{ "set": "road", "contract_version": 1, "content_hash": "a5ff10b259c80a80993feedb611e49d52695b7b18c392843f5f192e87efa5de4", "generated_at": "2026-09-25T15:46:04Z", "locale": "zh-Hans", "locales": [ "zh-Hans", "en" ], "sources": [ "resources/js/utils/academy/learningStudios.js", "resources/js/utils/road/stages.js", "resources/js/utils/road/content/next.js", "resources/js/Pages/Main/Portal/Lms/Partials/Road/RoadOverview.vue" ], "markup": "markdown-bold", "web_path": "/property/academy?tab=road", "cover_image": "/main/images/road/foundation.jpg", "minutes": 142, "stations": [ { "key": "mindset", "letter": "起", "n": 1, "name": "Mindset", "learning_lab": { "title": "房子同时有三本账", "idea": "价格、债务和每月现金分开看；升值不能代替月底付款。", "kind": "equity", "image": "/main/images/road/concept-measure.webp", "imageAlt": "PropertyLab 品牌蓝色建筑教学插画，非实际项目照片", "steps": [ "房价：资产估值", "贷款：未还债务", "现金：真实进出" ], "question": "房价涨了 RM50,000，本月现金一定变多吗？", "options": [ "一定", "不一定，升值还未兑现", "只要永久地契就会" ], "correct": 1, "why": "未出售的涨价不等于现金到账。要看当月租金、付款和费用。", "action": "把一笔首期、一笔租金和一次涨价分别归到三本账。" }, "chinese": "心态 · 为什么走这条路", "question": "为什么要走这条路？", "gets": "一句承诺：先算，再看房", "learns": "先理解为什么买房，再开始用数字与证据做判断。", "minutes": 15, "image": "/main/images/road/foundation.jpg", "tool": { "label": "Learning Hub", "href": "/property/academy?tab=road", "hint": "回到 DMAIC 之路的章节列表：从头走，或挑一格" }, "terminal": false, "web_path": "/property/academy/road/mindset" }, { "key": "define", "letter": "D", "n": 2, "name": "Define", "learning_lab": { "title": "够借，不代表够买", "idea": "首期、费用和家庭储备全部要有来源；Ryan 目前的钱不足以直接买下示例单位。", "kind": "budget", "image": "/main/images/road/concept-define.webp", "imageAlt": "PropertyLab 品牌蓝色建筑教学插画，非实际项目照片", "steps": [ "可借额：情境估算", "买入现金：逐项预算", "不足：先调整计划" ], "question": "右边预算显示现金不足，合理下一步是？", "options": [ "假设发展商全部送", "延后、降低预算或补足可验证资金", "忽略家庭储备" ], "correct": 1, "why": "贷款通过也不能填平个人现金缺口。先调整计划，不把未确定回扣当作已有现金。", "action": "记录真实报价和储备目标，重新算自己的现金上限。" }, "chinese": "定目标 · 定能力", "question": "我要什么？我扛得起吗？", "gets": "D 卡：银行肯借你多少、目标几间", "learns": "把目标写成数字与年份，厘清收入、负担与可动用的资金。", "minutes": 35, "image": "/main/images/road/define.jpg", "tool": { "label": "Wealth Planning", "href": "/wealth-planning", "hint": "把这张卡带进 Wealth Planning：目标、DSR、要买几间、哪一年" }, "terminal": false, "web_path": "/property/academy/road/define" }, { "key": "measure", "letter": "M", "n": 3, "name": "Measure", "learning_lab": { "title": "用同一笔预算比较类型", "idea": "新项目可能分期付款，二手可能更快收租；没有一条路线自动零现金。", "kind": "budget", "image": "/main/images/road/concept-measure.webp", "imageAlt": "PropertyLab 品牌蓝色建筑教学插画，非实际项目照片", "steps": [ "同一资金起点", "逐项比较入场成本", "比较等待与租金" ], "question": "90% 贷款加5%回扣，是否自动不用出首期？", "options": [ "是，两个优惠叠加", "否，还要核对缺口、到账时间和费用", "只看广告净价" ], "correct": 1, "why": "即使回扣足额兑现，名义10%首期与5%回扣仍有差额；估价与放款可能另有条件。", "action": "向发展商取得书面付款表，与银行估价一起核对。" }, "chinese": "量类型", "question": "那要买什么样的资产？", "gets": "M 卡：类型、路线、价位", "learns": "明确房产类型、买入路线、价位区间，以及未来租给谁。", "minutes": 12, "image": "/main/images/road/measure.jpg", "tool": { "label": "Wealth Planning", "href": "/wealth-planning", "hint": "Step 3：把类型、路线、价位区间排进你的计划" }, "terminal": false, "web_path": "/property/academy/road/measure" }, { "key": "analyze", "letter": "A", "n": 4, "name": "Analyze", "learning_lab": { "title": "需求要有人、时间和证据", "idea": "已营业、在建、已宣布应分开；未来容量不是今天的租客人数。", "kind": "evidence", "image": "/main/images/road/concept-analyze.webp", "imageAlt": "PropertyLab 品牌蓝色建筑教学插画，非实际项目照片", "steps": [ "谁会来住", "什么时候来到", "拿什么证实" ], "question": "大学宣布未来可容纳22,500人，今天能把这些人全算成租客吗？", "options": [ "能，已宣布就是需求", "不能，要核对启用、分期与住宿选择", "只打九折就能" ], "correct": 1, "why": "容量不是实际招生，也不是外租人数。还要考虑时间、校舍、宿舍、预算和交通。", "action": "为每个需求理由标注状态、日期、来源和仍未知的部分。" }, "chinese": "选地段", "question": "这种资产，买在哪一区？", "gets": "A 卡：两个候选区", "learns": "检查地区的需求与新增供应，给候选地段写下可核实的依据。", "minutes": 15, "image": "/main/images/road/analyze.jpg", "tool": { "label": "Area Guide", "href": "/property/academy?tab=area-guide", "hint": "按区打开 Area Guide 看需求节点与新供应管道（每个候选区一个链接；还没进 Area Guide 的区打开它所在的地区）" }, "terminal": false, "web_path": "/property/academy/road/analyze" }, { "key": "improve", "letter": "I", "n": 5, "name": "Improve", "learning_lab": { "title": "先通过初筛，再做压力测试", "idea": "7%毛租金回报和正筛选结余只是本方法的门槛，不是收益保证。", "kind": "cash", "image": "/main/images/road/concept-improve.webp", "imageAlt": "PropertyLab 品牌蓝色建筑教学插画，非实际项目照片", "steps": [ "固定同一个单位", "核对全部输入", "降低租金再测试" ], "question": "降低租金后结余转负，说明什么？", "options": [ "投资一定失败", "要准备承担缺口，或调整价格和计划", "改用较高租盘即可" ], "correct": 1, "why": "压力测试让你看到承受范围。接受、重新谈价、换单位或不买都可以是合理决策。", "action": "把租金降低10%，记录需要补款的金额和你能承担多久。" }, "chinese": "选项目", "question": "哪个项目、哪个单位？", "gets": "I 卡：过了四道筛的一个单位", "learns": "比较具体项目的价格、租金与现金流，解释为什么保留或排除。", "minutes": 20, "image": "/main/images/road/improve.jpg", "tool": { "label": "Analyze Property", "href": "/analyze-property/new-projects", "hint": "在新项目列表里找 Asking PSF、Median PSF 和租金估算，回填这张卡" }, "terminal": false, "web_path": "/property/academy/road/improve" }, { "key": "control", "letter": "C", "n": 6, "name": "Control", "learning_lab": { "title": "交楼那三个月，谁来付", "idea": "Ryan 零租金时扣掉生活费，每月缺 RM1,542；装修费用还要另留。", "kind": "timeline", "image": "/main/images/road/concept-control.webp", "imageAlt": "PropertyLab 品牌蓝色建筑教学插画，非实际项目照片", "steps": [ "确认交付和文件", "预留装修及空置", "记录实际租金和支出" ], "question": "银行模型DSR过线，但交楼后三个月家庭现金不足，该怎么办？", "options": [ "过线就不用管", "先补足现金计划或延后购买", "把装修费加进租金预测" ], "correct": 1, "why": "银行偿债比率与家庭现金是不同检查。三个月基本缺口 RM4,626，还没包括装修、维修等。", "action": "逐月排出交楼前后六个月的家庭现金。" }, "chinese": "执行 · 养房 · 再来一轮", "question": "怎么买、怎么熬、怎么守？", "gets": "C 卡：买房九步 + 三个日期", "learns": "从签约、建筑期到交楼出租，逐段安排要做的事与需要的现金。", "minutes": 20, "image": "/main/images/road/control.jpg", "tool": { "label": "Landlord Management", "href": "/property/landlord-management", "hint": "交楼之后：装修 · 租客 · 管理 · 税务" }, "terminal": false, "web_path": "/property/academy/road/control" }, { "key": "takeoff", "letter": "T", "n": 7, "name": "Takeoff", "learning_lab": { "title": "收入增加之前，先保住储备", "idea": "副业收入是待验证的净收入情境；补助不是个人生活资金，也不能预先保证获批。", "kind": "allocation", "image": "/main/images/road/concept-control.webp", "imageAlt": "PropertyLab 品牌蓝色建筑教学插画，非实际项目照片", "steps": [ "保留家庭安全垫", "验证付费需求", "收入稳定后再评估" ], "question": "完成72小时行动清单，是否已经变成两份稳定收入？", "options": [ "是，行动完成就算", "不是，要有实际客户、净收入与持续记录", "拿到补助就一定算" ], "correct": 1, "why": "清单代表行动，不代表收入已经出现。使用真实收支与持续性来判断。", "action": "先验证一个愿意付费的问题，记录收入减成本后的结果。" }, "chinese": "双引擎 · 第二主动收入", "question": "除了房子，还能靠什么？", "gets": "T 卡：第二收入的候选 + 每月要盖住的开销", "learns": "把正职、第二份主动收入与房产放在一起，想清楚人生转变的顺序。", "minutes": 25, "image": "/main/images/road/takeoff.jpg", "tool": { "label": "Vibe Coding · Grant Application", "href": "/ai/vibe-coding", "hint": "A2 第二主动收入：用 AI 做一个真实用户会用的小工具，用政府 grant 当第二笔 OPM" }, "terminal": false, "web_path": "/property/academy/road/takeoff" }, { "key": "next", "letter": "↻D", "n": 8, "name": "下一轮 · 回到 D", "learning_lab": { "title": "带着实际数字，再走一轮", "idea": "刚出租不等于银行已经认租；先对照实际，再更新下一轮的假设。", "kind": "evidence", "image": "/main/images/road/concept-define.webp", "imageAlt": "PropertyLab 品牌蓝色建筑教学插画，非实际项目照片", "steps": [ "上次预测", "这次实际", "下一轮修改" ], "question": "实际租金低过预测，最有用的下一步是？", "options": [ "给自己判失败", "检查差异原因，更新现金与融资假设", "保留旧数才好看" ], "correct": 1, "why": "区分价格、装修、时段、租客和供应变化。更新模型，才能更准确地做下一轮决定。", "action": "写下一项预测偏差、一个证据和下一次要改的假设。" }, "chinese": "第二轮从哪里开始", "question": "第二轮从哪里开始？", "gets": "回到 D：第二轮的起点数字", "learns": "带着买入后变化的数字，重新评估下一轮的目标与能力。", "minutes": 5, "image": "/main/images/road/next.jpg", "tool": null, "terminal": true, "web_path": "/property/academy/road/next" } ], "intro": [ { "key": "promise", "stage": null, "title": "先算，再看房", "line": "这条路一共 **8 站**，顺序只有一条：先把银行肯借你多少算清楚，再去看房。反过来的人，订金和几个星期都白花 —— 因为看中了才发现借不到。" }, { "key": "mindset", "stage": "mindset", "title": "起 · 为什么走这条路", "line": "第一站讲为什么：财务自由是一个数字，不是一种感觉；打工仔为什么不用辞职也能投资 —— 因为银行肯借钱给有薪水单的人。" }, { "key": "define", "stage": "define", "title": "D · 定目标 · 定能力", "line": "第二站算你自己：年龄、收入、每月要还的债 → 银行今天肯借你多少、要买几间、哪一年到。填完这张卡，你的 **Wealth Plan（财富计划：你的目标和每一间房的时间表）** 会自动建好。" }, { "key": "measure", "stage": "measure", "title": "M · 量类型", "line": "第三站定类型：买什么样的房 —— 我们的默认答案是居住型高楼、**dual-key（一个门牌两个独立单位，可以分开租给两户）**、新项目。每一个选择，那一站都会说清楚理由。" }, { "key": "analyze", "stage": "analyze", "title": "A · 选地段", "line": "第四站选区：买在哪一区 —— 要么已经很成熟，要么正在变成熟（例如 Cochrane–Maluri，旁边就是 **TRX（吉隆坡新的金融区）**）。先数供应，再看需求。" }, { "key": "improve", "stage": "improve", "title": "I · 选项目", "line": "第五站选单位：哪个项目、哪个单位 —— 四道筛都过了才算你的：价格不高于市价、一年租金 ÷ 买价 ≥ **7%**、每月租金盖得过月供、户型是能分租两户的 dual-key。" }, { "key": "control", "stage": "control", "title": "C · 执行 · 养房", "line": "第六站执行：怎么买（九个步骤）、怎么熬过建筑期、怎么守住租金 —— 买对了还要养稳。" }, { "key": "takeoff", "stage": "takeoff", "title": "T · 双引擎", "line": "第七站抬头看：房子只是你的其中一个收入来源。另外两个是薪水，和一份下班后能做起来的第二收入 —— 这一站讲怎么起这第二个，以及为什么辞职是结果，不是起点。" }, { "key": "next", "stage": "next", "title": "下一轮 · 回到 D", "line": "最后一站用你填过的卡算「如果签了会怎样」。买了一间之后，你多了一份月供、也多了一份租金，银行看你的数字全变了 —— 所以回到 D 用新的数字再算一次，而不是从零开始。" } ], "badges": [ { "key": "done", "label": "已完成" }, { "key": "stale", "label": "已过期" }, { "key": "open", "label": "进入这一站" } ], "unlock_labels": { "wp.step.3": "Wealth Planning · Step 3", "area_guide": "Area Guide", "analyze": "Analyze Property", "analyze.projects": "新项目列表", "landlord": "Landlord Management", "next_round": "下一轮 · 回到 D" }, "lock_reason_fallback": "先完成前面的卡", "counts": { "stations": 8, "stages": 7, "intro": 9 } }