{"id":506528,"date":"2006-04-21T16:53:00","date_gmt":"2006-04-21T08:53:00","guid":{"rendered":"https:\/\/www.house730.com\/news\/?p=506528"},"modified":"2020-11-30T10:07:53","modified_gmt":"2020-11-30T02:07:53","slug":"%e4%be%9b%e6%a8%93%e8%b2%a0%e6%93%94%e5%a6%82%e4%bd%95%e8%a8%88%e7%ae%97","status":"publish","type":"post","link":"https:\/\/www.house730.com\/news\/cn\/506528\/%e4%be%9b%e6%a8%93%e8%b2%a0%e6%93%94%e5%a6%82%e4%bd%95%e8%a8%88%e7%ae%97\/","title":{"rendered":"\u4f9b\u697c\u8d1f\u62c5\u5982\u4f55\u8ba1\u7b97\ufe56"},"content":{"rendered":"
\n

\u867d \u5219 \u6309 \u63ed \u8d37 \u6b3e \u4e43 \u5c5e \u65bc \u6709 \u62b5 \u62bc \u8d37 \u6b3e \uff0c \u94f6 \u884c \u6240 \u627f \u53d7 \u4e4b \u98ce \u9669 \u76f8 \u5bf9 \u8f83 \u4f4e \uff0c \u4f46 \u94f6 \u884c \u4e3a \u786e \u4fdd \u5ba2 \u4eba \u65e5 \u540e \u80fd \u7ef4 \u6301 \u4f9b \u697c \uff0c \u5728 \u6279 \u6838 \u6309 \u63ed \u8d37 \u6b3e \u65f6 \uff0c \u4f1a \u6839 \u636e \u4e00 \u7cfb \u5217 \u4fe1 \u8d37 \u6307 \u6807 \u6765 \u51b3 \u5b9a \u6279 \u6838 \u4e0e \u5426 \uff0c \u5176 \u4e2d \u4e00 \u9879 \u4e3a \u300c \u503a \u52a1 \u6b20 \u6b3e \u5360 \u6536 \u5165 \u6bd4 \u7387 \u300d \uff0c \u7b80 \u79f0 \u300c <\/span>DTI<\/span>\u300d <\/span>(Debt-to-Income Ratio)<\/span>\u3002 <\/span><\/o:p><\/span><\/span><\/p>\n

\u4f55 \u8c13 \u300c <\/span>DTI<\/span>\u300d \ufe56 <\/span><\/o:p><\/span><\/strong><\/p>\n

\u987e \u540d \u601d \u610f \u300c <\/span>DTI<\/span>\u300d \u5373 \u662f \u4ee5 \u7533 \u8bf7 \u4eba \u6bcf \u6708 \u4e4b \u603b \u6536 \u5165 \u4e0e \u6bcf \u6708 \u4f9b \u697c \u53ca \u5176 \u4ed6 \u503a \u52a1 \u4e4b \u8fd8 \u6b3e \u989d \u4f5c \u51fa \u6bd4 \u8f83 \uff0c \u4ee5 \u603b \u503a \u52a1 \u8fd8 \u6b3e \u989d \u9664 \u4ee5 \u603b \u6536 \u5165 \u6240 \u8ba1 \u7b97 \u51fa \u6765 \u4e4b \u767e \u5206 \u6bd4 \u3002 <\/span><\/span><\/p>\n

\u603b \u6536 \u5165 \u5305 \u62ec \u7533 \u8bf7 \u4eba \u4e4b \u6bcf \u6708 \u85aa \u91d1 <\/span>(<\/span>\u5168 \u804c \u6216 \u517c \u804c <\/span>)<\/span>\u53ca \u6bcf \u6708 \u79df \u91d1 \u6536 \u5165 \uff0c \u5f53 \u7136 \u7533 \u8bf7 \u4eba \u5fc5 \u987b \u63d0 \u4f9b \u5145 \u8db3 \u4e4b \u8bc1 \u660e \uff0c \u5982 \u7cae \u5355 \u3001 \u94f6 \u884c \u5b58 \u6298 \u3001 \u7a0e \u5355 \u53ca \u79df \u7ea6 \u7b49 \ufe54 \u800c \u603b \u503a \u52a1 \u8fd8 \u6b3e \u989d \u5305 \u62ec \u5c06 \u73b0 \u6709 \u53ca \u5c06 \u4f1a \u6279 \u51fa \u6309 \u63ed \u8d37 \u6b3e \u4e4b \u6bcf \u6708 \u4f9b \u6b3e \u3001 \u5176 \u4ed6 \u65e0 \u62b5 \u62bc \u8d37 \u6b3e \u4e4b \u6bcf \u6708 \u4f9b \u6b3e \uff0c \u53ca \u4fe1 \u7528 \u54ad \u6b20 \u6b3e \u4e4b <\/span>3%<\/span>\u81f3 <\/span>5%(<\/span>\u8879 \u9002 \u7528 \u65bc \u6bcf \u6708 \u6e05 \u8fd8 \u6700 \u4f4e \u8fd8 \u6b3e \u8005 <\/span>)<\/span>\u7b49 \u3002 <\/span><\/span><\/p>\n

50\/50<\/span>\ufe56 <\/span><\/o:p><\/span><\/strong><\/p>\n

\u4e00 \u822c \u6765 \u8bf4 \uff0c \u94f6 \u884c \u4f1a \u4ee5 \u7533 \u8bf7 \u4eba \u503a \u52a1 \u8fd8 \u6b3e \u989d \u5360 \u6536 \u5165 \u4e4b <\/span>50%<\/span>\u4e3a \u8d37 \u6b3e \u4e0a \u9650 \uff0c \u5047 \u8bbe \u7533 \u8bf7 \u4eba \u6708 \u5165 \u4e3a <\/span>$20,000<\/span>\uff0c \u5176 \u6279 \u51fa \u4e4b \u6309 \u63ed \u8d37 \u6b3e \u6708 \u4f9b \u4e0a \u9650 \u5219 \u4e3a <\/span>$10,000<\/span>\u3002 <\/span><\/o:p><\/span><\/span><\/p>\n

\u5f53 \u7136 \uff0c \u94f6 \u884c \u4ea6 \u4f1a \u56e0 \u5e94 \u7533 \u8bf7 \u4eba \u4e0d \u540c \u4e4b \u5904 \u5883 \uff0c \u800c \u5bf9 \u300c <\/span>DTI<\/span>\u300d \u4f5c \u51fa \u9002 \u5f53 \u8c03 \u6574 \uff0c \u5047 \u8bbe \u7533 \u8bf7 \u4eba \u6708 \u5165 \u4e3a <\/span>$60,000<\/span>\uff0c \u94f6 \u884c \u5219 \u6709 \u673a \u4f1a \u5c06 <\/span>DTI<\/span>\u8c03 \u5347 \u81f3 <\/span>60%<\/span>\uff0c \u5373 \u6279 \u51fa \u8d37 \u6b3e \u4e4b \u6708 \u4f9b \u4e0a \u9650 \u4e3a <\/span>$36,000<\/span>\uff0c \u56e0 \u7533 \u8bf7 \u4eba \u65bc \u4f9b \u6b3e \u540e \u4ecd \u6709 <\/span>$24,000<\/span>\u4f5c \u4e3a \u65e5 \u5e38 \u751f \u6d3b \u5f00 \u652f \ufe54 \u76f8 \u53cd \uff0c \u7533 \u8bf7 \u4eba \u6708 \u5165 \u4e3a <\/span>$7,000<\/span>\u65f6 \uff0c \u5982 \u6279 \u51fa \u4e4b <\/span>DTI<\/span>\u4e3a <\/span>50%<\/span>\uff0c \u7533 \u8bf7 \u4eba \u65bc \u4f9b \u6b3e \u540e \u53ea \u6709 <\/span>$3,500<\/span>\u4f5c \u4e3a \u65e5 \u5e38 \u751f \u6d3b \u5f00 \u652f \uff0c \u94f6 \u884c \u4f1a \u8ba4 \u4e3a \u98ce \u9669 \u8f83 \u9ad8 \uff0c \u6216 \u4f1a \u8003 \u8651 \u5c06 \u6309 \u63ed \u6761 \u6b3e \u4e4b \u4f18 \u60e0 \u76f8 \u5bf9 \u51cf \u5c11 \uff0c \u53c8 \u6216 \u53ef \u80fd \u8981 \u6c42 \u7533 \u8bf7 \u4eba \u63d0 \u4f9b \u300c \u8054 \u540d \u501f \u6b3e \u4eba \u300d \u6216 \u300c \u62c5 \u4fdd \u4eba \u300d \u3002 <\/span><\/span><\/p>\n

\u53e6 \u5916 \uff0c \u8981 \u6ce8 \u610f \u7684 \u662f \u300c <\/span>DTI<\/span>\u300d \u662f \u4f1a \u968f \u606f \u53e3 \u4e0a \u5347 \u800c \u6539 \u53d8 \uff0c \u5047 \u8bbe \u6309 \u63ed \u8d37 \u6b3e \u989d \u4e3a <\/span>$1,000,000<\/span>\uff0c \u4f9b \u6b3e \u671f \u4e3a <\/span>20<\/span>\u5e74 \uff0c \u501f \u6b3e \u4eba \u6708 \u5165 \u4e3a <\/span>$14,000<\/span>\uff0c \u52a0 \u606f \u540e \u300c <\/span>DTI<\/span>\u300d \u4e4b \u53d8 \u5316 \u5982 \u4e0b \ufe55 <\/span><\/p>\n\n\n\n\n\n\n\n
\n

\u6700 \u4f18 \u60e0 \u5229 \u7387 <\/span><\/o:p><\/span><\/strong><\/p>\n

P <\/o:p><\/span><\/strong><\/p>\n<\/td>\n

\n

\u6309 \u63ed \u5229 \u7387 <\/span><\/o:p><\/span><\/strong><\/p>\n

P-2.5% <\/o:p><\/span><\/strong><\/p>\n<\/td>\n

\n

\u6bcf \u6708 \u4f9b \u6b3e \u989d <\/span><\/o:p><\/span><\/strong><\/p>\n<\/td>\n

\n

\u8fd8 \u6b3e \u5360 \u6536 \u5165 \u6bd4 \u7387 <\/span><\/o:p><\/span><\/strong><\/p>\n

(DTI) <\/o:p><\/span><\/strong><\/p>\n<\/td>\n<\/tr>\n

\n

8.00%<\/span><\/p>\n<\/td>\n

\n

5.50%<\/span><\/p>\n<\/td>\n

\n

$6,879<\/span><\/p>\n<\/td>\n

\n

49.1%<\/span><\/p>\n<\/td>\n<\/tr>\n

\n

8.25%<\/span><\/p>\n<\/td>\n

\n

5.75%<\/span><\/p>\n<\/td>\n

\n

$7,021<\/span><\/p>\n<\/td>\n

\n

50.2%<\/span><\/p>\n<\/td>\n<\/tr>\n

\n

8.50%<\/span><\/p>\n<\/td>\n

\n

6.00%<\/span><\/p>\n<\/td>\n

\n

$7,164<\/span><\/p>\n<\/td>\n

\n

51.2%<\/span><\/p>\n<\/td>\n<\/tr>\n

\n

8.75%<\/span><\/p>\n<\/td>\n

\n

6.25%<\/span><\/p>\n<\/td>\n

\n

$7,309<\/span><\/p>\n<\/td>\n

\n

52.2%<\/span><\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

<\/span><\/p>\n

\u4f55 \u4e0d \u91cf \u529b \u800c \u4e3a \ufe56 <\/span><\/o:p><\/span><\/strong><\/p>\n

\u5982 \u6309 \u63ed \u8d37 \u6b3e \u7533 \u8bf7 \u4eba \u4e4b \u300c <\/span>DTI<\/span>\u300d \u771f \u7684 \u8d85 \u8fc7 \u4e86 <\/span>50%<\/span>\uff0c \u4ed6 \u4eec \u53ef \u8003 \u8651 \u5ef6 \u957f \u4f9b \u6b3e \u5e74 \u671f \u4ee5 \u51cf \u4f4e \u6bcf \u6708 \u4f9b \u6b3e \u989d \uff0c \u53c8 \u6216 \u53ef \u63d0 \u4f9b \u300c \u8054 \u540d \u501f \u6b3e \u4eba \u300d \u6216 \u300c \u62c5 \u4fdd \u4eba \u300d \u589e \u52a0 \u6bcf \u6708 \u6536 \u5165 \uff0c \u4ece \u800c \u4ee4 \u300c <\/span>DTI<\/span>\u300d \u964d \u4f4e \uff0c \u76f8 \u5173 \u4e4b \u6309 \u63ed \u8d37 \u6b3e \u4f1a \u8f83 \u6613 \u5f97 \u5230 \u6279 \u6838 \u3002 <\/span><\/span><\/p>\n

\u6700 \u540e \uff0c \u7b14 \u8005 \u8ba4 \u4e3a \u300c <\/span>DTI<\/span>\u300d \u4f4e \u65bc <\/span>40%<\/span>\u624d \u662f \u5904 \u65bc \u5408 \u7406 \u6c34 \u5e73 \uff0c \u867d \u5219 \u8c13 \u300c <\/span>DTI<\/span>\u300d \u662f \u94f6 \u884c \u6240 \u8ba2 \u51fa \u4e4b \u4fe1 \u8d37 \u6307 \u6807 \uff0c \u6309 \u63ed \u8d37 \u6b3e \u7533 \u8bf7 \u4eba \u5fc5 \u987b \u91cf \u529b \u800c \u4e3a \uff0c \u8003 \u8651 \u81ea \u5df1 \u672c \u8eab \u4e4b \u4f9b \u6b3e \u80fd \u529b \uff0c \u624d \u4f5c \u51fa \u8d2d \u7f6e \u7269 \u4e1a \u4e4b \u51b3 \u5b9a \ufe57 <\/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

<\/center><\/p>\n

\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

<\/center><\/p>\n<\/p>\n<\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

...<\/p>\n","protected":false},"author":10173,"featured_media":806528,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[920125],"tags":[],"new_properties":[],"class_list":["post-506528","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-920125"],"acf":[],"aioseo_notices":[],"lang":"cn","translations":{"cn":506528,"zh":6528},"pll_sync_post":[],"_links":{"self":[{"href":"https:\/\/www.house730.com\/news\/wp-json\/wp\/v2\/posts\/506528"}],"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=506528"}],"version-history":[{"count":0,"href":"https:\/\/www.house730.com\/news\/wp-json\/wp\/v2\/posts\/506528\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.house730.com\/news\/wp-json\/wp\/v2\/media\/806528"}],"wp:attachment":[{"href":"https:\/\/www.house730.com\/news\/wp-json\/wp\/v2\/media?parent=506528"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.house730.com\/news\/wp-json\/wp\/v2\/categories?post=506528"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.house730.com\/news\/wp-json\/wp\/v2\/tags?post=506528"},{"taxonomy":"new_properties","embeddable":true,"href":"https:\/\/www.house730.com\/news\/wp-json\/wp\/v2\/new_properties?post=506528"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}