{"id":506527,"date":"2006-04-28T16:52:00","date_gmt":"2006-04-28T08:52:00","guid":{"rendered":"https:\/\/www.house730.com\/news\/?p=506527"},"modified":"2020-11-30T10:07:52","modified_gmt":"2020-11-30T02:07:52","slug":"%e6%8c%89%e6%8f%ad%e6%88%90%e6%95%b8%e8%88%87%e8%b2%a0%e8%b3%87%e7%94%a2","status":"publish","type":"post","link":"https:\/\/www.house730.com\/news\/cn\/506527\/%e6%8c%89%e6%8f%ad%e6%88%90%e6%95%b8%e8%88%87%e8%b2%a0%e8%b3%87%e7%94%a2\/","title":{"rendered":"\u6309\u63ed\u6210\u6570\u4e0e\u8d1f\u8d44\u4ea7"},"content":{"rendered":"
\n

\u6309 \u63ed \u8d37 \u6b3e \u6210 \u6570 \ufe5d <\/span>Loan-To-Valuation Ratio, <\/span>\u7b80 \u79f0 <\/span>LTV<\/span>\ufe5e \u662f \u6307 \u5728 \u94f6 \u884c \u653e \u51fa \u4e4b \u6309 \u63ed \u8d37 \u6b3e \u4e0e \u697c \u5b87 \u4ef7 \u683c \u7684 \u6bd4 \u7387 \u3002 \u4f46 \u8981 \u6ce8 \u610f \uff0c \u697c \u5b87 \u4ef7 \u683c \u5e76 \u4e0d \u4e00 \u5b9a \u662f \u6210 \u4ea4 \u4ef7 \uff0c \u94f6 \u884c \u901a \u5e38 \u4f1a \u4ee5 \u7269 \u4e1a \u5728 \u5e02 \u573a \u4e0a \u7684 \u4f30 \u503c \u4e0e \u6210 \u4ea4 \u4ef7 \u4f5c \u6bd4 \u8f83 \uff0c \u4ee5 \u8f83 \u4f4e \u8005 \u4f5c \u4e3a \u697c \u4ef7 \u8ba1 \u7b97 <\/span><\/span>LTV<\/span>\u3002 <\/span><\/o:p><\/span><\/span><\/p>\n

\u9274 \u65bc \u65e9 \u4e00 \u3001 \u4e24 \u5e74 \u73b0 \u91d1 \u56de \u8d60 \u8ba1 \u5212 \u5df2 \u666e \u53ca \u5316 \uff0c \u7ade \u4e89 \u53d1 \u5c55 \u81f3 \u4e0d \u592a \u5065 \u5eb7 \uff0c \u91d1 \u7ba1 \u5c40 \u9042 \u65bc <\/span>2005<\/span>\u5e74 \u53d1 \u51fa \u4ee5 \u4e0b \u6307 \u5f15 \uff1a <\/span><\/p>\n

l          <\/span><\/span>\u82e5 \u73b0 \u91d1 \u56de \u8d60 \u8d85 \u8fc7 \u4f4f \u5b85 \u6309 \u63ed \u8d37 \u6b3e \u989d \u7684 <\/span>1%<\/span>\uff0c \u5728 \u8ba1 \u7b97 <\/span>LTV<\/span>\u65f6 \uff0c \u5219 \u987b \u5c06 \u6574 \u7b14 \u56de \u8d60 \u5305 \u62ec \u5728 \u8d37 \u6b3e \u989d \u5185 \uff1b <\/span><\/p>\n

l          <\/span><\/span>\u82e5 \u73b0 \u91d1 \u56de \u8d60 \u5e76 \u4e0d \u8d85 \u8fc7 \u4f4f \u5b85 \u6309 \u63ed \u8d37 \u6b3e \u989d \u7684 <\/span>1%<\/span>\uff0c \u5219 \u65e0 \u987b \u5c06 \u8be5 \u7b14 \u56de \u8d60 \u5305 \u62ec \u5728 \u8d37 \u6b3e \u989d \u5185 \u3002 \u7136 \u800c \uff0c \u94f6 \u884c \u5e94 \u5728 \u6709 \u5173 \u7269 \u4e1a \u7684 \u4e70 \u5356 \u624b \u7eed \u5b8c \u6210 \u540e \u624d \u652f \u4ed8 \u73b0 \u91d1 \u56de \u8d60 \u4e88 \u501f \u6b3e \u4eba \uff1b <\/span><\/p>\n

l          <\/span><\/span>\u5982 \u5730 \u4ea7 \u53d1 \u5c55 \u5546 \u4e3a \u4f4f \u5b85 \u6309 \u63ed \u8ba1 \u5212 \u63d0 \u4f9b \u73b0 \u91d1 \u56de \u8d60 \u8865 \u8d34 \uff0c \u5219 \u5728 \u8ba1 \u7b97 <\/span>LTV<\/span>\u65f6 \uff0c \u5e94 \u4ee5 \u7269 \u4e1a \u7684 \u6298 \u6263 \u4ef7 \u6216 \u4f30 \u503c \u4e24 \u8005 \u4e2d \u7684 \u8f83 \u4f4e \u8005 \u4e3a \u8ba1 \u7b97 \u57fa \u7840 \u3002 <\/span><\/p>\n

\u7b14 \u8005 \u60f3 \u63d0 \u9192 \u5927 \u5bb6 \uff0c \u6709 \u5173 \u6307 \u5f15 \u751f \u6548 \u540e \uff0c \u9009 \u62e9 \u9ad8 \u73b0 \u91d1 \u56de \u8d60 \u4e4b \u6309 \u63ed \u8ba1 \u5212 \ufe5d \u5982 \u8d37 \u6b3e \u989d \u4e4b <\/span>7%<\/span>\u6216 \u4ee5 \u4e0a \u8005 \ufe5e \uff0c \u5176 \u5b9e \u53ea \u662f \u501f \u591a \u4e86 \u6309 \u63ed \u8d37 \u6b3e \uff0c \u53c8 \u6216 \u5728 \u65b0 \u697c <\/span>\u654d <\/span>\u9020 \u6309 \u63ed \u65f6 \u8981 \u964d \u4f4e \u7269 \u4e1a \u4f30 \u503c \uff0c \u5728 \u5728 \u5bf9 \u8d37 \u6b3e \u4eba <\/span>\/<\/span>\u65b0 \u4e1a \u4e3b \u90fd \u65e0 \u5927 \u7740 \u6570 \u3002 <\/span><\/span><\/p>\n

\u91d1 \u7ba1 \u5c40 \u6307 \u5f15 <\/span><\/o:p><\/span><\/strong><\/p>\n

\u4e3a \u964d \u4f4e \u62d6 \u6b20 \u8fd8 \u6b3e \u4e4b \u98ce \u9669 \uff0c <\/span>1991<\/span>\u5e74 <\/span>11<\/span>\u6708 \u8d77 \uff0c \u94f6 \u884c \u754c \u5bf9 \u4f4f \u5b85 \u6309 \u63ed \u8d37 \u6b3e \u81ea \u53d1 \u91c7 \u7eb3 \u4e03 \u6210 \u6309 \u63ed \u6210 \u6570 \u7684 \u51c6 \u5219 \ufe5d \u5373 <\/span>LTV<\/span>\u4e0d \u4f1a \u591a \u65bc <\/span>70%<\/span>\ufe5e <\/span>\u3002 \u8fd9 \u9879 \u6bd4 \u7387 \u5176 \u540e \u83b7 \u5f97 \u653f \u5e9c \u8ba4 \u540c \uff0c \u5e76 \u5e76 \u5165 \u91d1 \u7ba1 \u5c40 \u7684 \u7269 \u4e1a \u8d37 \u6b3e \u6307 \u5f15 \u5185 \uff0c \u53c8 \u79f0 “ \u4e03 \u6210 \u6309 \u63ed \u6307 \u5f15 ” \u3002 <\/span><\/span><\/p>\n

\u8bda \u8a00 \uff0c “ \u4e03 \u6210 \u6309 \u63ed \u6307 \u5f15 ” \u4e4b \u5b58 \u5728 \uff0c \u5e76 \u4e0d \u4ee3 \u8868 \u4e70 \u5bb6 \u4e0d \u80fd \u501f \u8d37 \u903e \u4e03 \u6210 \u3002 \u82e5 \u4e70 \u5bb6 \u8d44 \u91d1 \u4e0d \u8db3 \uff0c \u5176 \u5b9e \u53ef \u5411 \u627f \u6309 \u94f6 \u884c \u7533 \u8bf7 \u53c2 \u52a0 \u7531 \u9999 \u6e2f \u6309 \u63ed \u8bc1 \u5238 \u6709 \u9650 \u516c \u53f8 \u63d0 \u4f9b \u7684 \u300c \u6309 \u63ed \u4fdd \u9669 \u8ba1 \u5212 \u300d \uff0c \u4ee5 \u63d0 \u9ad8 \u6309 \u63ed \u8d37 \u6b3e \u6210 \u6570 \u81f3 \u697c \u4ef7 \u7684 <\/span>95%<\/span>\u3002 \u5c11 \u6570 \u94f6 \u884c \u4ea6 \u4f1a \u81ea \u884c \u63d0 \u4f9b \u6309 \u63ed \u4fdd \u9669 \u8ba1 \u5212 \uff0c \u6216 \u4e0e \u5916 \u95f4 \u673a \u6784 \u5408 \u4f5c \u63a8 \u51fa \u300c \u4e00 \u300d \u3001 \u300c \u4e8c \u300d \u6309 \uff0c \u4ee5 \u8fbe \u81f3 \u63d0 \u4f9b \u6700 \u9ad8 <\/span>95%<\/span>\u6309 \u63ed \u8d37 \u6b3e \u4e4b \u6548 \u3002 \u53e6 \u5916 \uff0c \u5730 \u4ea7 \u53d1 \u5c55 \u5546 \u4e3a \u6c42 \u63d0 \u9ad8 \u8425 \u4e1a \u989d \uff0c \u4ea6 \u4f1a \u900f \u8fc7 \u300c \u4e8c \u6309 \u300d \u8d37 \u6b3e \uff0c \u63d0 \u4f9b \u5c42 \u51fa \u4e0d \u7a77 \u7684 \u4f9b \u6b3e \u8ba1 \u5212 \uff0c \u4ee5 \u62db \u5f95 \u4e70 \u5bb6 \u5165 \u5e02 \u3002 <\/span><\/span><\/o:p><\/span><\/span><\/p>\n

\u591a \u501f \u4ea6 \u53ef \uff1f <\/span><\/o:p><\/span><\/strong><\/p>\n

\u65e2 \u7136 \u6e20 \u9053 \u5982 \u65af \u591a \uff0c \u90a3 \u9ebd \u591a \u501f \u4ea6 \u65e0 \u59a8 \uff1f \u7b14 \u8005 \u60f3 \u63d0 \u9192 \u5927 \u5bb6 \uff1a \u5c0f \u5fc3 \u8d1f \u8d44 \u4ea7 \uff01 \u4f55 \u8c13 \u8d1f \u8d44 \u4ea7 \u5462 \uff1f \u5176 \u5b9e \u8d1f \u8d44 \u4ea7 \u5c31 \u662f <\/span>LTV<\/span>\u8d85 \u8fc7 <\/span>100%<\/span>\u3002 \u4e3e \u4f8b \uff1a \u4eca \u5929 \u6700 \u65b0 \u4e4b \u697c \u4ef7 \u4e3a <\/span>100<\/span>\u4e07 \u5143 \uff0c \u4f46 \u65bc \u94f6 \u884c \u7684 \u6b20 \u6b3e \u4e3a <\/span>105<\/span>\u4e07 \u5143 \uff0c \u90a3 \u9ebd <\/span>LTV = 105\/100 = 105%<\/span>\ufe5d \u8d85 \u8fc7 <\/span>100%<\/span>\ufe5e \uff0c \u8fd9 \u4fbf \u662f \u8d1f \u8d44 \u4ea7 \u4e86 \u3002 \u660e \u663e \u5730 \uff0c \u5f53 \u8d37 \u6b3e \u6210 \u6570 \u8d8a \u9ad8 \uff0c \u8d8a \u5bb9 \u6613 \u53d7 \u697c \u4ef7 \u4e9b \u5fae \u6ce2 \u5e45 \u800c \u5bfc \u81f4 \u8d1f \u8d44 \u4ea7 \ufe5d \u5982 \uff1a <\/span>95%<\/span>\u6309 \u63ed \uff0c \u518d \u591a \u501f \u8fd1 <\/span>3%<\/span>\u6309 \u63ed \u4fdd \u8d39 \uff0c \u5373 <\/span>LTV<\/span>\u7ea6 \u4e3a <\/span>98%<\/span>\uff0c \u82e5 \u697c \u4ef7 \u7a0d \u8dcc <\/span>3%<\/span>\u6216 \u4ee5 \u4e0a \u4fbf \u662f \u8d1f \u8d44 \u4ea7 \u4e86 \ufe5e \u3002 \u697c \u5e02 \u65bc <\/span>1997<\/span>\u5e74 \u9ad8 \u5cf0 \u671f \u540e \u72c2 \u6cfb \u8fd1 \u4e03 \u6210 \uff0c \u5927 \u5bb6 \u53ef \u60f3 \u800c \u77e5 \u5f53 \u65f6 \u6709 \u591a \u5c11 \u4eba \u6ca6 \u4e3a \u8d1f \u8d44 \u4ea7 \u3002 <\/span><\/span><\/p>\n

\u53ef \u559c \u8005 \u662f \uff0c \u636e \u91d1 \u7ba1 \u5c40 \u7684 \u6570 \u5b57 \u663e \u793a \uff0c \u5728 <\/span>2003<\/span>\u5e74 <\/span>6<\/span>\u6708 \u5e95 \u8d1f \u8d44 \u4ea7 \u4f4f \u5b85 \u6309 \u63ed \u8d37 \u6b3e \u5b97 \u6570 \u7ea6 \u6709 <\/span>106,000<\/span>\u5b97 \uff0c \u800c <\/span>2005<\/span>\u5e74 \u7b2c <\/span>4<\/span>\u5b63 \u4e4b \u8d1f \u8d44 \u4ea7 \u6570 \u5b57 \u5219 \u8dcc \u81f3 \u7ea6 <\/span>11,000<\/span>\u5b97 \uff0c \u6709 \u5173 \u6570 \u5b57 \u4e4b \u5feb \u901f \u9012 \u51cf \uff0c \u90fd \u62dc \u671f \u5185 \u697c \u4ef7 \u5927 \u5347 \u6240 \u8d50 \u3002 <\/span><\/o:p><\/span><\/span><\/p>\n

(<\/span>\u300a <\/span>\u758f \u8d22 \u6742 <\/span>\u300b <\/span>\u6587 \u7ae0 \u540c \u65f6 \u8f6c \u8f7d \u65bc <\/span>\u300a <\/span>\u7ecf \u6d4e \u4e00 \u5468 <\/span>\u300b <\/span>)<\/span><\/p>\n

                    <\/span><\/p>\n

<\/center>\u4f5c \u8005 \u7535 \u90ae \uff1a <\/span>info@centafinance.com<\/a><\/span> <\/o:p><\/span><\/p>\n

 <\/p>\n

<<\/span>\u6ce8 <\/span>: <\/span>\u4e2d \u539f \u8d22 \u52a1 \u6709 \u9650 \u516c \u53f8 <\/span>\u4e3a \u4e2d \u539f \u96c6 \u56e2 \u4e4b \u5168 \u8d44 \u9644 \u5c5e \u516c \u53f8 \uff0c \u4e1a \u52a1 \u76ee \u6807 \u662f \u76f4 \u63a5 \u63d0 \u4f9b \u6309 \u63ed \u8d37 \u6b3e \u4e88 \u4e70 \u697c \u4eba \u4ed5 \uff0c \u52a1 \u6c42 \u4e3a \u5ba2 \u4eba \u63d0 \u4f9b \u5168 \u9762 \u3001 \u4f18 \u8d28 \u53ca \u4e00 \u7ad9 \u5f0f \u6309 \u63ed \u8d37 \u6b3e \u670d \u52a1 \u3002 \u672c \u516c \u53f8 \u4ee5 \u5730 \u4ea7 \u4ee3 \u7406 \u96c6 \u56e2 \u4e3a \u80cc \u666f \uff0c \u63d0 \u4f9b \u6309 \u63ed \u8d37 \u6b3e \u670d \u52a1 \uff0c \u4e43 \u5e02 \u573a \u4e4b \u9996 \u521b \u3002 <\/span>> <\/o:p><\/span><\/p>\n<\/p>\n<\/p>\n<\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

...<\/p>\n","protected":false},"author":10173,"featured_media":806527,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[920125],"tags":[],"new_properties":[],"class_list":["post-506527","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-920125"],"acf":[],"aioseo_notices":[],"lang":"cn","translations":{"cn":506527,"zh":6527},"pll_sync_post":[],"_links":{"self":[{"href":"https:\/\/www.house730.com\/news\/wp-json\/wp\/v2\/posts\/506527"}],"collection":[{"href":"https:\/\/www.house730.com\/news\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.house730.com\/news\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.house730.com\/news\/wp-json\/wp\/v2\/users\/10173"}],"replies":[{"embeddable":true,"href":"https:\/\/www.house730.com\/news\/wp-json\/wp\/v2\/comments?post=506527"}],"version-history":[{"count":0,"href":"https:\/\/www.house730.com\/news\/wp-json\/wp\/v2\/posts\/506527\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.house730.com\/news\/wp-json\/wp\/v2\/media\/806527"}],"wp:attachment":[{"href":"https:\/\/www.house730.com\/news\/wp-json\/wp\/v2\/media?parent=506527"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.house730.com\/news\/wp-json\/wp\/v2\/categories?post=506527"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.house730.com\/news\/wp-json\/wp\/v2\/tags?post=506527"},{"taxonomy":"new_properties","embeddable":true,"href":"https:\/\/www.house730.com\/news\/wp-json\/wp\/v2\/new_properties?post=506527"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}