{"id":1020544,"date":"2026-09-22T10:14:27","date_gmt":"2026-09-22T02:14:27","guid":{"rendered":"https:\/\/www.house730.com\/news\/1020544\/%e3%80%90%e9%a6%99%e6%b8%af%e6%8c%89%e6%8f%ad%e6%af%94%e8%be%83%e3%80%91%e5%ae%9a%e6%81%af%e6%8c%89%e6%8f%ad-vs-%e6%b5%ae%e6%81%af%e6%8c%89%e6%8f%ad%e7%82%b9%e6%8b%a3%ef%bc%9f%e4%b8%80%e6%96%87\/"},"modified":"2026-09-23T10:10:05","modified_gmt":"2026-09-23T02:10:05","slug":"%e3%80%90%e9%a6%99%e6%b8%af%e6%8c%89%e6%8f%ad%e6%af%94%e8%be%83%e3%80%91%e5%ae%9a%e6%81%af%e6%8c%89%e6%8f%ad-vs-%e6%b5%ae%e6%81%af%e6%8c%89%e6%8f%ad%e7%82%b9%e6%8b%a3%ef%bc%9f%e4%b8%80%e6%96%87","status":"publish","type":"post","link":"https:\/\/www.house730.com\/news\/cn\/1020544\/%e3%80%90%e9%a6%99%e6%b8%af%e6%8c%89%e6%8f%ad%e6%af%94%e8%be%83%e3%80%91%e5%ae%9a%e6%81%af%e6%8c%89%e6%8f%ad-vs-%e6%b5%ae%e6%81%af%e6%8c%89%e6%8f%ad%e7%82%b9%e6%8b%a3%ef%bc%9f%e4%b8%80%e6%96%87\/","title":{"rendered":"\u3010\u9999\u6e2f\u6309\u63ed\u6bd4\u8f832026\u3011\u5b9a\u606f\u6309\u63ed\u597d\u5514\u597d\uff1f\u540cH\u6309 \/ P\u6309\u8fb9\u4e2a\u60ad\u606f\u5572\uff1f\u4e00\u6587\u7747\u6e05\u5229\u5f0a\u3001\u4f9b\u697c\u6210\u672c\u4e0e\u9002\u7528\u4eba\u7fa4"},"content":{"rendered":"<p><img fetchpriority=\"high\" decoding=\"async\" src=\"https:\/\/faq.house730.com\/subfaq\/post\/2026\/09\/20260922100430700.jpg\" sizes=\"(max-width: 1200px) 100vw, 1200px\" srcset=\"https:\/\/faq.house730.com\/subfaq\/post\/2026\/09\/20260922100430700.jpg 1200w, https:\/\/faq.house730.com\/subfaq\/post\/2026\/09\/20260922100430700-640x360.jpg 640w\" alt=\"\" width=\"1200\" height=\"675\" \/><\/p>\n<p data-path-to-node=\"1\"><b data-path-to-node=\"1\" data-index-in-node=\"0\">\u91cd\u70b9\u6458\u8981\uff1a\u5b9a\u606f\u6309\u63ed vs \u6d6e\u606f\u6309\u63ed<\/b><\/p>\n<ul data-path-to-node=\"2\">\n<li>\n<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\u4f18\u52bf\uff1a<\/b> \u65bc\u6307\u5b9a\u5e74\u671f\uff08\u59823\u81f310\u5e74\uff09\u5185\u9501\u5b9a\u4f9b\u6b3e\u5229\u7387\uff0c\u65e0\u60e7\u5e02\u573a\u52a0\u606f\uff0c\u9002\u5408\u9884\u7b97\u7d27\u51d1\u53ca\u8ffd\u6c42\u8d22\u653f\u7a33\u5b9a\u7684\u4e70\u5bb6\u3002<\/p>\n<\/li>\n<li>\n<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\u673a\u5236\uff1a<\/b> \u5229\u7387\u968f\u5e02\u573a\u6ce2\u52a8\u3002H\u6309\u4e0e\u94f6\u884c\u540c\u4e1a\u62c6\u606f\u6302\u920e\uff08\u8bbe\u6709\u5c01\u9876\u606f\u7387\u4fdd\u969c\uff09\uff1bP\u6309\u4e0e\u6700\u4f18\u60e0\u5229\u7387\u6302\u920e\uff0c\u6ce2\u52a8\u76f8\u5bf9\u6e29\u548c\u3002<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"2,2,0\"><b data-path-to-node=\"2,2,0\" data-index-in-node=\"0\">\u9009\u62e9\u5173\u952e\uff1a<\/b> \u5e94\u6839\u636e\u4e2a\u4eba\u5bf9\u672a\u6765\u606f\u53e3\u8d70\u52bf\u7684\u9884\u671f\u3001\u4f9b\u697c\u8d1f\u62c5\u80fd\u529b\u4ee5\u53ca\u5bf9\u8d22\u52a1\u7a33\u5b9a\u6027\u7684\u9700\u6c42\u6765\u505a\u51b3\u5b9a\u3002<\/p>\n<\/li>\n<\/ul>\n<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\/cn\/1020544\/%e3%80%90%e9%a6%99%e6%b8%af%e6%8c%89%e6%8f%ad%e6%af%94%e8%be%83%e3%80%91%e5%ae%9a%e6%81%af%e6%8c%89%e6%8f%ad-vs-%e6%b5%ae%e6%81%af%e6%8c%89%e6%8f%ad%e7%82%b9%e6%8b%a3%ef%bc%9f%e4%b8%80%e6%96%87\/#1%E5%88%86%E9%92%9F%E6%87%92%E4%BA%BA%E5%8C%85%EF%BC%9A%E7%94%9A%E9%BA%BD%E6%98%AF%E5%AE%9A%E6%81%AF%E4%B8%8E%E6%B5%AE%E6%81%AF%E6%8C%89%E6%8F%AD%EF%BC%9F\" >1\u5206\u949f\u61d2\u4eba\u5305\uff1a\u751a\u9ebd\u662f\u5b9a\u606f\u4e0e\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\/cn\/1020544\/%e3%80%90%e9%a6%99%e6%b8%af%e6%8c%89%e6%8f%ad%e6%af%94%e8%be%83%e3%80%91%e5%ae%9a%e6%81%af%e6%8c%89%e6%8f%ad-vs-%e6%b5%ae%e6%81%af%e6%8c%89%e6%8f%ad%e7%82%b9%e6%8b%a3%ef%bc%9f%e4%b8%80%e6%96%87\/#%E9%A6%99%E6%B8%AF%E6%8C%89%E6%8F%AD%E6%9C%BA%E5%88%B6%E5%A4%A7%E5%AF%B9%E5%86%B3%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\u673a\u5236\u5927\u5bf9\u51b3\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\/cn\/1020544\/%e3%80%90%e9%a6%99%e6%b8%af%e6%8c%89%e6%8f%ad%e6%af%94%e8%be%83%e3%80%91%e5%ae%9a%e6%81%af%e6%8c%89%e6%8f%ad-vs-%e6%b5%ae%e6%81%af%e6%8c%89%e6%8f%ad%e7%82%b9%e6%8b%a3%ef%bc%9f%e4%b8%80%e6%96%87\/#%E4%B8%BA%E4%BB%80%E9%BA%BD%E8%A6%81%E6%8B%A3%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%BF%E9%9D%92%E4%BC%98%E5%8A%BF\" >\u4e3a\u4ec0\u9ebd\u8981\u62e3\u5b9a\u606f\u6309\u63ed\uff1f\u62c6\u89e3 3 \u5927\u957f\u9752\u4f18\u52bf<\/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\/cn\/1020544\/%e3%80%90%e9%a6%99%e6%b8%af%e6%8c%89%e6%8f%ad%e6%af%94%e8%be%83%e3%80%91%e5%ae%9a%e6%81%af%e6%8c%89%e6%8f%ad-vs-%e6%b5%ae%e6%81%af%e6%8c%89%e6%8f%ad%e7%82%b9%e6%8b%a3%ef%bc%9f%e4%b8%80%e6%96%87\/#1_%E5%AE%8C%E5%85%A8%E9%94%81%E5%AE%9A%E4%BE%9B%E6%A5%BC%E5%BC%80%E6%94%AF%EF%BC%8C%E8%B4%A2%E6%94%BF%E9%A2%84%E7%AE%97%E6%9C%80%E5%AE%89%E5%BF%83\" >1. \u5b8c\u5168\u9501\u5b9a\u4f9b\u697c\u5f00\u652f\uff0c\u8d22\u653f\u9884\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\/cn\/1020544\/%e3%80%90%e9%a6%99%e6%b8%af%e6%8c%89%e6%8f%ad%e6%af%94%e8%be%83%e3%80%91%e5%ae%9a%e6%81%af%e6%8c%89%e6%8f%ad-vs-%e6%b5%ae%e6%81%af%e6%8c%89%e6%8f%ad%e7%82%b9%e6%8b%a3%ef%bc%9f%e4%b8%80%e6%96%87\/#2_%E6%97%A0%E6%83%A7%E9%A6%99%E6%B8%AF%E5%8A%A0%E6%81%AF%E5%91%A8%E6%9C%9F\" >2. \u65e0\u60e7\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\/cn\/1020544\/%e3%80%90%e9%a6%99%e6%b8%af%e6%8c%89%e6%8f%ad%e6%af%94%e8%be%83%e3%80%91%e5%ae%9a%e6%81%af%e6%8c%89%e6%8f%ad-vs-%e6%b5%ae%e6%81%af%e6%8c%89%e6%8f%ad%e7%82%b9%e6%8b%a3%ef%bc%9f%e4%b8%80%e6%96%87\/#3_%E5%BF%83%E7%90%86%E5%8E%8B%E5%8A%9B%E5%A4%A7%E5%87%8F\" >3. \u5fc3\u7406\u538b\u529b\u5927\u51cf<\/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\/cn\/1020544\/%e3%80%90%e9%a6%99%e6%b8%af%e6%8c%89%e6%8f%ad%e6%af%94%e8%be%83%e3%80%91%e5%ae%9a%e6%81%af%e6%8c%89%e6%8f%ad-vs-%e6%b5%ae%e6%81%af%e6%8c%89%e6%8f%ad%e7%82%b9%e6%8b%a3%ef%bc%9f%e4%b8%80%e6%96%87\/#%E7%94%B3%E8%AF%B7%E5%AE%9A%E6%81%AF%E6%8C%89%E6%8F%AD%E5%89%8D%EF%BC%8C%E5%BF%85%E9%A1%BB%E6%B3%A8%E6%84%8F%E7%9A%84_3_%E4%B8%AA%E9%9A%90%E8%97%8F%E6%88%90%E6%9C%AC%E4%B8%8E%E9%99%90%E5%88%B6\" >\u7533\u8bf7\u5b9a\u606f\u6309\u63ed\u524d\uff0c\u5fc5\u987b\u6ce8\u610f\u7684 3 \u4e2a\u9690\u85cf\u6210\u672c\u4e0e\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\/cn\/1020544\/%e3%80%90%e9%a6%99%e6%b8%af%e6%8c%89%e6%8f%ad%e6%af%94%e8%be%83%e3%80%91%e5%ae%9a%e6%81%af%e6%8c%89%e6%8f%ad-vs-%e6%b5%ae%e6%81%af%e6%8c%89%e6%8f%ad%e7%82%b9%e6%8b%a3%ef%bc%9f%e4%b8%80%e6%96%87\/#%E5%AE%9A%E6%81%AF%E6%8C%89%E6%8F%AD%E9%80%82%E5%90%88%E4%BD%A0%E5%90%97%EF%BC%9F%E8%BF%99%E4%B8%89%E7%B1%BB%E4%B9%B0%E5%AE%B6%E6%9C%80%E5%BB%BA%E8%AE%AE%E8%80%83%E8%99%91\" >\u5b9a\u606f\u6309\u63ed\u9002\u5408\u4f60\u5417\uff1f\u8fd9\u4e09\u7c7b\u4e70\u5bb6\u6700\u5efa\u8bae\u8003\u8651<\/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\/cn\/1020544\/%e3%80%90%e9%a6%99%e6%b8%af%e6%8c%89%e6%8f%ad%e6%af%94%e8%be%83%e3%80%91%e5%ae%9a%e6%81%af%e6%8c%89%e6%8f%ad-vs-%e6%b5%ae%e6%81%af%e6%8c%89%e6%8f%ad%e7%82%b9%e6%8b%a3%ef%bc%9f%e4%b8%80%e6%96%87\/#%E9%A6%99%E6%B8%AF%E5%AE%9A%E6%81%AF%E6%8C%89%E6%8F%AD%E5%B8%B8%E8%A7%81%E9%97%AE%E9%A2%98\" >\u9999\u6e2f\u5b9a\u606f\u6309\u63ed\u5e38\u89c1\u95ee\u9898<\/a><\/li><\/ul><\/nav><\/div>\n\n<p>\u4e70\u697c\u662f\u4eba\u751f\u5927\u4e8b\uff0c\u800c\u606f\u53e3\u8d70\u52bf\u76f4\u63a5\u5f71\u54cd\u6bcf\u6708\u7684\u4f9b\u697c\u5f00\u652f\u3002\u5728\u9999\u6e2f\u7269\u4e1a\u5e02\u573a\uff0c\u6309\u63ed\u4e3b\u8981\u5206\u4e3a\u300c\u5b9a\u606f\u6309\u63ed\u300d\u4e0e\u300c\u6d6e\u606f\u6309\u63ed\u300d\uff08H\u6309\u53caP\u6309\uff09\u4e24\u5927\u7c7b\u3002\u5982\u679c\u4f60\u8ffd\u6c42\u8d22\u653f\u7a33\u5b9a\u3001\u4e0d\u60f3\u56e0\u4e3a\u73af\u7403\u606f\u53e3\u6ce2\u52a8\u800c\u5927\u5931\u9884\u7b97\uff0c\u300c\u5b9a\u606f\u6309\u63ed\u300d\u662f\u4e00\u4e2a\u503c\u5f97\u6df1\u5165\u4e86\u89e3\u7684\u9009\u9879\u3002\u672c\u6587\u5c06\u5e26\u4f60\u4e00\u6587\u770b\u6e05\u5b9a\u606f\u6309\u63ed\u7684\u8fd0\u4f5c\u673a\u5236\u3001\u4e0e\u6d6e\u606f\u6309\u63ed\u7684\u8be6\u7ec6\u6bd4\u8f83\uff0c\u4ee5\u53ca\u4f60\u662f\u5426\u9002\u5408\u9009\u7528\u8fd9\u7c7b\u8ba1\u5212\u3002<\/p>\n<h2><span class=\"ez-toc-section\" id=\"1%E5%88%86%E9%92%9F%E6%87%92%E4%BA%BA%E5%8C%85%EF%BC%9A%E7%94%9A%E9%BA%BD%E6%98%AF%E5%AE%9A%E6%81%AF%E4%B8%8E%E6%B5%AE%E6%81%AF%E6%8C%89%E6%8F%AD%EF%BC%9F\"><\/span><b>1\u5206\u949f\u61d2\u4eba\u5305\uff1a\u751a\u9ebd\u662f\u5b9a\u606f\u4e0e\u6d6e\u606f\u6309\u63ed\uff1f<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\">\u5b9a\u606f\u6309\u63ed\uff08Fixed-rate Mortgage\uff09\uff1a \u6307\u5728\u6309\u63ed\u5408\u7ea6\u6307\u5b9a\u7684\u5e74\u671f\u5185\uff08\u4f8b\u5982\u99963\u5e74\u30015\u5e74\u621610\u5e74\uff09\uff0c\u65e0\u8bba\u5e02\u573a\u5229\u606f\u5982\u4f55\u4e0a\u5347\u6216\u4e0b\u8dcc\uff0c<strong>\u4f9b\u6b3e\u5229\u7387\u90fd\u7ef4\u6301\u5728\u56fa\u5b9a\u6c34\u5e73<\/strong>\u3002\u8fd9\u80fd\u8ba9\u4e70\u5bb6\u9501\u5b9a\u4f9b\u697c\u5f00\u652f\uff0c\u6709\u6548\u5bf9\u51b2\u52a0\u606f\u98ce\u9669\u3002<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\">\u6d6e\u606f\u6309\u63ed\uff08H\u6309 \/ P\u6309\uff09\uff1a \u5229\u7387\u4f1a\u968f\u5e02\u573a\u6ce2\u52a8\u3002H\u6309\uff08HIBOR\uff09\u4e0e\u94f6\u884c\u540c\u4e1a\u62c6\u606f\u6302\u920e\uff0c\u901a\u5e38\u8bbe\u6709\u300c\u5c01\u9876\u606f\u7387\u300d\u4fdd\u969c\u501f\u6b3e\u4eba\uff1bP\u6309\uff08Prime Rate\uff09\u5219\u4e0e\u94f6\u884c\u7684\u6700\u4f18\u60e0\u5229\u7387\u6302\u920e\uff0c\u6ce2\u52a8\u76f8\u5bf9\u8f83\u5c0f\uff0c\u4f46\u4e24\u8005\u7686\u4f1a\u968f\u5927\u73af\u5883\u7684\u52a0\u51cf\u606f\u5468\u671f\u800c\u6539\u53d8\u6bcf\u6708\u4f9b\u6b3e\u989d\u3002<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"%E9%A6%99%E6%B8%AF%E6%8C%89%E6%8F%AD%E6%9C%BA%E5%88%B6%E5%A4%A7%E5%AF%B9%E5%86%B3%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\u673a\u5236\u5927\u5bf9\u51b3\uff1a\u5b9a\u606f\u6309\u63ed vs H\u6309 vs P\u6309<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table dir=\"ltr\" border=\"1\" cellspacing=\"0\" cellpadding=\"0\" data-sheets-root=\"1\" data-sheets-baot=\"1\">\n<colgroup>\n<col width=\"100\" \/>\n<col width=\"100\" \/>\n<col width=\"100\" \/>\n<col width=\"100\" \/>\n<col width=\"100\" \/><\/colgroup>\n<tbody>\n<tr>\n<td><strong>\u6309\u63ed\u7c7b\u578b<\/strong><\/td>\n<td><strong>\u5229\u7387\u8ba1\u7b97\u673a\u5236<\/strong><\/td>\n<td><strong>\u9002\u5408\u54ea\u79cd\u606f\u53e3\u73af\u5883\uff1f<\/strong><\/td>\n<td><strong>\u6838\u5fc3\u4f18\u70b9<\/strong><\/td>\n<td><strong>\u6838\u5fc3\u7f3a\u70b9<\/strong><\/td>\n<\/tr>\n<tr>\n<td>\u5b9a\u606f\u6309\u63ed<\/td>\n<td>\u6307\u5b9a\u5e74\u671f\u5185\u5229\u7387\u9501\u5b9a\u4e0d\u53d8<\/td>\n<td>\u9884\u671f\u5e02\u573a\u8fdb\u5165\u52a0\u606f\u5468\u671f<\/td>\n<td>\u4f9b\u6b3e\u6781\u5ea6\u7a33\u5b9a\uff0c\u65b9\u4fbf\u9884\u7b97\uff0c\u65e0\u60e7\u606f\u53e3\u6025\u5347<\/td>\n<td>\u51cf\u606f\u65f6\u65e0\u6cd5\u53d7\u60e0\uff1b\u5e02\u573a\u9009\u62e9\u8f83\u5c11\uff1b\u7f5a\u606f\u671f\u8f83\u4e25\u683c<\/td>\n<\/tr>\n<tr>\n<td>H\u6309 (HIBOR)<\/td>\n<td>\u968f\u94f6\u884c\u540c\u4e1a\u62c6\u606f\u6ce2\u52a8<\/td>\n<td>\u5e02\u573a\u606f\u53e3\u4f4e\u8ff7\u6216\u4e0b\u8dcc\u65f6<\/td>\n<td>\u606f\u53e3\u4f4e\u8ff7\u65f6\uff0c\u4f9b\u6b3e\u6210\u672c\u4e3a\u4e09\u8005\u4e2d\u6700\u4f4e<\/td>\n<td>\u6ce2\u52a8\u6781\u5927\uff0c\u6bcf\u6708\u4f9b\u6b3e\u989d\u4e0d\u7a33\u5b9a\uff08\u9700\u4f9d\u8d56\u5c01\u9876\u606f\uff09<\/td>\n<\/tr>\n<tr>\n<td>P\u6309 (Prime)<\/td>\n<td>\u968f\u6700\u4f18\u60e0\u5229\u7387\u6ce2\u52a8<\/td>\n<td>\u5e02\u573a\u606f\u53e3\u76f8\u5bf9\u5e73\u7a33\u65f6<\/td>\n<td>\u5229\u7387\u6ce2\u52a8\u8f83H\u6309\u5e73\u7a33\uff0c\u9002\u5408\u975e\u4f4f\u5b85\u7269\u4e1a<\/td>\n<td>\u96be\u4ee5\u4eab\u53d7\u62c6\u606f\u6025\u8dcc\u65f6\u7684\u7ea2\u5229<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2><span class=\"ez-toc-section\" id=\"%E4%B8%BA%E4%BB%80%E9%BA%BD%E8%A6%81%E6%8B%A3%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%BF%E9%9D%92%E4%BC%98%E5%8A%BF\"><\/span><b>\u4e3a\u4ec0\u9ebd\u8981\u62e3\u5b9a\u606f\u6309\u63ed\uff1f\u62c6\u89e3 3 \u5927\u957f\u9752\u4f18\u52bf<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"1_%E5%AE%8C%E5%85%A8%E9%94%81%E5%AE%9A%E4%BE%9B%E6%A5%BC%E5%BC%80%E6%94%AF%EF%BC%8C%E8%B4%A2%E6%94%BF%E9%A2%84%E7%AE%97%E6%9C%80%E5%AE%89%E5%BF%83\"><\/span><b>1. \u5b8c\u5168\u9501\u5b9a\u4f9b\u697c\u5f00\u652f\uff0c\u8d22\u653f\u9884\u7b97\u6700\u5b89\u5fc3<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\u5b9a\u606f\u6309\u63ed\u6700\u5927\u7684\u5356\u70b9\u5728\u65bc\u300c\u7a33\u5b9a\u6027\u300d\u3002\u5728\u5b9a\u606f\u671f\u5185\uff0c\u6bcf\u6708\u7684\u4f9b\u6b3e\u989d\u4e00\u6210\u4e0d\u53d8\u3002\u8fd9\u610f\u5473\u7740\u5bb6\u5ead\u8d22\u653f\u9884\u7b97\u4e0d\u4f1a\u56e0\u4e3a\u73af\u7403\u8d22\u7ecf\u653f\u5c40\u3001\u7f8e\u56fd\u8054\u50a8\u5c40\u7684\u51b3\u7b56\u800c\u88ab\u6253\u4e71\uff0c\u7279\u522b\u9002\u5408\u9700\u8981\u7cbe\u51c6\u63a7\u5236\u6bcf\u6708\u73b0\u91d1\u6d41\u7684\u5bb6\u5ead\u3002<\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_%E6%97%A0%E6%83%A7%E9%A6%99%E6%B8%AF%E5%8A%A0%E6%81%AF%E5%91%A8%E6%9C%9F\"><\/span><b>2. \u65e0\u60e7\u9999\u6e2f\u52a0\u606f\u5468\u671f<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\u5f53\u9999\u6e2f\u94f6\u884c\u8ddf\u968f\u7f8e\u56fd\u8fdb\u5165\u52a0\u606f\u5468\u671f\u65f6\uff0c\u6d6e\u606f\u6309\u63ed\uff08H\u6309\/P\u6309\uff09\u7684\u4e1a\u4e3b\u5f80\u5f80\u8981\u9762\u4e34\u300c\u4f9b\u591a\u51e0\u5343\u300d\u7684\u6c89\u91cd\u538b\u529b\u3002\u5b9a\u606f\u6309\u63ed\u7528\u6237\u5728\u6b64\u65f6\u5219\u53ef\u72ec\u5584\u5176\u8eab\uff0c\u72b9\u5982\u4e70\u4e86\u4e00\u4efd\u300c\u4f9b\u697c\u4fdd\u9669\u300d\uff0c\u514d\u53d7\u4f9b\u6b3e\u66b4\u589e\u7684\u98ce\u9669\u3002<\/p>\n<h3><span class=\"ez-toc-section\" id=\"3_%E5%BF%83%E7%90%86%E5%8E%8B%E5%8A%9B%E5%A4%A7%E5%87%8F\"><\/span><b>3. \u5fc3\u7406\u538b\u529b\u5927\u51cf<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\u4e70\u697c\u65b0\u624b\u6216\u5e73\u65e5\u5de5\u4f5c\u7e41\u5fd9\u7684\u4e1a\u4e3b\uff0c\u6bcb\u987b\u6bcf\u65e5\u7d27\u8d34 HIBOR \u8d70\u52bf\u6216\u62c5\u5fc3\u6bcf\u4e2a\u6708\u94f6\u884c\u5bc4\u6765\u7684\u4f9b\u6b3e\u5355\u4f1a\u5426\u98d9\u5347\uff0c\u771f\u6b63\u505a\u5230\u5b89\u6795\u65e0\u5fe7\u3002<\/p>\n<h2><span class=\"ez-toc-section\" id=\"%E7%94%B3%E8%AF%B7%E5%AE%9A%E6%81%AF%E6%8C%89%E6%8F%AD%E5%89%8D%EF%BC%8C%E5%BF%85%E9%A1%BB%E6%B3%A8%E6%84%8F%E7%9A%84_3_%E4%B8%AA%E9%9A%90%E8%97%8F%E6%88%90%E6%9C%AC%E4%B8%8E%E9%99%90%E5%88%B6\"><\/span><b>\u7533\u8bf7\u5b9a\u606f\u6309\u63ed\u524d\uff0c\u5fc5\u987b\u6ce8\u610f\u7684 3 \u4e2a\u9690\u85cf\u6210\u672c\u4e0e\u9650\u5236<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><b>\u867d\u7136\u5b9a\u606f\u6309\u63ed\u80fd\u5e26\u6765\u5b89\u5168\u611f\uff0c\u4f46\u5728\u51b3\u5b9a\u7533\u8bf7\u524d\uff0c\u5fc5\u987b\u8861\u91cf\u4ee5\u4e0b\u4e09\u5927\u9650\u5236\uff1a<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><strong>\u673a\u4f1a\u6210\u672c\uff08\u9519\u5931\u51cf\u606f\u7ea2\u5229\uff09<\/strong>\uff1a \u8fd9\u662f\u5b9a\u606f\u6309\u63ed\u6700\u5927\u7684\u53cc\u9762\u5203\u3002\u82e5\u5e02\u573a\u7a81\u7136\u5927\u5e45<strong>\u51cf\u606f<\/strong>\uff0c<strong>H\u6309\u7528\u6237\u7684\u4f9b\u6b3e\u4f1a\u5373\u65f6\u51cf\u5c11<\/strong>\uff0c\u4f46\u5b9a\u606f\u7528\u6237\u4ecd\u5fc5\u987b\u652f\u4ed8\u5408\u7ea6\u5f53\u521d\u9501\u5b9a\u7684\u8f83\u9ad8\u5229\u7387\uff0c\u53d8\u76f8\u300c\u4f9b\u8d35\u697c\u300d\u3002<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><strong>\u4e25\u683c\u7684\u7f5a\u606f\u671f\u4e0e\u8f6c\u6309\u9650\u5236<\/strong>\uff1a \u5b9a\u606f\u8ba1\u5212\u7684\u300c\u7f5a\u606f\u671f\uff08Penalty Period\uff09\u300d\u6761\u6b3e\u901a\u5e38\u6bd4\u4e00\u822c\u6d6e\u606f\u6309\u63ed\u4e25\u683c\u3002\u82e5\u4e1a\u4e3b\u6253\u7b97\u5728\u5b9a\u606f\u671f\u5185\u63d0\u65e9\u8d4e\u697c\u3001\u5356\u697c\u6216\u8f6c\u6309\uff0c\u5f80\u5f80\u9700\u8981\u652f\u4ed8<strong>\u8f83\u9ad8\u6602\u7684\u624b\u7eed\u8d39\u6216\u7f5a\u606f<\/strong>\u3002<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><strong>\u8ba1\u5212\u7684\u65f6\u6548\u6027\u4e0e\u9009\u62e9\u8f83\u5c11<\/strong>\uff1a \u9999\u6e2f\u5e02\u573a\u4e0a\u63d0\u4f9b\u957f\u5e74\u671f\u5b9a\u606f\u7684\u94f6\u884c\u8ba1\u5212\uff08\u5982\u9999\u6e2f\u6309\u63ed\u8bc1\u5238\u516c\u53f8 HKMC \u63a8\u51fa\u7684 10\u5e74\/15\u5e74\/20\u5e74\u5b9a\u606f\u8ba1\u5212\uff09\u4f1a\u56e0\u5e94\u5e02\u573a\u73af\u5883\u5b9a\u671f\u8c03\u6574\uff0c\u5e76\u975e\u968f\u65f6\u90fd\u6709\u6700\u4f18\u60e0\u7684\u9009\u62e9\uff0c\u5ba1\u6279\u6761\u4ef6\u6709\u65f6\u4ea6\u4f1a\u8f83\u4e3a\u7279\u5b9a\u3002<\/li>\n<\/ul>\n<p><strong>\u5ef6\u4f38\u9605\u8bfb\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\u4e70\u697c\u7528H\u6309\u3001P\u6309\u6216\u5b9a\u606f\u6309\u63ed\uff1f\u6709\u4ec0\u9ebd\u65b9\u6cd5\u60ad\u606f\uff1f\u7747\u57cb\u52a0\u606f\u51cf\u606f\u5f71\u54cd<\/a><\/p>\n<h2><span class=\"ez-toc-section\" id=\"%E5%AE%9A%E6%81%AF%E6%8C%89%E6%8F%AD%E9%80%82%E5%90%88%E4%BD%A0%E5%90%97%EF%BC%9F%E8%BF%99%E4%B8%89%E7%B1%BB%E4%B9%B0%E5%AE%B6%E6%9C%80%E5%BB%BA%E8%AE%AE%E8%80%83%E8%99%91\"><\/span><b>\u5b9a\u606f\u6309\u63ed\u9002\u5408\u4f60\u5417\uff1f\u8fd9\u4e09\u7c7b\u4e70\u5bb6\u6700\u5efa\u8bae\u8003\u8651<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>\u6309\u63ed\u9009\u62e9\u6ca1\u6709\u7edd\u5bf9\u7684\u597d\u4e0e\u574f\uff0c\u53ea\u6709\u662f\u5426\u9002\u5408\u4f60\u7684\u8d22\u52a1\u72b6\u51b5\u3002\u4ee5\u4e0b\u4e09\u7c7b\u4eba\u7fa4\u6700\u9002\u5408\u91c7\u7528\u5b9a\u606f\u6309\u63ed\uff1a<\/p>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><strong>\u9884\u7b97\u7d27\u7ef7\u7684\u9996\u6b21\u7f6e\u4e1a\u4eba\u58eb<\/strong>\uff1a \u5982\u679c\u9996\u671f\u521a\u597d\u8db3\u591f\uff0c\u6bcf\u6708\u4f9b\u6b3e\u80fd\u529b\u5df2\u63a5\u8fd1\u9632\u5b88\u6781\u9650\uff08\u4f8b\u5982\u4f9b\u6b3e\u5360\u5165\u606f\u6bd4\u7387\u6781\u9ad8\uff09\uff0c\u65e0\u6cd5\u627f\u53d7\u4efb\u4f55\u52a0\u606f\u5e26\u6765\u7684\u989d\u5916\u8d1f\u62c5\uff0c\u5b9a\u606f\u80fd\u9632\u6b62\u65ad\u4f9b\u98ce\u9669\u3002<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><strong>\u8ffd\u6c42\u7edd\u5bf9\u7a33\u5b9a\u7684\u957f\u7ebf\u6536\u79df\u6295\u8d44\u8005<\/strong>\uff1a \u4e70\u697c\u653e\u79df\u7684\u6295\u8d44\u8005\u9700\u8981\u7cbe\u51c6\u8ba1\u7b97\u56de\u62a5\u7387\u3002\u5b9a\u606f\u6309\u63ed\u80fd\u5c06\u4f9b\u6b3e\u5f00\u652f\u56fa\u5b9a\uff0c\u6295\u8d44\u8005\u53ea\u9700\u4e13\u6ce8\u65bc\u79df\u91d1\u6536\u5165\uff0c\u8f7b\u677e\u9501\u5b9a\u79df\u91d1\u56de\u62a5\u51c0\u5229\u6da6\u3002<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><strong>\u6536\u5165\u6781\u5ea6\u56fa\u5b9a\u7684\u4fdd\u5b88\u578b\u5bb6\u5ead<\/strong>\uff1a \u5982\u679c\u5bb6\u5ead\u6536\u5165\u975e\u5e38\u7a33\u5b9a\u4f46\u7f3a\u4e4f\u5927\u5e45\u589e\u957f\u7684\u7a7a\u95f4\uff08\u5982\u516c\u52a1\u5458\u3001\u56fa\u5b9a\u85aa\u6c34\u804c\u4f4d\uff09\uff0c\u4e14\u4e0d\u5e0c\u671b\u751f\u6d3b\u8d28\u7d20\u53d7\u5916\u90e8\u91d1\u878d\u73af\u5883\u6ce2\u52a8\u5f71\u54cd\uff0c\u5b9a\u606f\u6309\u63ed\u662f\u6700\u4f73\u7684\u9632\u5fa1\u578b\u9009\u62e9\u3002<\/li>\n<\/ol>\n<p>\u63d0\u65e9\u8fd8\u6b3e\uff08\u65e0\u8bba\u662f\u90e8\u5206\u8fd8\u662f\u5168\u6570\uff09\u90fd\u4f1a\u6536\u53d6\u7f5a\u606f\u3002\u5efa\u8bae\u5728\u7b7e\u7f72\u5408\u7ea6\u524d\uff0c\u5411\u627f\u9020\u6309\u63ed\u7684\u94f6\u884c\u8be6\u7ec6\u4e86\u89e3\u63d0\u65e9\u8fd8\u6b3e\u7684\u6761\u6b3e\u4e0e\u624b\u7eed\u8d39\u3002<\/p>\n<h2><span class=\"ez-toc-section\" 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