借20萬，撥款到帳後，要收取5000的辦理哦！
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這則訊息中需要特別留意的地方是「要收取5000的辦理哦！」。閱聽人需要注意這個訊息是否涉及高利貸或其他不當貸款行為，因為收取5000元的辦理費用可能意味著借款條件不透明或不合理。閱聽人應該謹慎對待這樣的借款訊息，避免陷入可能的財務困境。
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