c\u5982\u679c\u6c7d\u8f66\u96f6\u552e\u5546\u9009\u62e9\u5411\u6d88\u8d39\u8005\u6536\u53d611%\uff0c\u90a3\u4e48\u9ad8\u51fa\u7684\u90e8\u5206\u5c06\u8f6c\u6362\u4e3a\u6c7d\u8f66\u96f6\u552e\u5546\u83b7\u5f97\u7684\u4f63\u91d1\u3002<\/p>\n<p>&nbsp;<\/p>\n<p>\u8981\u77e5\u9053\uff0c\u82f1\u56fd\u5f53\u524d\u7684\u57fa\u7840\u5229\u7387\u4e3a4.25%\uff0c\u8fd9\u79cd\u52a8\u8f84\u4e24\u4f4d\u6570\u7684\u5e74\u5229\u7387\u53ef\u662f\u975e\u5e38\u9ad8\u7684\uff0c\u5bf9\u6bd4\u94f6\u884c\u5411\u4e2a\u4eba\u7b7e\u53d1\u7684\u4e2a\u4eba\u501f\u8d37\u800c\u8a00\uff0c\u5728\u5f53\u524d\u7684\u57fa\u7840\u5229\u7387\u6c34\u5e73\u4e0b\uff0c\u4e5f\u57285%-7%\u4e4b\u95f4\u3002<\/p>\n<p>&nbsp;<\/p>\n<p>\u4e5f\u5c31\u662f\u8bf4\uff0c\u6c7d\u8f66\u96f6\u552e\u5546\u6240\u4f7f\u7528\u7684\u8fd9\u79cd\u6fc0\u52b1\u673a\u5236\uff08\u914c\u60c5\u4f63\u91d1\u5b89\u6392\uff09\u76f4\u63a5\u5bfc\u81f4\u90e8\u5206\u6d88\u8d39\u8005\u5728\u6beb\u65e0\u77e5\u60c5\u6743\u7684\u60c5\u51b5\u4e0b\uff0c\u652f\u4ed8\u4e86\u8fdc\u9ad8\u4e8e\u5e02\u573a\u6c34\u5e73\u7684\u5229\u7387\u3002<\/p>\n<p>&nbsp;<\/p>\n<p>\u6b63\u662f\u8fd9\u79cd\u673a\u5236\u88ab\u8ba4\u4e3a\u5b58\u5728\u4e25\u91cd\u7684\u4e0d\u900f\u660e\u95ee\u9898\uff0c\u5e76\u6784\u6210\u6f5c\u5728\u7684\u4e0d\u516c\u5e73\u5173\u7cfb\uff08unfair relationship\uff09\uff0c\u751a\u81f3\u5728\u67d0\u4e9b\u60c5\u51b5\u4e0b\uff0c\u88ab\u8d28\u7591\u4e3a\u201c\u5546\u4e1a\u8d3f\u8d42\u201d\u3002\u8fd9\u4e5f\u5f15\u53d1\u4e86\u6d88\u8d39\u8005\u7684\u4e0d\u6ee1\uff0c\u5411\u6c7d\u8f66\u96f6\u552e\u5546\u53d1\u8d77\u7d22\u8d54\u3002<\/p>\n<p>&nbsp;<\/p>\n<p><strong>\u6700\u9ad8\u6cd5\u9662\u5408\u5e76\u5224\u51b3\uff1a\u4e09\u6848\u5f52\u4e00\uff0c\u90e8\u5206\u80dc\u8bc9<\/strong><\/p>\n<p>&nbsp;<\/p>\n<p>2025\u5e748\u67081\u65e5\uff0c\u82f1\u56fd\u6700\u9ad8\u6cd5\u9662\u53d1\u5e03\u4e86\u5173\u4e8e\u4e09\u5b97\u8f66\u8d37\u4f63\u91d1\u7ea0\u7eb7\u6848\u4ef6\u7684\u5408\u5e76\u5224\u51b3\uff08[2025] UKSC 33\uff09\uff0c\u5176\u4e2d\u6700\u5177\u4ee3\u8868\u6027\u7684\u662f34\u5c81\u6d88\u8d39\u8005Marcus Johnson\u7684\u6848\u4ef6\u3002<\/p>\n<p>&nbsp;<\/p>\n<p>Johnson\u57282017\u5e74\u901a\u8fc7\u6c7d\u8f66\u96f6\u552e\u5546\u8d2d\u5165\u4e00\u8f86\u94c3\u6728Swift\u6c7d\u8f66\uff0c\u4f46\u4ed6\u5e76\u672a\u88ab\u544a\u77e5\u8be5\u6c7d\u8f66\u96f6\u552e\u5546\u4ece\u91d1\u878d\u516c\u53f8\u83b7\u5f97\u9ad8\u989d\u4f63\u91d1\u2014\u2014\u76f8\u5f53\u4e8e\u4fe1\u8d37\u9884\u4ed8\u6b3e\u768425%\u548c\u4fe1\u8d37\u603b\u8d39\u7528\uff08\u5305\u62ec\u5229\u606f\u548c\u8d39\u7528\uff09\u768455%\uff0c\u800c\u8fd9\u4e00\u8d39\u7528\u5df2\u7ecf\u9690\u542b\u5728\u4ed6\u9700\u8981\u507f\u8fd8\u7684\u603b\u989d\u4e2d\u3002\u4ed6\u8868\u793a\uff1a\u201c\u6211\u53ea\u662f\u7b7e\u4e86\u4e00\u4e9b\u6587\u4ef6\uff0c\u7136\u540e\u5c31\u628a\u8f66\u5f00\u8d70\u4e86\u201d\uff0c\u76f4\u5230\u591a\u5e74\u540e\u4ed6\u624d\u77e5\u9053\uff0c\u81ea\u5df1\u88ab\u52a0\u6536\u4e86\u9ad8\u989d\u8d39\u7528\u3002<\/p>\n<p>&nbsp;<\/p>\n<p>\u6848\u4ef6\u4e89\u8bae\u70b9\u5305\u62ec\uff1a<\/p>\n<p>&nbsp;<\/p>\n<p>\u91d1\u878d\u673a\u6784\u662f\u5426\u5e94\u5f53\u5411\u6d88\u8d39\u8005\u62ab\u9732\u5176\u5411\u6c7d\u8f66\u96f6\u552e\u5546\u652f\u4ed8\u7684\u4f63\u91d1\uff1b<\/p>\n<p>&nbsp;<\/p>\n<p>\u6c7d\u8f66\u96f6\u552e\u5546\u662f\u5426\u5728\u6b64\u8fc7\u7a0b\u4e2d\u627f\u62c5\u4e86\u201c\u53d7\u6258\u4eba\u4e49\u52a1\u201d\uff08fiduciary duty\uff09\uff0c\u5373\u662f\u5426\u5fc5\u987b\u4ee5\u6d88\u8d39\u8005\u5229\u76ca\u4e3a\u5148\uff1b<\/p>\n<p>&nbsp;<\/p>\n<p>\u6b64\u7c7b\u4f63\u91d1\u5b89\u6392\u662f\u5426\u6784\u6210\u300a1974\u5e74\u6d88\u8d39\u8005\u4fe1\u8d37\u6cd5\u300b\uff08Consumer Credit Act 1974\uff09\u7b2c140A\u6761\u6240\u754c\u5b9a\u7684\u4e0d\u516c\u5e73\u5173\u7cfb\uff1b<\/p>\n<p>&nbsp;<\/p>\n<p>\u5982\u672a\u62ab\u9732\uff0c\u8be5\u4f63\u91d1\u662f\u5426\u6784\u6210\u201c\u79d8\u5bc6\u4f63\u91d1\u201d\u6216\u201c\u8d3f\u8d42\u201d\u3002<\/p>\n<p>&nbsp;<\/p>\n<p>\u6700\u9ad8\u6cd5\u9662\u5728\u88c1\u5224\u4e2d\u9a73\u56de\u4e86\u5176\u4e2d\u4e24\u6848\uff0c\u88c1\u5b9a\u91d1\u878d\u673a\u6784\u4e0e\u6c7d\u8f66\u96f6\u552e\u5546\u4e4b\u95f4\u7684\u4f63\u91d1\u5b89\u6392\u5e76\u4e0d\u81ea\u52a8\u6784\u6210\u5bf9\u6d88\u8d39\u8005\u7684\u4e0d\u516c\u5e73\u6216\u8fdd\u6cd5\u884c\u4e3a\u3002\u6cd5\u9662\u8ba4\u4e3a\uff0c\u5927\u591a\u6570\u60c5\u51b5\u4e0b\u6c7d\u8f66\u96f6\u552e\u5546\u5e76\u4e0d\u6784\u6210\u6d88\u8d39\u8005\u7684\u201c\u53d7\u6258\u4eba\u201d\uff0c\u4e5f\u4e0d\u5b58\u5728\u201c\u79d8\u5bc6\u4ea4\u6613\u201d\u6216\u201c\u884c\u8d3f\u201d\u60c5\u5f62\u3002<\/p>\n<p>&nbsp;<\/p>\n<p>\u7136\u800c\uff0c\u5728Marcus 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src=\"\/wp-content\/uploads\/2025\/01\/Lisaslaw003-Banner.png\" alt=\"\" width=\"2050\" height=\"780\" data-id=\"7109\" 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decoding=\"async\" class=\"aligncenter size-full wp-image-7272\" src=\"\/wp-content\/uploads\/2025\/01\/Copy-of-Yellow-Color-Block-Brand-_-Business-Birthday-Promo-Facebook-Cover-2.png\" alt=\"\" width=\"2050\" height=\"780\" data-id=\"7272\" 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align=\"justify\">\u4e3d\u838e\u5f8b\u5e08\u884c\u8054\u7edc\u90ae\u7bb1\uff1ainfo@lisaslaw.co.uk<\/p>\n<p style=\"text-align: center;\" align=\"justify\">\u8054\u7edc\u7535\u8bdd\uff1a020 7928 0276<\/p>\n<p style=\"text-align: center;\" align=\"justify\">\u8054\u7edc\u5fae\u4fe1\u53f7\uff1alisaslaw007<\/p>\n<p style=\"text-align: center;\" align=\"justify\"><b>\u626b\u4e00\u626b\uff0c\u300a\u4e3d\u838e\u77e5\u9053\u300b\u5fae\u4fe1\u516c\u4f17\u53f7\uff1a<\/b><\/p>\n<p align=\"justify\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-2188\" src=\"\/wp-content\/uploads\/2025\/01\/qrcode-UK-LISA.jpg\" alt=\"\" width=\"430\" height=\"430\" data-id=\"2188\" \/><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u5728\u82f1\u56fd\uff0c\u4e70\u8f66\u548c\u7528\u8f66\u7684\u65b9\u5f0f\u4e0e\u4e2d\u56fd\u4e0d\u592a\u4e00\u6837\u3002 &nbsp; 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