{"id":505768,"date":"2014-05-12T10:14:00","date_gmt":"2014-05-12T02:14:00","guid":{"rendered":"https:\/\/www.house730.com\/news\/?p=505768"},"modified":"2020-11-30T10:03:07","modified_gmt":"2020-11-30T02:03:07","slug":"%e9%8a%80%e8%a1%8c%e7%9c%bc%e4%b8%ad%e7%9a%84%e5%84%aa%e8%b3%aa%e6%8c%89%e6%8f%ad%e5%ae%a2%e6%88%b6","status":"publish","type":"post","link":"https:\/\/www.house730.com\/news\/cn\/505768\/%e9%8a%80%e8%a1%8c%e7%9c%bc%e4%b8%ad%e7%9a%84%e5%84%aa%e8%b3%aa%e6%8c%89%e6%8f%ad%e5%ae%a2%e6%88%b6\/","title":{"rendered":"\u94f6\u884c\u773c\u4e2d\u7684\u4f18\u8d28\u6309\u63ed\u5ba2\u6237"},"content":{"rendered":"<div style='padding:10px; max-width:100%; font-family: Microsoft YaHei, Hiragino Sans GB, Arial, SimSun, Helvetica,sans-serif;'>\n<p><p>&nbsp;<\/p>\n<div style=\"line-height: 23pt\"><span style=\"background-color: #ffffff\"><span style=\"font-family: \u5fae\u8f6f\u6b63\u9ed1\u4f53\">&nbsp;&nbsp;&nbsp;<\/span><\/span><span style=\"background-color: #ffffff\"><span style=\"font-family: \u5fae\u8f6f\u6b63\u9ed1\u4f53\">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<\/span><span style=\"color: #000000\"><span style=\"font-family: \u5fae\u8f6f\u6b63\u9ed1\u4f53\"> <\/span><span style=\"font-size: 12pt\"><span style=\"font-family: \u5fae\u8f6f\u6b63\u9ed1\u4f53\">\u94f6\u884c\u5728\u5ba1\u6279\u6309\u63ed\u8d37\u6b3e\u7684\u8fc7\u7a0b\u4e2d\uff0c\u5927\u81f4\u4e0a\u4f1a\u5206\u4e24\u5927\u8303\u7574\u8fdb\u884c\u4fe1\u8d37\u98ce\u9669\u8bc4\u4f30\uff0c\u5176\u4e00\u662f\u8861\u91cf\u5173\u65bc\u7528\u4f5c\u62b5\u62bc\u7684\u6309\u63ed\u7269\u4e1a\uff0c\u4f8b\u5982\u662f\u7269\u4e1a\u7684\u5e02\u573a\u4ef7\u503c\u3001\u697c\u9f84\u3001\u8d28\u7d20\u3001\u4e1a\u6743\u72b6\u51b5\u7b49\uff1b\u53e6\u4e00\u65b9\u9762\u662f\u8bc4\u4f30\u6309\u63ed\u7533\u8bf7\u4eba\u672c\u8eab\u7684\u8d22\u52a1\u72b6\u51b5\uff0c\u672c\u6587\u5148\u96c6\u4e2d\u8c08\u53ca\u540e\u8005\u3002\u5bf9\u65bc\u501f\u6b3e\u4eba\u7684\u72b6\u51b5\uff0c\u94f6\u884c\u9996\u91cd\u8bc4\u4f30\u5176\u8fd8\u6b3e\u80fd\u529b\uff0c\u5176\u6b21\u662f\u53ef\u8fdb\u884c\u4ea4\u53c9\u9500\u552e\u7684\u673a\u4f1a\u53ca\u4e0e\u94f6\u884c\u4e4b\u5173\u7cfb\u7b49\u3002<\/span><\/span><\/span><\/span><\/div>\n<div style=\"line-height: 23pt\"><span style=\"color: #000000\"><span style=\"background-color: #ffffff\"><span style=\"font-size: 12pt\">&nbsp;<\/span><\/span><\/span><\/div>\n<div style=\"line-height: 23pt; text-indent: 24pt\"><span style=\"color: #000000\"><span style=\"background-color: #ffffff\"><span style=\"font-size: 12pt\"><span style=\"font-family: \u5fae\u8f6f\u6b63\u9ed1\u4f53\">\u4e00\u822c\u6765\u8bf4\uff0c\u94f6\u884c\u9700\u8ba1\u7b97\u501f\u6b3e\u4eba\u7684\u4f9b\u6b3e\u5360\u5165\u606f\u6bd4\u7387(<\/span><span style=\"font-family: \u5fae\u8f6f\u6b63\u9ed1\u4f53\">Debt-to-income ratio<\/span><span style=\"font-family: \u5fae\u8f6f\u6b63\u9ed1\u4f53\">, <\/span><span style=\"font-family: \u5fae\u8f6f\u6b63\u9ed1\u4f53\">\u7b80\u79f0<\/span><span style=\"font-family: \u5fae\u8f6f\u6b63\u9ed1\u4f53\">DTI<\/span><span style=\"font-family: \u5fae\u8f6f\u6b63\u9ed1\u4f53\">\u6bd4\u7387<\/span><span style=\"font-family: \u5fae\u8f6f\u6b63\u9ed1\u4f53\">)<\/span><span style=\"font-family: \u5fae\u8f6f\u6b63\u9ed1\u4f53\">\uff0c\u5373\u662f\u501f\u6b3e\u4eba\u6bcf\u6708\u603b\u503a\u52a1\u4f9b\u6b3e\u989d\u5360\u5165\u606f\u7684\u6bd4\u7387\uff0c\u57fa\u65bc\u6309\u63ed\u63aa\u65bd\u4e4b\u63a8\u51fa\uff0c\u76ee\u524dDTI\u6bd4\u7387\u4e4b\u8981\u6c42\u5df2\u8f83\u4ece\u524d\u63d0\u9ad8\uff0c\u4ee5\u5f80\u53ea\u9700\u6bcf\u6708\u4f9b\u6b3e\u989d\u4e0d\u591a\u65bc\u5165\u606f\u4e4b\u4e00\u534a\uff0c\u73b0\u8ba1\u53ca\u538b\u529b\u6d4b\u8bd5\u540e\uff0c\u82e5\u4ee525\u5e74\u671f\u8ba1\uff0c\u6bcf\u6708\u603b\u4f9b\u6b3e\u989d\u5360\u5165\u606f\u5df2\u4e0d\u53ef\u591a\u65bc43.6%\uff0c\u82e5\u5c5e\u65bc\u7b2c\u4e8c\u5957\u623f\u6309\u63ed\uff0c\u6b64\u6bd4\u7387\u518d\u9700\u4e0b\u8c0310\u4e2a\u767e\u5206\u70b9\u3002\u8bc4\u4f30DTI\u6bd4\u7387\u7684\u540c\u65f6\uff0c\u94f6\u884c\u4ea6\u4f1a\u8861\u91cf\u501f\u6b3e\u4eba\u7684\u5de5\u4f5c\u6027\u8d28\u53ca\u5165\u606f\u7684\u7a33\u5b9a\u6027\uff0c\u4f8b\u5982\u501f\u6b3e\u4eba\u5c5e\u65bc\u4e13\u4e1a\u4eba\u58eb\u6216\u516c\u52a1\u5458\uff0c\u53c8\u6216\u65bc\u73b0\u804c\u516c\u53f8\u5df2\u5de5\u4f5c\u6570\u5e74\uff0c\u6bcf\u6708\u5165\u606f\u7a33\u5b9a\uff0c\u94f6\u884c\u5c06\u89c6\u501f\u6b3e\u4eba\u4e3a\u4fe1\u8d37\u98ce\u9669\u8f83\u4f4e\u4e4b\u5ba2\u6237\uff1b\u82e5\u7136\u501f\u6b3e\u4eba\u4e4b\u5165\u606f\u5e76\u975e\u56fa\u5b9a\uff0c\u4f8b\u5982\u662f\u4ee5\u8d5a\u53d6\u4f63\u91d1\u4e3a\u4e3b\u7684\u8425\u9500\u4ee3\u8868\u3001\u7684\u58eb\u53f8\u673a\u7b49\uff0c\u94f6\u884c\u4e00\u822c\u8981\u6c42\u6700\u5c11\u8fbe\u534a\u5e74\u7684\u6536\u5165\u7eaa\u5f55\uff0c\u4ee5\u5176\u5e73\u5747\u6536\u5165\u8861\u91cf\u8fd8\u6b3e\u80fd\u529b\uff0c\u4e0d\u8fc7\u90e8\u4efd\u94f6\u884c\u5bf9\u65bc\u975e\u56fa\u5b9a\u5165\u606f\u4eba\u58eb\u7684\u6309\u63ed\u7533\u8bf7\u4f1a\u8f83\u4e3a\u4fdd\u5b88\u3002<\/span><\/span><\/span><\/span><\/div>\n<div style=\"line-height: 23pt; text-indent: 24pt\"><span style=\"color: #000000\"><span style=\"background-color: #ffffff\"><span style=\"font-size: 12pt\">&nbsp;<\/span><\/span><\/span><\/div>\n<div style=\"line-height: 23pt; text-indent: 24pt\"><span style=\"color: #000000\"><span style=\"background-color: #ffffff\"><span style=\"font-size: 12pt\"><span style=\"font-family: \u5fae\u8f6f\u6b63\u9ed1\u4f53\">\u53e6\u5916\uff0c\u94f6\u884c\u4ea6\u4f1a\u8003\u8651\u4e0e\u501f\u6b3e\u4eba\u4e4b\u5173\u7cfb\uff0c\u4f8b\u5982\u501f\u6b3e\u4eba\u591a\u5e74\u6765\u662f\u8be5\u94f6\u884c\u7684\u5927\u989d\u5b58\u6b3e\u5ba2\u6237\uff0c\u5e76\u4e00\u76f4\u4f7f\u7528\u94f6\u884c\u7684\u4ea7\u54c1\u53ca\u670d\u52a1\uff0c\u53c8\u6216\u51b3\u5b9a\u65bc\u8be5\u94f6\u884c\u5f00\u8bbe\u51fa\u7cae\u6237\u53e3\uff0c\u8fd9\u4e9b\u90fd\u6b63\u5728\u6216\u51c6\u5907\u4e0e\u94f6\u884c\u5efa\u7acb\u957f\u8fdc\u7684\u5ba2\u6237\u5173\u7cfb\uff0c\u94f6\u884c\u4fbf\u613f\u610f\u63d0\u4f9b\u8f83\u4f73\u697c\u6309\u4f18\u60e0\u3002\u73b0\u65f6\u6309\u63ed\u606f\u7387\u5904\u4f4e\u6c34\u5e73\uff0c\u5229\u6da6\u5fae\u8584\uff0c\u94f6\u884c\u5341\u5206\u91cd\u89c6\u6309\u63ed\u5ba2\u6237\u5e26\u6765\u7684\u6f5c\u5728\u4ea4\u53c9\u9500\u552e\u673a\u4f1a\uff0c\u6545\u6b64\u9ad8\u5165\u606f\u4e2d\u4ea7\u4eba\u58eb\u81ea\u7136\u83b7\u94f6\u884c\u8bc6\u522b\u4e3a\u300c\u597d\u5ba2\u300d\u3002<\/span><\/span><\/span><\/span><\/div>\n<div style=\"line-height: 23pt\"><span style=\"color: #000000\"><span style=\"background-color: #ffffff\"><span style=\"font-size: 12pt\">&nbsp;<\/span><\/span><\/span><\/div>\n<div style=\"line-height: 23pt; text-indent: 24pt\"><span style=\"color: #000000\"><span style=\"background-color: #ffffff\"><span style=\"font-size: 12pt\"><span style=\"font-family: \u5fae\u8f6f\u6b63\u9ed1\u4f53\">\u5176\u6b21\uff0c\u501f\u6b3e\u4eba\u7684\u5e74\u9f84\u4ea6\u662f\u94f6\u884c\u5ba1\u6279\u6309\u63ed\u7684\u8003\u8651\u8981\u7d20\uff0c\u4ea6\u76f4\u63a5\u5f71\u54cd\u94f6\u884c\u53ef\u6279\u51fa\u4e4b\u6309\u63ed\u5e74\u671f\uff0c\u56e0\u4e3a\u94f6\u884c\u987b\u8003\u8651\u501f\u6b3e\u4eba\u5c1a\u6709\u591a\u5c11\u5e74\u4fbf\u8fbe\u9000\u4f11\u5e74\u9f84\uff0c\u5c4a\u65f6\u672a\u5fc5\u6709\u5145\u8db3\u7684\u8fd8\u6b3e\u80fd\u529b\u3002<\/span><span style=\"font-family: \u5fae\u8f6f\u6b63\u9ed1\u4f53\">\u73b0\u65f6\u94f6\u884c\u4e00\u822c\u8bbe\u5b9a\u501f\u6b3e\u4eba\u5e74\u9f84\u4e0e\u4f9b\u6b3e\u5e74\u671f\u603b\u548c\u7684\u4e0a\u9650\u4e3a<\/span><span style=\"font-family: \u5fae\u8f6f\u6b63\u9ed1\u4f53\">60<\/span><span style=\"font-family: \u5fae\u8f6f\u6b63\u9ed1\u4f53\">\u81f370<\/span><span style=\"font-family: \u5fae\u8f6f\u6b63\u9ed1\u4f53\">\u5e74\uff0c\u90e8\u4efd\u9ad8\u8fbe75\u5e74\uff0c\u4f46\u6309\u63ed\u4f9b\u6b3e\u5e74\u671f\u4e0a\u9650\u4e3a30\u5e74\u3002<\/span><\/span><\/span><\/span><\/div>\n<div style=\"text-align: justify; text-justify: inter-ideograph; line-height: 23pt; text-indent: 24pt\"><span style=\"color: #000000\"><span style=\"background-color: #ffffff\"><span style=\"font-size: 12pt\">&nbsp;<\/span><\/span><\/span><\/div>\n<div style=\"text-align: justify; text-justify: inter-ideograph; line-height: 23pt; text-indent: 24pt\"><span style=\"color: #000000\"><span style=\"background-color: #ffffff\"><span style=\"font-size: 12pt\"><span style=\"font-family: \u5fae\u8f6f\u6b63\u9ed1\u4f53\">\u9664\u4e0a\u8ff0\u5916\uff0c\u94f6\u884c\u8fd8\u4f1a\u8003\u8651\u501f\u6b3e\u4eba\u7684\u4fe1\u8d37\u8bc4\u7ea7\u53ca\u7eaa\u5f55\uff0c\u76ee\u524d\u94f6\u884c\u53c2\u8003\u7684\u4fe1\u8d37\u62a5\u544a\u5747\u7531\u4e00\u5bb6\u540d\u4e3a\u300c\u73af\u8054T<\/span><span style=\"font-family: \u5fae\u8f6f\u6b63\u9ed1\u4f53\">ransUnion<\/span><span style=\"font-family: \u5fae\u8f6f\u6b63\u9ed1\u4f53\">\u300d\u7684\u4fe1\u8d37\u8d44\u6599\u673a\u6784\u63d0\u4f9b\uff0c\u6545\u6b64\u94f6\u884c\u591a\u7b80\u79f0\u67e5\u9605\u5ba2\u6237\u4fe1\u8d37\u7eaa\u5f55\u4e3a\u300c\u67e5<\/span><span style=\"font-family: \u5fae\u8f6f\u6b63\u9ed1\u4f53\">TU<\/span><span style=\"font-family: \u5fae\u8f6f\u6b63\u9ed1\u4f53\">\u300d<\/span><span style=\"font-family: \u5fae\u8f6f\u6b63\u9ed1\u4f53\">,<\/span><span style=\"font-family: \u5fae\u8f6f\u6b63\u9ed1\u4f53\">\u62a5\u544a\u5185\u5bb9\u5305\u62ec\u90e8\u4efd\u4e2a\u4eba\u8d44\u6599\u3001\u4fe1\u8d37\u8d26\u6237\u8d44\u6599\u3001\u4fe1\u8d37\u989d\u53ca\u8fd8\u6b3e\u7eaa\u5f55(\u5305\u62ec\u79c1\u4eba\u8d37\u6b3e\u3001\u7a0e\u52a1\u8d37\u6b3e\u3001\u5206\u671f\u4ed8\u6b3e\u3001\u4fe1\u7528\u5361\u7ed3\u6b20\u3001\u6c7d\u8f66\u8d37\u6b3e\u53ca\u79df\u8d2d\u8d37\u6b3e\u7b49)\uff0c\u81ea2011\u5e744\u6708\u8d77\u4ea6\u5df2\u9010\u6b65\u5305\u62ec\u6309\u63ed\u5b97\u6570\u53ca\u662f\u5426\u5df2\u7ed3\u675f\u4e4b\u57fa\u672c\u72b6\u51b5\u7b49\u3002\u53e6\u5916\uff0cTU\u62a5\u544a\u4ea6\u5305\u62ec\u903e\u671f\u8fd8\u6b3e\u4e4b\u8d1f\u9762\u7eaa\u5f55\uff0c\u4ee5\u53ca\u4e00\u4e9b\u516c\u4f17\u7eaa\u5f55\u5982<\/span><span style=\"font-family: \u5fae\u8f6f\u6b63\u9ed1\u4f53\">\u503a\u52a1\u8ffd\u8ba8\u3001\u7834\u4ea7\u53ca\u6e05\u76d8\u8bc9\u8bbc\u7533\u8bf7\u3002\u62a5\u544a\u5185\u6982\u62ec\u8bbe\u6709\u4e00\u4e2a\u4fe1\u8d37\u8bc4\u5206\uff0c\u5206A\u81f3J\u5171\u5341\u4e2a\u7ea7\u522b\uff0c\u4ee5\u4f30\u8ba1\u501f\u6b3e\u4eba\u5728\u672a\u676512\u4e2a\u6708\u5c65\u884c\u8fd8\u6b3e\u8d23\u4efb\u7684\u673a\u4f1a\u7387\u3002<\/span><\/span><\/span><\/span><\/div>\n<div style=\"text-align: justify; text-justify: inter-ideograph; line-height: 23pt; text-indent: 24pt\"><span style=\"color: #000000\"><span style=\"background-color: #ffffff\"><span style=\"font-size: 12pt\">&nbsp;<\/span><\/span><\/span><\/div>\n<div style=\"text-align: justify; text-justify: inter-ideograph; line-height: 23pt; text-indent: 24pt\"><span style=\"color: #000000\"><span style=\"background-color: #ffffff\"><span style=\"font-size: 12pt\"><span style=\"font-family: \u5fae\u8f6f\u6b63\u9ed1\u4f53\">\u5982\u679c\u8d37\u6b3e\u4eba\u62e5\u6709\u826f\u597d\u7684\u4fe1\u8d37\u8bc4\u5206\u53ca\u7eaa\u5f55\uff0c\u4e00\u822c\u53ef\u83b7\u94f6\u884c\u6279\u51fa\u5e02\u573a\u4e0a\u8f83\u4f18\u60e0\u7684\u6309\u63ed\u606f\u7387\u53ca\u6761\u6b3e\u3002\u8981\u5efa\u7acb\u4f18\u826f\u7684\u4fe1\u8d37\u7b49\u7ea7\uff0c\u517b\u6210\u51c6\u65f6\u8fd8\u6b3e\u7684\u4e60\u60ef\u662f\u76f8\u5f53\u91cd\u8981\uff0c\u4e00\u65e6\u62d6\u6b20\u6b3e\u9879\u8d85\u8fc760\u5929\uff0c\u6709\u5173\u8d1f\u9762\u7eaa\u5f55\u4fbf\u9700\u4fdd\u75595\u5e74\uff0c\u5927\u5927\u5f71\u54cd\u4fe1\u8d37\u8bc4\u7ea7\u3002\u53e6\u5916\u4ea6\u9700\u6ce8\u610f\u4e0d\u8981\u8fc7\u5ea6\u501f\u8d37\u3001\u53c8\u6216\u7533\u8bf7\u8fc7\u591a\u4fe1\u7528\u5361\u53ca\u79ef\u7d2f\u8fc7\u591a\u5361\u6570\uff0c\u5e76\u5e94\u5b9a\u671f\u81ea\u884c\u67e5\u9605\u4fe1\u8d37\u7eaa\u5f55\uff0c\u5f53\u53d1\u73b0\u4fe1\u8d37\u62a5\u544a\u5185\u7684\u8d44\u6599\u6709\u4e0d\u6b63\u786e\u65f6\uff0c\u4fbf\u5e94\u4e3b\u52a8\u5411\u300c\u73af\u8054\u300d\u8981\u6c42\u4fee\u6b63\u3002<\/span><span style=\"font-family: \u5fae\u8f6f\u6b63\u9ed1\u4f53\">\u603b\u62ec\u800c\u8a00\uff0c\u82e5\u7136\u501f\u6b3e\u4eba\u4e4b\u5de5\u4f5c\u53ca\u5165\u606f\u7a33\u5b9a\u3001\u8d22\u52a1\u72b6\u51b5\u826f\u597d\uff0cDTI\u6bd4\u7387\u5904\u504f\u4f4e\u5065\u5eb7\u6c34\u5e73\u3001\u4ee5\u53ca\u4fe1\u8d37\u7eaa\u5f55\u4f18\u826f\uff0c\u94f6\u884c\u5411\u501f\u6b3e\u4eba\u6279\u51fa\u5e02\u573a\u4e0a\u6700\u4f18\u60e0\u4e4b\u6309\u63ed\u606f\u7387\u53ca\u6761\u6b3e\u673a\u4f1a\u4fbf\u8f83\u9ad8\u3002<\/span><\/span><\/span><\/span><\/div>\n<div style=\"text-align: right; 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