這是一篇遲來的文章，年初回台灣，大概是去年11月底開始安排。此次回台灣有著許多任務，當中最重要的一項失敗了，儘管消極了一段時間，一方面也感到慶幸，原來還有讓我如此在乎的事情，久違的情感，內心五味雜陳。然而，我沒有過多時間緬懷過去，還有許多計劃待實現。我將頭髮剪掉，捐給癌扶會，是一年半前開始留長髮時就決定好的，帶父母來歐洲，則是長久以來的夢想，如今的我終於有能力實現，我們的終極目的地是瑞士，會是一項艱鉅的挑戰。同一時間，我開始了馬爾他的融入課程，為明年永居做準備，花了一週時間自駕帶父母到花東走走，晚上寫文章之外，凌晨還要繼續上課到凌晨2點半。說不累是騙人的，但如同上一篇所述，當前的我正在跟時間賽跑，有許多想要完成的事情。事實上，我做過許多看似不相關的事情，都是朝著同一個目標前進，當中不少已籌備數年之久，獨自默默耕耘著。同一時間，與台灣的老朋友進行會面，多數為臨時邀約，卻仍然很給面子，真的令我很感動。對於台灣這塊土地，有著複雜的情感，太多的回憶，有開心的、有難過的，都非常深刻。我喜歡這塊土地上的人、事、物，卻偶爾也會因長期離開這片土地而面臨自我認同的問題。有意思的是，朋友帶我到夜市買雞排，我覺得超級好吃，朋友卻覺得很普通，可見我有多想念台灣的食物。是的，我不能肯定未來會發生什麼，然而道路依舊明確，我相信自己能夠克服。

先前提過，我是一個很少過節日的人，當中卻仍有於我而言別具意義的日子，那便是生日。其實還有一個，便是新年。倒也不是為了什麼儀式感，只是恰逢年末的生日適合審視自己，而新年則適合立定年度計畫。雖說按表操課不是本人的風格，尤其生活實在有太多突發狀況。但我認為新年期許這件事，賦予了生活「意義」。因此從2022年成立部落格開始延續至今。開始之前，先簡單回顧從生日至今這消失的一個月吧。其實從生日過後，我便有意抽離社交一段時間。IG、FB、Whatsapp、Line，除非緊急，多數訊息是這幾天才回覆，在此先致歉。那這一個月的我都在做什麼?「打遊戲」。沒錯，整個十二月的主題就是打遊戲，連跨年也是叫了桶肯德基喝著快樂肥宅水，配101煙火打遊戲度過。2024於我而言絕對是別具意義的一年，經歷許多的同時也略感疲憊。於是乎在期待已久的【流亡暗道2】開放遊玩之後，整個十二月我都在家上班，連走路五分鐘的通勤時間都省下來打遊戲，畢竟連世界首富可都在飛機上玩這款遊戲。我也確實放縱了一回，或許稍晚在巴哈發表遊戲心得攻略後，可能，差不多該收心了?隨後新年的第一天，決定將家裡打掃一番，也因此這篇文遲了一、兩天。一直以來，我將自己的三十歲設為死線，這邊的死線某種意義上來說並非形容詞，而是程度上抱著自己的生命在三十終結的態度在過日子，除了對自己的三十歲有所期待，在我的人生規劃中也屬於一個分水嶺。有許多想達成的成就，我都期許能夠在三十歲完成。首當其衝的，便是帶父母來體驗歐洲生活。這一直都在我的人生計畫之內，去年也曾提及，然而前年的我遠端參加了奶奶的喪禮、今年又遇到外婆過世，讓我深有感觸。不瞞地說，我父母的年紀比多數同儕的父母年長許多，有些事，錯過就錯過了。因此我已經買好了這個月的機票，將從一萬公里之外，搭超過20小時的飛機回台接父母過來。這會是我整個上半年的重點項目。當中還有一條主線，便是我的機車駕照，幾個月前我申請了Cate A，也就是俗稱的重機駕照，而且我報名的還是擋車而不是自動。然而再經歷幾堂課之後，教練語重心長的建議我改報名A1，而當下我也欣然接受。起初其實有點意外自己輕易的就接受這件事，事後我卻對這樣的自己感到自豪。現在的我雖說少了年輕時的鋒芒，取而代之的是面對世俗凡事的處變不驚。我知道自己的能耐，也學會放下與妥協。若是硬著頭皮堅持拿到了擋車駕照，除了可能要花上幾千歐元，上幾十堂課以外，我每一次更是要來回通勤三小時，只為了那一小時的駕訓班，時間對我來說才是最致命的。馬爾他駕照真的不好考，教練抓超細，交通文化還都跟台灣有所出入。況且同事給我的機車其實也是擋車外型的電動車，只要有A1駕照就能騎了。當初會報名Cate A，也就是沒騎過擋車想嘗鮮，至少，我試過了。期許今年的自己有車可以騎。下半年，沒意外我會開始準備馬爾他永居的事項，不知不覺地明年就要滿五年了。對我來說當中最有挑戰性的是馬爾他語檢定，去年我已經報名政府課程了，但將近一年我還在排隊。馬爾他小是小，但每年的移民人數真的很多，因此房地產也是起飛。不過世事難料，我也不排除任何機緣將我引領他處，甚至回台灣發展，就是走一步算一步了。文章則持續更新，今年是絕對會將菠菜系列完結的，原因在於還有其他系列在排隊。包括先前提過關於我父母的故事，也是這次歐洲行的附帶行程之一，想想這算是另類的重金採訪吧。我是真的很想跟大家分享，或許這則故事，各位能夠從中獲得我所認為這世間逐漸缺失的某種重要事物。同時，我在歐洲公司入職也快三年，同公司經歷了區塊鏈這三年的風風雨雨，面臨的各種挑戰及摩擦。相信都會是不錯的故事，應該吧?啊如果行有餘力的話，我可能會更新部落格v3支持多語言。以上是目前能夠想到的主線任務，但依照過往經驗及本人的尿性，肯定會有數不勝數的支線任務在等待著我。而如今的我有絕對信心，面對將至的各種挑戰。大聲的說出，「放馬過來。」----------------------------------------------ENG:Earlier, I mentioned that I’m not someone who celebrates many holidays.However, there are two days that hold special meaning for me: my birthday and the New Year.It’s not about rituals but rather their timing. My year-end birthday is a good opportunity to reflect on myself, while the New Year is perfect for setting annual goals.Although strictly following a schedule isn’t my style—especially with so many unexpected events in life—I believe New Year’s resolutions give life a sense of “purpose.” This tradition has continued since I started my blog in 2022.Before diving into plans, let me briefly recap the month since my birthday. Afterward, I intentionally took a break from social interactions. I delayed replying to messages on Instagram, Facebook, WhatsApp, and Line unless urgent. Apologies for any inconvenience.So, what did I do this past month?"Gaming."That’s right—December’s theme was gaming. Even New Year’s Eve was spent gaming with a bucket of KFC and a soda in hand, watching the Taipei 101 fireworks.2024 was a meaningful yet exhausting year for me. When Path of Exile 2 launched, I indulged in gaming throughout December, even saving the five-minute commute from home office to play. If the world’s richest man can game on a plane, why not me? Perhaps I’ll snap out of it after sharing my game insights on Bahamut later.On New Year’s Day, I decided to clean my home, which delayed this post by a day or two.A Milestone Year: Facing ThirtyFor years, I’ve set my thirties as a deadline. Not just metaphorically—it’s almost like living with the idea of my life ending at thirty. I’ve always held great expectations for this age, seeing it as a watershed moment in my plans.Goal #1: Bringing My Parents to Experience European LifeThis has always been part of my life plan. Last year, I mentioned it briefly, but recent events—attending my grandmother’s funeral remotely and losing my maternal grandmother this year—deeply moved me.To be candid, my parents are older than most of my peers’ parents. Some things, if missed, cannot be recovered.So, I’ve already purchased tickets for this month. I’ll be flying over 20 hours and 10,000 kilometers to Taiwan to bring them here. This will be the highlight of my first half of the year.Goal #2: Obtaining My Motorcycle LicenseA few months ago, I applied for a Category A motorcycle license (for large motorcycles). Interestingly, I signed up for manual, not automatic.After a few lessons, my coach suggested I switch to A1 (a smaller license category), and I readily agreed. Initially, I was surprised by how easily I accepted it, but in hindsight, I feel proud of my adaptability.I may no longer have the sharpness of youth, but I’ve gained composure in handling worldly matters. I know my limits and have learned to compromise.Getting a manual license would’ve required thousands of euros, dozens of lessons, and three-hour commutes for a single one-hour class—time being my most precious resource. Malta’s driving tests are notoriously strict, and its traffic culture differs greatly from Taiwan’s.Besides, my colleague’s motorcycle—though manual in appearance—is an electric bike. An A1 license suffices.At least I tried.I hope to be riding a bike by the end of this year.Goal #3: Preparing for Maltese Permanent ResidencyBarring surprises, I’ll begin preparations for Maltese permanent residency in the latter half of the year. Next year will mark five years since I arrived here.The biggest challenge? The Maltese language exam. Although I registered for government classes last year, I’m still on the waiting list due to Malta’s growing influx of immigrants.Malta is small but sees significant immigration, driving up real estate prices. However, life is unpredictable; I remain open to opportunities, whether they lead me elsewhere or even back to Taiwan.Goal #4: Completing the Spinach Blog SeriesThis year, I’m determined to finish my spinach-themed blog series, as other projects are already in the pipeline.These include stories about my parents, tied to their upcoming European trip—a kind of “luxury interview.” It’s something I truly want to share, as I believe it reflects a value increasingly lost in today’s world.Additionally, this marks nearly three years at my European company, weathering blockchain industry ups and downs, challenges, and friction. These experiences should make for compelling stories—or so I hope.If I have the capacity, I might even update my blog to support multiple languages (version 3).These are the main goals I can think of for now. Based on past experience, many side quests will undoubtedly arise.Still, I have full confidence in facing whatever challenges lie ahead.Boldly, I declare:"Bring it on."

明明今年的我時刻與文字為伍，然到此時，仍顯得有些不知從何處開始著墨。這一年，發生了許多許多......仔細一想，二十八剛好是成年以來的十週年，就當作進入三十大關之前的期中考吧。先從簡單地複盤今年的各項成就指標開始好了，今年嘗試了不少新活動如: 騎馬、打靶、瑜珈、游泳、跳水、獨木舟、開始用限動(老人?)去過的地方: 西班牙塞維利亞、德國法蘭克福、柏林、斯圖加特、慕尼黑、奧地利維也納、捷克布拉格、斯洛伐克布拉提斯拉伐、瑞士蘇黎世、因特拉肯、西西里拉古薩新身分: 公司最潮票選第二名、換日線專欄作者、仇女參與過的挑戰(搞事): 一個月穿搭不重複挑戰、60天體態挑戰、料理挑戰事業: 年度考績再次爆表感情: 0上一次生日提到了，關於情感上的自我察覺，到今年似乎更加顯著，對於諸多事情已毫無波瀾。一覺醒來見到投資帳面少了幾十萬無動於衷，面對任何離別只覺得就這樣吧，無數個獨自的夜裡，我甚至已不再做夢。同事兩年沒見過我生氣、上次傷心也彷彿許久以前，平時的笑容，也分不清是否發自內心。可以隨時十秒落淚的我，感覺已近乎完全掌控了情緒。雖然偶爾覺得自己的情緒穩定，在發展任何關係上似乎不具優勢，但至少目前的日子還算自在，畢竟已感受不到任何負面情緒。就連被指稱為仇女時，與其說有情緒，或許更多的是無奈吧。自己鮮少談感情的事，至今確實母胎單身，我爸甚至還懷疑過我是同性戀。但其實有過一些曖昧對象，只是結果都......一言難盡。一些經典的例子，比如發現曖昧對象其實已經有男友，而自己只是被玩玩罷了。同一時間，無故斷聯的前曖昧對象打電話來找我說聊聊，結果哭訴被新的網戀對象劈腿，還稱對方是自己的「初戀」，從沒對任何男人如此動情過。在此之前的我則像個小丑一樣，以為自己才是那個「初戀」。一路走來，一些女孩擅自闖進了我的生命，我則淪為「廁紙」般，最終什麼都不是。儘管如此，自己仍時刻提醒女孩子預防渣男，偶爾傾聽女孩們對於生活上的各種紛擾。對於沒有感覺的對象會直接跟對方劃清界線，因為覺得女孩子的時間寶貴不能耽誤人家。偶爾跟我爸調侃他的專一基因在現代很不吃香，導致我只要有曖昧對象就容易錯失很多機會。甚至曾經許過的生日願望是希望自己成為渣男。然而，曾經的我，去美容系選修頭皮養護，為得是希望有朝一日能幫心儀的她分擔三千煩惱絲。平時的我，對於飲食沒有多大慾望，仍盼能一睹未來的那位因自己的料理而幸福的笑容。現在的我，規劃未來、專注事業、充實自我，也都是希望未來自己不要成為那個豬隊友。一直以來感情沒有及格過的我，或許不再過度期待，但仍保有憧憬。說完自己的弱項，該來到吹噓的部分了。去年轉正的時機剛好遇到年度考核，當時考核爆表所以試用期過後職階升遷，今年考績又爆表，在現有職階又再度觸頂，所以明年升遷可以期待。但老實說若能選的話，我倒是希望能只調薪不升遷，畢竟升遷事情會變多。其實有時懷疑自己感情的運氣都跑到事業上，連續兩次入職參與的專案最終以裁撤收場，但自己總會先被挖腳而倖免於難，成為「少數遺孤」。雖然當下可能會有愧疚感，覺得沒有跟團隊共進退，但現在也已經習慣了，可能經歷過太多離別，也意識到自己能力有限。自己一人在國外無依無靠，想當初加入馬爾他台灣人社團是預防萬一，結果不只從沒發問過，反倒每篇文章都能見到我留言解答，幫助過人數不下數十位。至於成為換日線專欄作者這件事，其實起初只是把投稿當人生志願的一環，重在參與，沒有想過成真這件事。為此我特地寫了一篇投稿，結果總編最後看上的反而是部落格裡的早期文章，只能說整件事都很出乎意料。經營了兩年的部落格也終於在這時有了用武之地。對了，文章系列進度目前已經超過三萬字，當中兩萬是這兩個月產出的，大概就是每日固定寫一篇500字作文的概念，是希望能在今年完結，但懷疑目前可能連一半都還不到，估計最後完成會是一本長篇小說的文本量，可能是在換日線當小說寫的第一人。總體而言，今年也是個忙碌且充實的一年，在時間洪流推波助瀾之下，自己只能不斷向前，「從前種種，譬如昨日死。從後種種，譬如今日生。」就以這句，來為二十八歲的自己，畫下句點吧。Twenty-Eight: Like the Past Dying YesterdayThis year, I’ve spent so much time with words, yet even now, I find it difficult to know where to start writing. This year has been filled with so much... On closer reflection, twenty-eight marks the tenth anniversary of adulthood, perhaps a midterm exam before turning thirty.Let’s begin with a simple review of this year’s accomplishments:New activities tried: horseback riding, shooting, yoga, swimming, diving, canoeing, and even started using Instagram Stories (Am I getting old?).Places visited: Seville in Spain; Frankfurt, Berlin, Stuttgart, and Munich in Germany; Vienna in Austria; Prague in the Czech Republic; Bratislava in Slovakia; Zurich and Interlaken in Switzerland; Ragusa in Sicily.New identities: Voted second trendiest in the company, columnist for Crossing, and a “misogynist.” XDChallenges taken: Outfit challenge (not repeating outfits for a month), 60-day fitness challenge, cooking challenge.Career: Performance review rated as topRelationships: Still zero.Last year, I mentioned increased self-awareness in relationships, and this year it seems even more pronounced. I feel indifferent about many things. Waking up to see tens of thousands gone from my investment account? No reaction. Facing any goodbyes? Just a sense of "oh well." During countless solitary nights, I don’t even dream anymore. Colleagues haven’t seen me angry in two years, and the last time I felt truly sad seems like ages ago. Even my usual smile feels hard to distinguish from genuine emotion. I can shed tears in ten seconds if needed, yet I feel I’ve nearly mastered my emotions. Though I sometimes think this emotional stability isn’t advantageous in relationships, at least my days feel peaceful. After all, I no longer feel any negative emotions.When labeled a “misogynist,” I didn’t feel angry, just resigned. I rarely talk about my love life. I’ve been single since birth, and my father once even wondered if I was gay. In reality, I’ve had ambiguous relationships, but... the outcomes are too complex to explain.Classic examples? Discovering that someone I liked already had a boyfriend and was just toying with me. Or when a former crush, who ghosted me, called to lament being cheated on by a new online boyfriend. She tearfully called him her “first love,” saying she had never been so deeply in love with a man before. Meanwhile, I had thought I was that “first love.” Over time, some girls have entered my life uninvited, and I’ve ended up as nothing more than disposable “toilet paper.”Despite this, I still advise girls to beware of players and listen to their troubles. If I feel nothing for someone, I make it clear because I believe girls' time is too valuable to waste. Sometimes I joke with my father that his “faithful genes” are a disadvantage today, causing me to miss many opportunities. I even once wished to become a player.Yet, the old me chose scalp care classes in cosmetology, hoping to one day help the girl I liked with her hair worries. I don’t have much passion for food, yet I dream of seeing her smile because of my cooking. Today, I plan for the future, focus on my career, and improve myself—hoping not to be a burden to a future partner. Though I’ve never succeeded in relationships, I still hold some hope.Now, for the boasting part. Last year, I was promoted right after my performance review. This year, my performance was stellar again, maxing out my current level, so the next year could be expected. Honestly, I’d prefer a raise without the added responsibilities. Sometimes I wonder if my luck in relationships transferred to my career. Twice, projects I joined were shut down, but I was spared both times, becoming a “sole survivor.” I’ve grown used to it, realizing my abilities are limited. Alone abroad, I joined the Maltese-Taiwanese community as a safety net but never needed to ask for help. Instead, I’ve helped dozens through comments and advice.Becoming a Crossing columnist was unexpected. Initially, submitting articles was just a personal goal. Surprisingly, the editor chose an old blog post instead of my submission. Now, my two-year-old blog has found purpose. The article series has exceeded 30,000 words, with 20,000 written in the past two months—like writing a 500-word essay daily. I hoped to finish it this year, but I suspect it’s only halfway done. It might end up as long as a novel, possibly the first one on Crossing.Overall, this year has been busy and fulfilling. Time keeps pushing me forward."As the past dies like yesterday, the future is born today."With this, I mark the end of twenty-eight.

「29歲鋼琴家墜樓亡，疑似房貸信貸壓力走上絕路。」「罕見！央行主動證實已找34家銀行喝咖啡，促房市降溫。」「銀行限貸風暴來襲！解約恐賠 15% 違約金，購屋族陷焦慮。」「三部會喊話 沒要銀行設【房貸限貸令】，台股盤末回升。」近期生活挺充實，上週除了公司業務外，同時要備課、上駕訓班、以及專欄投稿的事情。基本沒有什麼閒暇的時間，儘管如此，前些天的台灣新聞仍舊抓住我的目光。畢竟經濟一直是本人很感興趣的議題，而被譽為【台灣經濟火車頭】的房地產市場，自然也在守備範圍內了。去年底至今年初，本人花了兩個月的時間徹底研究過馬爾他的房地場市場，接洽數十位房仲，實地走訪十來間成屋及預售屋，並與當地知名銀行如: HSBC、APS、MeDirect、BOV諮詢過房貸。今天想藉機會，來填一個年初就挖了的坑——馬爾他房市，並同時比較與當前台灣房市的差異。首先簡單聊聊上面提及的新聞，老樣子，中天中時與三民自完全是截然不同的景象。尤其鋼琴家房貸的新聞三民自完全沒有報導。看台灣新聞需要做事實查核真的是件挺辛苦的事情，總之在野媒體肯定會報【不利於執政黨的】，反之則會噤聲。這部分每個人心中都有一把尺，就不贅述。至於【新青安】究竟有沒有問題? 以我的觀點，肯定有問題。但老實說，已經是相害取其輕的選擇。若看過年初三位候選人的房市政見，會發現其實大同小異，都表明【減輕年輕人置產壓力】，於是祭出各種補貼呀、減免、寬限期......等。但就自由經濟市場而言，肯定離不開【供給需求】。三位候選人的政策明顯可以看出其實都是在【擴大需求】，當需求大於供給，結果不言而喻。貸款40年?免頭期款?前三年免利息?不管哪一個都是建商笑呵呵，因為他們只管有人買房就好。進入正題，關於馬爾他房地產依序有以下階段:1.找房看房，並依照置產身分以及地點於後續有不同的程序，要注意仲介費是賣方支付，通常為5%，所以找仲介看的房子通常會比直接聯絡屋主還貴，因為價格已包含。因此可嘗試在心儀區域晃一晃，有些屋主會在窗外掛售屋布條並留下連絡電話，挺常見的。以當時來看Gzira 1房約在21~30萬歐元，二房約在24~32萬，Penthouse大陽台房型特貴。2.找銀行試算貸款額度 - 通常首購額度約70~80%，第二筆開始50%下探。2023年12月基準利率為2.25%，四家銀行分別報給我2.85、2.95、及3%的方案，有不同的本金提前償還年限，固定利率年限，而最高都是30年。以當時整體歐洲來說是最低水位，而貸款手續及銀行會派建築專家現場估價，大約抓個300~350歐。順代一提馬爾他本地人都用APS，而外國人有當地工作及當地銀行帳戶比較能通過。3.接洽公證人(Notary) - 通常為2%費用浮動，馬爾他有4種土地產權，依產權有不同收費。分別為Perpetual, Temporary，搭配non Revisable, Revisable，的4種組合，Perpetual系列較為單純收費比較低，Temporary較為複雜，公證人要花比較多心力收集資料收費較高。最省心力一律無腦選擇Perpetual non Revisable，後續比較不會有產權問題。4.拿銀行試算文件與賣家簽約並支付訂金及公證費 - 10%+2%放在公證人那邊5-1. 若為馬爾他公民或永居身分者，地點於本島買方需繳5%印花稅(Stamp Duty)，Gozo為2%，賣方依照不同身分及持有年限有不同的Property Transfer Tax (PTT)，若持有五年內出售為5%，其餘8%5-2.若非馬爾他公民或永居身分者，且置產非位於SDAs(Special Designated Areas)，需向政府申請AIP(Acquisition of Immovable Property)文件，費用約233歐，才有資格置產。使用AIP身分所購置之房產【無法出租】且儘管【事後獲得永居身分】仍受限制，因為AIP綁定的是房產而非人，且AIP僅能申請1筆。5-3.若非馬爾他公民或永居身分者，但置產於SDAs(Special Designated Areas)，無需AIP，無任何交易限制，因為這區域就是給外國人炒房的，通常都是高級公寓區域，給高級投資移民者使用，價位最少都在百萬歐元起跳。6.若購買為成屋可能還要找建築師或水電工來檢查施工是否符合設計圖施工，不確定價格但抓個200~300歐，而預售屋請在這階段與建商確定好需求，如廚房在哪、管線怎麼拉、冷氣裝哪、使用瓦斯爐還是電磁爐......等。否則鄰近交屋時會非常悲劇。7.銀行貸款通常會在3~6個月下來，此時會有兩種結過【通過】、【不通過】，若不同過，依照法律公證人需交還10%保證金給買家，若通過，則買家補足首付尾款，而尾款又依照不同的種類有不同的支付方式，分為毛胚屋(Shell Form)、半成屋(Semi-Finished)、成屋(Finished)。台灣不少建商在交屋時都會付基本家具如廚房、臥室、浴室、客廳等，講究行李箱入住，這種在這邊稱為(Furnished)，這邊通常僅在二手屋才能見到。毛胚屋就是連管線都還沒有拉、牆壁磁磚還沒有鋪，如字面意思就是只有殼而已，滿足重度硬核DIY玩家。半成屋多了牆壁磁磚管線，成屋則又分為是否含門及浴室，也可跟建商談要完成到什麼程度，毛胚>半成可加價約2萬歐，半成>成屋可加價約5千，則尾款便會根據完成階段進行支付，總體而言，【這邊的成屋仍是家徒四壁的空屋】。8.若買新成屋後續仍要抓半年時間裝潢才能入住，廚房、臥室、客廳、家電.......等有些還要進口。且注意歐洲師傅人工費用比台灣高很多，如廚房價格請依台灣兩倍計算。後續的都很基本，若住普通公寓管理費一般不超過100歐。最後檢驗，如果要買一間開價24萬的【新成屋】，大概要抓多少預算呢?以自備2成來算:24萬*(0.2+0.02+0.05)+雜費1000+裝潢2萬5，約準備9萬1歐現金其實可以看出馬爾他對於房地產的規範算是嚴謹的，在銀行貸款試算階段就被嚴格把關，就算之後貸款失敗，買家仍能拿回保證金這一點與台灣不同，算是相當不錯的一點。仲介費則見仁見智，台灣是雙方負擔，馬爾他這邊全額賣方支付導致談判時有賣方主導傾向。置產是不少人的夢想，然世界很大，若能放下執著，其實也有不少選擇。