{"id":33385,"date":"2024-06-01T10:05:00","date_gmt":"2024-06-01T02:05:00","guid":{"rendered":"https:\/\/www.house730.com\/news\/?p=33385"},"modified":"2024-05-31T11:21:45","modified_gmt":"2024-05-31T03:21:45","slug":"%e5%85%ac%e5%8f%b8%e5%90%8d%e8%b2%b7%e6%a8%93%e6%9c%89%e5%a5%bd%e8%99%95-%e5%8f%af%e7%94%b3%e8%ab%8b%e6%8c%89%e6%8f%ad%e5%97%8e-%e4%b8%8b","status":"publish","type":"post","link":"https:\/\/www.house730.com\/news\/33385\/%e5%85%ac%e5%8f%b8%e5%90%8d%e8%b2%b7%e6%a8%93%e6%9c%89%e5%a5%bd%e8%99%95-%e5%8f%af%e7%94%b3%e8%ab%8b%e6%8c%89%e6%8f%ad%e5%97%8e-%e4%b8%8b\/","title":{"rendered":"\u516c\u53f8\u540d\u8cb7\u6a13\u6709\u597d\u8655\uff1f \u53ef\u7533\u8acb\u6309\u63ed\u55ce\uff1f (\u4e0b)"},"content":{"rendered":"<div style='padding:10px; max-width:100%; font-family: Microsoft YaHei, Hiragino Sans GB, Arial, SimSun, Helvetica,sans-serif;'>\n<figure class='import_image' style='border:0px solid; padding-bottom:0.5em;'>\n<a href='https:\/\/img.house730.com\/2024\/05\/31\/1a1f880dbde446bc87a405b6bd1c5d34.jpg?x-oss-process=style\/1080xauto_f2.webp' target='_blank'><img style='width:100%; height:auto;' src='https:\/\/img.house730.com\/2024\/05\/31\/1a1f880dbde446bc87a405b6bd1c5d34.jpg?x-oss-process=style\/1080xauto_f2.webp' alt='\u516c\u53f8\u540d\u8cb7\u6a13\u6709\u597d\u8655? \u53ef\u7533\u8acb\u6309\u63ed\u55ce? (\u4e0b)' \/><\/a><br \/>\n<\/figure>\n<\/p>\n<p><p>\n    \u4e0a\u671f\u63d0\u53ca\u6a13\u5e02\u64a4\u8fa3\u5f8c\u4ee5\u516c\u53f8\u540d\u7fa9\u8cb7\u6a13\u7684\u4eba\u58eb\u6709\u6240\u589e\u52a0\uff0c\u516c\u53f8\u8cb7\u6a13\u540c\u6a23\u53ef\u7533\u8acb\u505a\u6309\u63ed\uff0c\u9280\u884c\u9700\u4ee5\u516c\u53f8\u80a1\u6771\u4e4b\u500b\u4eba\u5165\u606f\u6c34\u5e73\u8861\u91cf\u9084\u6b3e\u80fd\u529b\uff0c\u800c\u4f5c\u70ba\u501f\u6b3e\u64d4\u4fdd\u4eba\u7684\u516c\u53f8\u80a1\u6771\uff0c\u662f\u5426\u7b26\u5408\u4f9b\u6b3e\u4f54\u5165\u606f\u6bd4\u7387(Debt-to-income ratio\uff0c\u7c21\u7a31DTI)\u4e4b\u8981\u6c42\uff0c\u662f\u9280\u884c\u8a55\u4f30\u9084\u6b3e\u80fd\u529b\u7684\u57fa\u672c\u6e96\u5247\u3002\u7136\u800c\uff0c\u4f9b\u6b3e\u4f54\u5165\u606f\u6bd4\u7387\u7684\u4e0a\u9650\u898f\u5b9a\u56e0\u61c9\u81ea\u7528\u6216\u975e\u81ea\u7528\u7269\u696d\u3001\u9996\u5957\u623f\u6216\u4e8c\u5957\u623f\u6309\u63ed\u6709\u6240\u4e0d\u540c\uff0c\u9996\u5957\u81ea\u7528\u7269\u696d\u7684\u6bcf\u6708DTI\u4e0a\u9650\u662f50%\uff0c\u5426\u5247\u4fbf\u662f40%\u70ba\u4e0a\u9650\u3002\u5728\u9019\u500b\u6e96\u5247\u4e0b\uff0c\u82e5\u7136\u4f5c\u70ba\u501f\u6b3e\u64d4\u4fdd\u4eba\u7684\u516c\u53f8\u80a1\u6771\u6709\u5169\u4f4d\uff0c\u4ed6\u5011\u4e26\u975e\u592b\u5a66\u53c8\u6216\u672a\u80fd\u8b93\u9280\u884c\u4fe1\u7d0d\u4e8c\u4eba\u662f\u5171\u540c\u81ea\u7528\u7269\u696d\uff0c\u9280\u884c\u4fbf\u6703\u4ee540%\u70ba\u4e0a\u9650\u8a08\u7b97\u4f9b\u6b3e\u4f54\u5165\u606f\u6bd4\u7387\u3002\u4e8b\u5be6\u4e0a\uff0c\u4ea6\u6709\u9280\u884c\u4e00\u5f8b\u8996\u516c\u53f8\u540d\u7fa9\u8cfc\u8cb7\u7269\u696d\u4f5c\u70ba\u975e\u81ea\u7528\u6027\u8cea\u8655\u7406\u6309\u63ed\u7533\u8acb\uff0c\u4f9b\u6b3e\u4f54\u5165\u606f\u6bd4\u7387\u4e00\u6982\u4ee540%\u70ba\u4e0a\u9650\u8a08\u3002\n<\/p>\n<p>\n    &nbsp;\n<\/p>\n<p>\n    \u516c\u53f8\u80a1\u6771\u63d0\u4ea4\u7684\u5165\u606f\u6587\u4ef6\u8207\u4e00\u822c\u500b\u4eba\u63d0\u4ea4\u7684\u6c92\u5927\u5206\u5225\uff0c\u5305\u62ec\u6700\u8fd1\u5e74\u5ea6\u7a05\u55ae\u3001\u516c\u53f8\u7ce7\u55ae\u3001\u85aa\u91d1\u5165\u5e33\u9280\u884c\u7d00\u9304\u7b49; \u57fa\u65bc\u696d\u4e3b\u662f\u516c\u53f8\u540d\u7fa9\uff0c\u9280\u884c\u4e00\u822c\u9084\u9700\u8981\u516c\u53f8\u72c0\u6cc1\u7684\u8b49\u660e\u5305\u62ec\u516c\u53f8\u8a3b\u518a\u8b49\u3001\u516c\u53f8\u7ae0\u7a0b\u3001\u5546\u696d\u767b\u8a18\u8b49\u53ca\u80a1\u6771\u540d\u518a\u7b49\u3002\n<\/p>\n<p>\n    &nbsp;\n<\/p>\n<p>\n    \u82e5\u5c6c\u65bc\u6709\u5be6\u8cea\u71df\u904b\u696d\u52d9\u7684\u516c\u53f8\u6301\u6709\u7269\u696d\uff0c\u6709\u95dc\u6309\u63ed\u8cb8\u6b3e\u7533\u8acb\u4e00\u822c\u6703\u7531\u9280\u884c\u4e4b\u5546\u696d\u7406\u8ca1\u6216\u4e2d\u5c0f\u4f01\u8cb8\u6b3e\u90e8\u9580\u8655\u7406\uff0c\u6d89\u53ca\u4e4b\u8cb8\u6b3e\u4ea6\u672a\u5fc5\u50c5\u9650\u65bc\u7269\u696d\u6309\u63ed\uff0c\u6216\u6d89\u53ca\u751f\u610f\u71df\u904b\u6240\u9700\u4e4b\u878d\u8cc7\u8cb8\u6b3e\uff1b\u56e0\u6b64\u9280\u884c\u9700\u8981\u5411\u6709\u95dc\u516c\u53f8\u77ad\u89e3\u5176\u696d\u52d9\u7d93\u71df\u4e4b\u6536\u652f\u76c8\u8667\u53ca\u8ca1\u653f\u72c0\u6cc1\uff0c\u6240\u9700\u6587\u4ef6\u5305\u62ec\u5df2\u5be9\u6838\u7684\u8ca1\u52d9\u5831\u8868\u3001\u7ba1\u7406\u5e33\u76ee\u3001\u516c\u53f8\u7a05\u55ae\u3001\u986f\u793a\u516c\u53f8\u73fe\u91d1\u6d41\u7684\u6236\u53e3\u7d00\u9304\uff0c\u4ee5\u53ca\u6309\u8cb8\u6b3e\u500b\u6848\u9700\u8981\u4e4b\u696d\u52d9\u7d93\u71df\u72c0\u6cc1\u8cc7\u6599\u7b49\u3002\n<\/p>\n<p>\n    &nbsp;\n<\/p>\n<p>\n    \u4ee5\u516c\u53f8\u540d\u7fa9\u6301\u6709\u7269\u696d\u4e4b\u8cb7\u8ce3\u6d41\u7a0b\u3001\u6301\u6709\u516c\u53f8\u4e4b\u6cd5\u5b9a\u898f\u5247\u3001\u6bcf\u5e74\u6d89\u53ca\u4e4b\u8cbb\u7528\u53ca\u7a05\u52d9\u8a08\u7b97\u8f03\u70ba\u8907\u96dc\uff0c\u4e00\u822c\u9996\u7f6e\u8cb7\u5bb6\u4e0d\u5b9c\u5728\u672a\u77ad\u89e3\u5404\u6ce8\u610f\u7d30\u9805\u4e0b\u8f15\u7387\u4ee5\u516c\u53f8\u540d\u7fa9\u8cb7\u5165\u7269\u696d\u3002\n<\/p>\n<p>\n    \n<\/p>\n<table width=\"400\" height=\"60px\" border=\"0\" cellpadding=\"0\" align=\"center\">\n<tbody>\n<tr class=\"firstRow\">\n<td valign=\"middle\" style=\"background-color: rgb(219, 238, 243); 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