{"id":1020536,"date":"2026-09-22T10:14:27","date_gmt":"2026-09-22T02:14:27","guid":{"rendered":"https:\/\/www.house730.com\/news\/?p=1020536"},"modified":"2026-09-23T09:36:11","modified_gmt":"2026-09-23T01:36:11","slug":"%e5%ae%9a%e6%81%af%e6%8c%89%e6%8f%ad%e5%a5%bd%e5%94%94%e5%a5%bd","status":"publish","type":"post","link":"https:\/\/www.house730.com\/news\/1020536\/%e5%ae%9a%e6%81%af%e6%8c%89%e6%8f%ad%e5%a5%bd%e5%94%94%e5%a5%bd\/","title":{"rendered":"\u3010\u9999\u6e2f\u6309\u63ed\u6bd4\u8f032026\u3011\u5b9a\u606f\u6309\u63ed\u597d\u5514\u597d\uff1f\u540cH\u6309 \/ P\u6309\u908a\u500b\u6173\u606f\u5572\uff1f\u4e00\u6587\u7747\u6e05\u5229\u5f0a\u3001\u4f9b\u6a13\u6210\u672c\u8207\u9069\u7528\u4eba\u7fa4"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"1020536\" class=\"elementor elementor-1020536\">\n\t\t\t\t<div class=\"elementor-element elementor-element-91027a2 e-flex e-con-boxed e-con e-parent\" data-id=\"91027a2\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-409f872 elementor-widget elementor-widget-image\" data-id=\"409f872\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1200\" height=\"675\" src=\"https:\/\/faq.house730.com\/subfaq\/post\/2026\/09\/20260922100430700.jpg\" class=\"attachment-large size-large wp-image-1020539\" alt=\"\u3010\u9999\u6e2f\u6309\u63ed\u6bd4\u8f032026\u3011\u5b9a\u606f\u6309\u63ed\u597d\u5514\u597d\uff1f\u540cH\u6309 \/ P\u6309\u908a\u500b\u6173\u606f\u5572\uff1f\u4e00\u6587\u7747\u6e05\u5229\u5f0a\u3001\u4f9b\u6a13\u6210\u672c\u8207\u9069\u7528\u4eba\u7fa4 | House730\" srcset=\"https:\/\/faq.house730.com\/subfaq\/post\/2026\/09\/20260922100430700.jpg 1200w, https:\/\/faq.house730.com\/subfaq\/post\/2026\/09\/20260922100430700-640x360.jpg 640w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b5cf06c e-flex e-con-boxed e-con e-parent\" data-id=\"b5cf06c\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3c8499b elementor-widget elementor-widget-text-editor\" data-id=\"3c8499b\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p data-path-to-node=\"1\"><b data-path-to-node=\"1\" data-index-in-node=\"0\">\u91cd\u9ede\u6458\u8981\uff1a\u5b9a\u606f\u6309\u63ed vs \u6d6e\u606f\u6309\u63ed<\/b><\/p><ul data-path-to-node=\"2\"><li><p data-path-to-node=\"2,0,0\"><b data-path-to-node=\"2,0,0\" data-index-in-node=\"0\">\u5b9a\u606f\u6309\u63ed\u512a\u52e2\uff1a<\/b> \u65bc\u6307\u5b9a\u5e74\u671f\uff08\u59823\u81f310\u5e74\uff09\u5167\u9396\u5b9a\u4f9b\u6b3e\u5229\u7387\uff0c\u7121\u61fc\u5e02\u5834\u52a0\u606f\uff0c\u9069\u5408\u9810\u7b97\u7dca\u6e4a\u53ca\u8ffd\u6c42\u8ca1\u653f\u7a69\u5b9a\u7684\u8cb7\u5bb6\u3002<\/p><\/li><li><p data-path-to-node=\"2,1,0\"><b data-path-to-node=\"2,1,0\" data-index-in-node=\"0\">\u6d6e\u606f\u6309\u63ed\uff08H\u6309 \/ P\u6309\uff09\u6a5f\u5236\uff1a<\/b> \u5229\u7387\u96a8\u5e02\u5834\u6ce2\u52d5\u3002H\u6309\u8207\u9280\u884c\u540c\u696d\u62c6\u606f\u639b\u920e\uff08\u8a2d\u6709\u5c01\u9802\u606f\u7387\u4fdd\u969c\uff09\uff1bP\u6309\u8207\u6700\u512a\u60e0\u5229\u7387\u639b\u920e\uff0c\u6ce2\u52d5\u76f8\u5c0d\u6eab\u548c\u3002<\/p><\/li><li><p data-path-to-node=\"2,2,0\"><b data-path-to-node=\"2,2,0\" data-index-in-node=\"0\">\u9078\u64c7\u95dc\u9375\uff1a<\/b> \u61c9\u6839\u64da\u500b\u4eba\u5c0d\u672a\u4f86\u606f\u53e3\u8d70\u52e2\u7684\u9810\u671f\u3001\u4f9b\u6a13\u8ca0\u64d4\u80fd\u529b\u4ee5\u53ca\u5c0d\u8ca1\u52d9\u7a69\u5b9a\u6027\u7684\u9700\u6c42\u4f86\u505a\u6c7a\u5b9a\u3002<\/p><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9a99142 e-flex e-con-boxed e-con e-parent\" data-id=\"9a99142\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7056fb1 elementor-widget elementor-widget-text-editor\" data-id=\"7056fb1\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">\u00a0<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_82_2 ez-toc-wrap-left counter-hierarchy ez-toc-counter ez-toc-grey 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:\/\/www.house730.com\/news\/1020536\/%e5%ae%9a%e6%81%af%e6%8c%89%e6%8f%ad%e5%a5%bd%e5%94%94%e5%a5%bd\/#1%E5%88%86%E9%90%98%E6%87%B6%E4%BA%BA%E5%8C%85%EF%BC%9A%E7%94%9A%E9%BA%BC%E6%98%AF%E5%AE%9A%E6%81%AF%E8%88%87%E6%B5%AE%E6%81%AF%E6%8C%89%E6%8F%AD%EF%BC%9F\" >1\u5206\u9418\u61f6\u4eba\u5305\uff1a\u751a\u9ebc\u662f\u5b9a\u606f\u8207\u6d6e\u606f\u6309\u63ed\uff1f<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.house730.com\/news\/1020536\/%e5%ae%9a%e6%81%af%e6%8c%89%e6%8f%ad%e5%a5%bd%e5%94%94%e5%a5%bd\/#%E9%A6%99%E6%B8%AF%E6%8C%89%E6%8F%AD%E6%A9%9F%E5%88%B6%E5%A4%A7%E5%B0%8D%E6%B1%BA%EF%BC%9A%E5%AE%9A%E6%81%AF%E6%8C%89%E6%8F%AD_vs_H%E6%8C%89_vs_P%E6%8C%89\" >\u9999\u6e2f\u6309\u63ed\u6a5f\u5236\u5927\u5c0d\u6c7a\uff1a\u5b9a\u606f\u6309\u63ed vs H\u6309 vs P\u6309<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.house730.com\/news\/1020536\/%e5%ae%9a%e6%81%af%e6%8c%89%e6%8f%ad%e5%a5%bd%e5%94%94%e5%a5%bd\/#%E7%82%BA%E4%BB%80%E9%BA%BC%E8%A6%81%E6%8F%80%E5%AE%9A%E6%81%AF%E6%8C%89%E6%8F%AD%EF%BC%9F%E6%8B%86%E8%A7%A3_3_%E5%A4%A7%E9%95%B7%E9%9D%92%E5%84%AA%E5%8B%A2\" >\u70ba\u4ec0\u9ebc\u8981\u63c0\u5b9a\u606f\u6309\u63ed\uff1f\u62c6\u89e3 3 \u5927\u9577\u9752\u512a\u52e2<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.house730.com\/news\/1020536\/%e5%ae%9a%e6%81%af%e6%8c%89%e6%8f%ad%e5%a5%bd%e5%94%94%e5%a5%bd\/#1_%E5%AE%8C%E5%85%A8%E9%8E%96%E5%AE%9A%E4%BE%9B%E6%A8%93%E9%96%8B%E6%94%AF%EF%BC%8C%E8%B2%A1%E6%94%BF%E9%A0%90%E7%AE%97%E6%9C%80%E5%AE%89%E5%BF%83\" >1. \u5b8c\u5168\u9396\u5b9a\u4f9b\u6a13\u958b\u652f\uff0c\u8ca1\u653f\u9810\u7b97\u6700\u5b89\u5fc3<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.house730.com\/news\/1020536\/%e5%ae%9a%e6%81%af%e6%8c%89%e6%8f%ad%e5%a5%bd%e5%94%94%e5%a5%bd\/#2_%E7%84%A1%E6%87%BC%E9%A6%99%E6%B8%AF%E5%8A%A0%E6%81%AF%E5%91%A8%E6%9C%9F\" >2. \u7121\u61fc\u9999\u6e2f\u52a0\u606f\u5468\u671f<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.house730.com\/news\/1020536\/%e5%ae%9a%e6%81%af%e6%8c%89%e6%8f%ad%e5%a5%bd%e5%94%94%e5%a5%bd\/#3_%E5%BF%83%E7%90%86%E5%A3%93%E5%8A%9B%E5%A4%A7%E6%B8%9B\" >3. \u5fc3\u7406\u58d3\u529b\u5927\u6e1b<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.house730.com\/news\/1020536\/%e5%ae%9a%e6%81%af%e6%8c%89%e6%8f%ad%e5%a5%bd%e5%94%94%e5%a5%bd\/#%E7%94%B3%E8%AB%8B%E5%AE%9A%E6%81%AF%E6%8C%89%E6%8F%AD%E5%89%8D%EF%BC%8C%E5%BF%85%E9%A0%88%E6%B3%A8%E6%84%8F%E7%9A%84_3_%E5%80%8B%E9%9A%B1%E8%97%8F%E6%88%90%E6%9C%AC%E8%88%87%E9%99%90%E5%88%B6\" >\u7533\u8acb\u5b9a\u606f\u6309\u63ed\u524d\uff0c\u5fc5\u9808\u6ce8\u610f\u7684 3 \u500b\u96b1\u85cf\u6210\u672c\u8207\u9650\u5236<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.house730.com\/news\/1020536\/%e5%ae%9a%e6%81%af%e6%8c%89%e6%8f%ad%e5%a5%bd%e5%94%94%e5%a5%bd\/#%E5%AE%9A%E6%81%AF%E6%8C%89%E6%8F%AD%E9%81%A9%E5%90%88%E4%BD%A0%E5%97%8E%EF%BC%9F%E9%80%99%E4%B8%89%E9%A1%9E%E8%B2%B7%E5%AE%B6%E6%9C%80%E5%BB%BA%E8%AD%B0%E8%80%83%E6%85%AE\" >\u5b9a\u606f\u6309\u63ed\u9069\u5408\u4f60\u55ce\uff1f\u9019\u4e09\u985e\u8cb7\u5bb6\u6700\u5efa\u8b70\u8003\u616e<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.house730.com\/news\/1020536\/%e5%ae%9a%e6%81%af%e6%8c%89%e6%8f%ad%e5%a5%bd%e5%94%94%e5%a5%bd\/#%E9%A6%99%E6%B8%AF%E5%AE%9A%E6%81%AF%E6%8C%89%E6%8F%AD%E5%B8%B8%E8%A6%8B%E5%95%8F%E9%A1%8C\" >\u9999\u6e2f\u5b9a\u606f\u6309\u63ed\u5e38\u898b\u554f\u984c<\/a><\/li><\/ul><\/nav><\/div>\n<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-136c127 e-flex e-con-boxed e-con e-parent\" data-id=\"136c127\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f62d593 elementor-widget elementor-widget-text-editor\" data-id=\"f62d593\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">\u8cb7\u6a13\u662f\u4eba\u751f\u5927\u4e8b\uff0c\u800c\u606f\u53e3\u8d70\u52e2\u76f4\u63a5\u5f71\u97ff\u6bcf\u6708\u7684\u4f9b\u6a13\u958b\u652f\u3002\u5728\u9999\u6e2f\u7269\u696d\u5e02\u5834\uff0c\u6309\u63ed\u4e3b\u8981\u5206\u70ba\u300c\u5b9a\u606f\u6309\u63ed\u300d\u8207\u300c\u6d6e\u606f\u6309\u63ed\u300d\uff08H\u6309\u53caP\u6309\uff09\u5169\u5927\u985e\u3002\u5982\u679c\u4f60\u8ffd\u6c42\u8ca1\u653f\u7a69\u5b9a\u3001\u4e0d\u60f3\u56e0\u70ba\u74b0\u7403\u606f\u53e3\u6ce2\u52d5\u800c\u5927\u5931\u9810\u7b97\uff0c\u300c\u5b9a\u606f\u6309\u63ed\u300d\u662f\u4e00\u500b\u503c\u5f97\u6df1\u5165\u4e86\u89e3\u7684\u9078\u9805\u3002\u672c\u6587\u5c07\u5e36\u4f60\u4e00\u6587\u770b\u6e05\u5b9a\u606f\u6309\u63ed\u7684\u904b\u4f5c\u6a5f\u5236\u3001\u8207\u6d6e\u606f\u6309\u63ed\u7684\u8a73\u7d30\u6bd4\u8f03\uff0c\u4ee5\u53ca\u4f60\u662f\u5426\u9069\u5408\u9078\u7528\u9019\u985e\u8a08\u5283\u3002<\/span><\/p><h2><span class=\"ez-toc-section\" id=\"1%E5%88%86%E9%90%98%E6%87%B6%E4%BA%BA%E5%8C%85%EF%BC%9A%E7%94%9A%E9%BA%BC%E6%98%AF%E5%AE%9A%E6%81%AF%E8%88%87%E6%B5%AE%E6%81%AF%E6%8C%89%E6%8F%AD%EF%BC%9F\"><\/span><b>1\u5206\u9418\u61f6\u4eba\u5305\uff1a\u751a\u9ebc\u662f\u5b9a\u606f\u8207\u6d6e\u606f\u6309\u63ed\uff1f<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u5b9a\u606f\u6309\u63ed\uff08Fixed-rate Mortgage\uff09\uff1a \u6307\u5728\u6309\u63ed\u5408\u7d04\u6307\u5b9a\u7684\u5e74\u671f\u5167\uff08\u4f8b\u5982\u99963\u5e74\u30015\u5e74\u621610\u5e74\uff09\uff0c\u7121\u8ad6\u5e02\u5834\u5229\u606f\u5982\u4f55\u4e0a\u5347\u6216\u4e0b\u8dcc\uff0c<strong><span style=\"color: #000000;\">\u4f9b\u6b3e\u5229\u7387\u90fd\u7dad\u6301\u5728\u56fa\u5b9a\u6c34\u5e73<\/span><\/strong>\u3002\u9019\u80fd\u8b93\u8cb7\u5bb6\u9396\u5b9a\u4f9b\u6a13\u958b\u652f\uff0c\u6709\u6548\u5c0d\u6c96\u52a0\u606f\u98a8\u96aa\u3002<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u6d6e\u606f\u6309\u63ed\uff08H\u6309 \/ P\u6309\uff09\uff1a \u5229\u7387\u6703\u96a8\u5e02\u5834\u6ce2\u52d5\u3002H\u6309\uff08HIBOR\uff09\u8207\u9280\u884c\u540c\u696d\u62c6\u606f\u639b\u920e\uff0c\u901a\u5e38\u8a2d\u6709\u300c\u5c01\u9802\u606f\u7387\u300d\u4fdd\u969c\u501f\u6b3e\u4eba\uff1bP\u6309\uff08Prime Rate\uff09\u5247\u8207\u9280\u884c\u7684\u6700\u512a\u60e0\u5229\u7387\u639b\u920e\uff0c\u6ce2\u52d5\u76f8\u5c0d\u8f03\u5c0f\uff0c\u4f46\u5169\u8005\u7686\u6703\u96a8\u5927\u74b0\u5883\u7684\u52a0\u6e1b\u606f\u5468\u671f\u800c\u6539\u8b8a\u6bcf\u6708\u4f9b\u6b3e\u984d\u3002<\/span><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a1c501f e-flex e-con-boxed e-con e-parent\" data-id=\"a1c501f\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c7ad126 elementor-widget elementor-widget-text-editor\" data-id=\"c7ad126\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2><span class=\"ez-toc-section\" id=\"%E9%A6%99%E6%B8%AF%E6%8C%89%E6%8F%AD%E6%A9%9F%E5%88%B6%E5%A4%A7%E5%B0%8D%E6%B1%BA%EF%BC%9A%E5%AE%9A%E6%81%AF%E6%8C%89%E6%8F%AD_vs_H%E6%8C%89_vs_P%E6%8C%89\"><\/span><b>\u9999\u6e2f\u6309\u63ed\u6a5f\u5236\u5927\u5c0d\u6c7a\uff1a\u5b9a\u606f\u6309\u63ed vs H\u6309 vs P\u6309<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2><table dir=\"ltr\" border=\"1\" cellspacing=\"0\" cellpadding=\"0\" data-sheets-root=\"1\" data-sheets-baot=\"1\"><colgroup> <col width=\"100\" \/> <col width=\"100\" \/> <col width=\"100\" \/> <col width=\"100\" \/> <col width=\"100\" \/><\/colgroup><tbody><tr><td><strong><span style=\"color: #000000;\">\u6309\u63ed\u985e\u578b<\/span><\/strong><\/td><td><strong><span style=\"color: #000000;\">\u5229\u7387\u8a08\u7b97\u6a5f\u5236<\/span><\/strong><\/td><td><strong><span style=\"color: #000000;\">\u9069\u5408\u54ea\u7a2e\u606f\u53e3\u74b0\u5883\uff1f<\/span><\/strong><\/td><td><strong><span style=\"color: #000000;\">\u6838\u5fc3\u512a\u9ede<\/span><\/strong><\/td><td><strong><span style=\"color: #000000;\">\u6838\u5fc3\u7f3a\u9ede<\/span><\/strong><\/td><\/tr><tr><td>\u5b9a\u606f\u6309\u63ed<\/td><td>\u6307\u5b9a\u5e74\u671f\u5167\u5229\u7387\u9396\u5b9a\u4e0d\u8b8a<\/td><td>\u9810\u671f\u5e02\u5834\u9032\u5165\u52a0\u606f\u5468\u671f<\/td><td>\u4f9b\u6b3e\u6975\u5ea6\u7a69\u5b9a\uff0c\u65b9\u4fbf\u9810\u7b97\uff0c\u7121\u61fc\u606f\u53e3\u6025\u5347<\/td><td>\u6e1b\u606f\u6642\u7121\u6cd5\u53d7\u60e0\uff1b\u5e02\u5834\u9078\u64c7\u8f03\u5c11\uff1b\u7f70\u606f\u671f\u8f03\u56b4\u683c<\/td><\/tr><tr><td>H\u6309 (HIBOR)<\/td><td>\u96a8\u9280\u884c\u540c\u696d\u62c6\u606f\u6ce2\u52d5<\/td><td>\u5e02\u5834\u606f\u53e3\u4f4e\u8ff7\u6216\u4e0b\u8dcc\u6642<\/td><td>\u606f\u53e3\u4f4e\u8ff7\u6642\uff0c\u4f9b\u6b3e\u6210\u672c\u70ba\u4e09\u8005\u4e2d\u6700\u4f4e<\/td><td>\u6ce2\u52d5\u6975\u5927\uff0c\u6bcf\u6708\u4f9b\u6b3e\u984d\u4e0d\u7a69\u5b9a\uff08\u9700\u4f9d\u8cf4\u5c01\u9802\u606f\uff09<\/td><\/tr><tr><td>P\u6309 (Prime)<\/td><td>\u96a8\u6700\u512a\u60e0\u5229\u7387\u6ce2\u52d5<\/td><td>\u5e02\u5834\u606f\u53e3\u76f8\u5c0d\u5e73\u7a69\u6642<\/td><td>\u5229\u7387\u6ce2\u52d5\u8f03H\u6309\u5e73\u7a69\uff0c\u9069\u5408\u975e\u4f4f\u5b85\u7269\u696d<\/td><td>\u96e3\u4ee5\u4eab\u53d7\u62c6\u606f\u6025\u8dcc\u6642\u7684\u7d05\u5229<\/td><\/tr><\/tbody><\/table>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c4bc7e9 e-flex e-con-boxed e-con e-parent\" data-id=\"c4bc7e9\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-bdcf216 elementor-widget elementor-widget-text-editor\" data-id=\"bdcf216\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2><span class=\"ez-toc-section\" id=\"%E7%82%BA%E4%BB%80%E9%BA%BC%E8%A6%81%E6%8F%80%E5%AE%9A%E6%81%AF%E6%8C%89%E6%8F%AD%EF%BC%9F%E6%8B%86%E8%A7%A3_3_%E5%A4%A7%E9%95%B7%E9%9D%92%E5%84%AA%E5%8B%A2\"><\/span><b>\u70ba\u4ec0\u9ebc\u8981\u63c0\u5b9a\u606f\u6309\u63ed\uff1f\u62c6\u89e3 3 \u5927\u9577\u9752\u512a\u52e2<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2><h3><span class=\"ez-toc-section\" id=\"1_%E5%AE%8C%E5%85%A8%E9%8E%96%E5%AE%9A%E4%BE%9B%E6%A8%93%E9%96%8B%E6%94%AF%EF%BC%8C%E8%B2%A1%E6%94%BF%E9%A0%90%E7%AE%97%E6%9C%80%E5%AE%89%E5%BF%83\"><\/span><b>1. \u5b8c\u5168\u9396\u5b9a\u4f9b\u6a13\u958b\u652f\uff0c\u8ca1\u653f\u9810\u7b97\u6700\u5b89\u5fc3<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3><p><span style=\"font-weight: 400;\">\u5b9a\u606f\u6309\u63ed\u6700\u5927\u7684\u8ce3\u9ede\u5728\u65bc\u300c\u7a69\u5b9a\u6027\u300d\u3002\u5728\u5b9a\u606f\u671f\u5167\uff0c\u6bcf\u6708\u7684\u4f9b\u6b3e\u984d\u4e00\u6210\u4e0d\u8b8a\u3002\u9019\u610f\u5473\u8457\u5bb6\u5ead\u8ca1\u653f\u9810\u7b97\u4e0d\u6703\u56e0\u70ba\u74b0\u7403\u8ca1\u7d93\u653f\u5c40\u3001\u7f8e\u570b\u806f\u5132\u5c40\u7684\u6c7a\u7b56\u800c\u88ab\u6253\u4e82\uff0c\u7279\u5225\u9069\u5408\u9700\u8981\u7cbe\u6e96\u63a7\u5236\u6bcf\u6708\u73fe\u91d1\u6d41\u7684\u5bb6\u5ead\u3002<\/span><\/p><h3><span class=\"ez-toc-section\" id=\"2_%E7%84%A1%E6%87%BC%E9%A6%99%E6%B8%AF%E5%8A%A0%E6%81%AF%E5%91%A8%E6%9C%9F\"><\/span><b>2. \u7121\u61fc\u9999\u6e2f\u52a0\u606f\u5468\u671f<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3><p><span style=\"font-weight: 400;\">\u7576\u9999\u6e2f\u9280\u884c\u8ddf\u96a8\u7f8e\u570b\u9032\u5165\u52a0\u606f\u5468\u671f\u6642\uff0c\u6d6e\u606f\u6309\u63ed\uff08H\u6309\/P\u6309\uff09\u7684\u696d\u4e3b\u5f80\u5f80\u8981\u9762\u81e8\u300c\u4f9b\u591a\u5e7e\u5343\u300d\u7684\u6c89\u91cd\u58d3\u529b\u3002\u5b9a\u606f\u6309\u63ed\u7528\u6236\u5728\u6b64\u6642\u5247\u53ef\u7368\u5584\u5176\u8eab\uff0c\u7336\u5982\u8cb7\u4e86\u4e00\u4efd\u300c\u4f9b\u6a13\u4fdd\u96aa\u300d\uff0c\u514d\u53d7\u4f9b\u6b3e\u66b4\u589e\u7684\u98a8\u96aa\u3002<\/span><\/p><h3><span class=\"ez-toc-section\" id=\"3_%E5%BF%83%E7%90%86%E5%A3%93%E5%8A%9B%E5%A4%A7%E6%B8%9B\"><\/span><b>3. \u5fc3\u7406\u58d3\u529b\u5927\u6e1b<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3><p><span style=\"font-weight: 400;\">\u8cb7\u6a13\u65b0\u624b\u6216\u5e73\u65e5\u5de5\u4f5c\u7e41\u5fd9\u7684\u696d\u4e3b\uff0c\u6bcb\u9808\u6bcf\u65e5\u7dca\u8cbc HIBOR \u8d70\u52e2\u6216\u64d4\u5fc3\u6bcf\u500b\u6708\u9280\u884c\u5bc4\u4f86\u7684\u4f9b\u6b3e\u55ae\u6703\u5426\u98c6\u5347\uff0c\u771f\u6b63\u505a\u5230\u5b89\u6795\u7121\u6182\u3002<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-417547c e-flex e-con-boxed e-con e-parent\" data-id=\"417547c\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4e20848 elementor-widget elementor-widget-text-editor\" data-id=\"4e20848\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2><span class=\"ez-toc-section\" id=\"%E7%94%B3%E8%AB%8B%E5%AE%9A%E6%81%AF%E6%8C%89%E6%8F%AD%E5%89%8D%EF%BC%8C%E5%BF%85%E9%A0%88%E6%B3%A8%E6%84%8F%E7%9A%84_3_%E5%80%8B%E9%9A%B1%E8%97%8F%E6%88%90%E6%9C%AC%E8%88%87%E9%99%90%E5%88%B6\"><\/span><b>\u7533\u8acb\u5b9a\u606f\u6309\u63ed\u524d\uff0c\u5fc5\u9808\u6ce8\u610f\u7684 3 \u500b\u96b1\u85cf\u6210\u672c\u8207\u9650\u5236<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2><p><b>\u96d6\u7136\u5b9a\u606f\u6309\u63ed\u80fd\u5e36\u4f86\u5b89\u5168\u611f\uff0c\u4f46\u5728\u6c7a\u5b9a\u7533\u8acb\u524d\uff0c\u5fc5\u9808\u8861\u91cf\u4ee5\u4e0b\u4e09\u5927\u9650\u5236\uff1a<\/b><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong><span style=\"color: #000000;\">\u6a5f\u6703\u6210\u672c\uff08\u932f\u5931\u6e1b\u606f\u7d05\u5229\uff09<\/span><\/strong>\uff1a \u9019\u662f\u5b9a\u606f\u6309\u63ed\u6700\u5927\u7684\u96d9\u9762\u5203\u3002\u82e5\u5e02\u5834\u7a81\u7136\u5927\u5e45<strong><span style=\"color: #000000;\">\u6e1b\u606f<\/span><\/strong>\uff0c<strong><span style=\"color: #000000;\">H\u6309\u7528\u6236\u7684\u4f9b\u6b3e\u6703\u5373\u6642\u6e1b\u5c11<\/span><\/strong>\uff0c\u4f46\u5b9a\u606f\u7528\u6236\u4ecd\u5fc5\u9808\u652f\u4ed8\u5408\u7d04\u7576\u521d\u9396\u5b9a\u7684\u8f03\u9ad8\u5229\u7387\uff0c\u8b8a\u76f8\u300c\u4f9b\u8cb4\u6a13\u300d\u3002<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong><span style=\"color: #000000;\">\u56b4\u683c\u7684\u7f70\u606f\u671f\u8207\u8f49\u6309\u9650\u5236<\/span><\/strong>\uff1a \u5b9a\u606f\u8a08\u5283\u7684\u300c\u7f70\u606f\u671f\uff08Penalty Period\uff09\u300d\u689d\u6b3e\u901a\u5e38\u6bd4\u4e00\u822c\u6d6e\u606f\u6309\u63ed\u56b4\u683c\u3002\u82e5\u696d\u4e3b\u6253\u7b97\u5728\u5b9a\u606f\u671f\u5167\u63d0\u65e9\u8d16\u6a13\u3001\u8ce3\u6a13\u6216\u8f49\u6309\uff0c\u5f80\u5f80\u9700\u8981\u652f\u4ed8<strong><span style=\"color: #000000;\">\u8f03\u9ad8\u6602\u7684\u624b\u7e8c\u8cbb\u6216\u7f70\u606f<\/span><\/strong>\u3002<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong><span style=\"color: #000000;\">\u8a08\u5283\u7684\u6642\u6548\u6027\u8207\u9078\u64c7\u8f03\u5c11<\/span><\/strong>\uff1a \u9999\u6e2f\u5e02\u5834\u4e0a\u63d0\u4f9b\u9577\u5e74\u671f\u5b9a\u606f\u7684\u9280\u884c\u8a08\u5283\uff08\u5982\u9999\u6e2f\u6309\u63ed\u8b49\u5238\u516c\u53f8 HKMC \u63a8\u51fa\u7684 10\u5e74\/15\u5e74\/20\u5e74\u5b9a\u606f\u8a08\u5283\uff09\u6703\u56e0\u61c9\u5e02\u5834\u74b0\u5883\u5b9a\u671f\u8abf\u6574\uff0c\u4e26\u975e\u96a8\u6642\u90fd\u6709\u6700\u512a\u60e0\u7684\u9078\u64c7\uff0c\u5be9\u6279\u689d\u4ef6\u6709\u6642\u4ea6\u6703\u8f03\u70ba\u7279\u5b9a\u3002<\/span><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-560df83 e-flex e-con-boxed e-con e-parent\" data-id=\"560df83\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9d4474f elementor-widget elementor-widget-text-editor\" data-id=\"9d4474f\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>\u5ef6\u4f38\u95b1\u8b80\uff1a<\/strong><a href=\"https:\/\/www.house730.com\/news\/1019283\/h%e6%8c%89-p%e6%8c%89\/\" target=\"_blank\" rel=\"noopener\">\u3010H\u6309 vs P\u6309\u653b\u7565\u3011\u8cb7\u6a13\u7528H\u6309\u3001P\u6309\u6216\u5b9a\u606f\u6309\u63ed\uff1f\u6709\u4ec0\u9ebc\u65b9\u6cd5\u6173\u606f\uff1f\u7747\u57cb\u52a0\u606f\u6e1b\u606f\u5f71\u97ff<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ef525ca e-flex e-con-boxed e-con e-parent\" data-id=\"ef525ca\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-607453d elementor-widget elementor-widget-text-editor\" data-id=\"607453d\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2><span class=\"ez-toc-section\" id=\"%E5%AE%9A%E6%81%AF%E6%8C%89%E6%8F%AD%E9%81%A9%E5%90%88%E4%BD%A0%E5%97%8E%EF%BC%9F%E9%80%99%E4%B8%89%E9%A1%9E%E8%B2%B7%E5%AE%B6%E6%9C%80%E5%BB%BA%E8%AD%B0%E8%80%83%E6%85%AE\"><\/span><b>\u5b9a\u606f\u6309\u63ed\u9069\u5408\u4f60\u55ce\uff1f\u9019\u4e09\u985e\u8cb7\u5bb6\u6700\u5efa\u8b70\u8003\u616e<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2><p><span style=\"font-weight: 400;\">\u6309\u63ed\u9078\u64c7\u6c92\u6709\u7d55\u5c0d\u7684\u597d\u8207\u58de\uff0c\u53ea\u6709\u662f\u5426\u9069\u5408\u4f60\u7684\u8ca1\u52d9\u72c0\u6cc1\u3002\u4ee5\u4e0b\u4e09\u985e\u4eba\u7fa4\u6700\u9069\u5408\u63a1\u7528\u5b9a\u606f\u6309\u63ed\uff1a<\/span><\/p><ol><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong><span style=\"color: #000000;\">\u9810\u7b97\u7dca\u7e43\u7684\u9996\u6b21\u7f6e\u696d\u4eba\u58eb<\/span><\/strong>\uff1a \u5982\u679c\u9996\u671f\u525b\u597d\u8db3\u5920\uff0c\u6bcf\u6708\u4f9b\u6b3e\u80fd\u529b\u5df2\u63a5\u8fd1\u9632\u5b88\u6975\u9650\uff08\u4f8b\u5982\u4f9b\u6b3e\u4f54\u5165\u606f\u6bd4\u7387\u6975\u9ad8\uff09\uff0c\u7121\u6cd5\u627f\u53d7\u4efb\u4f55\u52a0\u606f\u5e36\u4f86\u7684\u984d\u5916\u8ca0\u64d4\uff0c\u5b9a\u606f\u80fd\u9632\u6b62\u65b7\u4f9b\u98a8\u96aa\u3002<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong><span style=\"color: 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