{"id":5768,"date":"2014-05-12T10:14:00","date_gmt":"2014-05-12T02:14:00","guid":{"rendered":"https:\/\/www.house730.com\/news\/?p=5768"},"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\/5768\/%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":"\u9280\u884c\u773c\u4e2d\u7684\u512a\u8cea\u6309\u63ed\u5ba2\u6236"},"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\u8edf\u6b63\u9ed1\u9ad4\">&nbsp;&nbsp;&nbsp;<\/span><\/span><span style=\"background-color: #ffffff\"><span style=\"font-family: \u5fae\u8edf\u6b63\u9ed1\u9ad4\">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<\/span><span style=\"color: #000000\"><span style=\"font-family: \u5fae\u8edf\u6b63\u9ed1\u9ad4\"> <\/span><span style=\"font-size: 12pt\"><span style=\"font-family: \u5fae\u8edf\u6b63\u9ed1\u9ad4\">\u9280\u884c\u5728\u5be9\u6279\u6309\u63ed\u8cb8\u6b3e\u7684\u904e\u7a0b\u4e2d\uff0c\u5927\u81f4\u4e0a\u6703\u5206\u5169\u5927\u7bc4\u7587\u9032\u884c\u4fe1\u8cb8\u98a8\u96aa\u8a55\u4f30\uff0c\u5176\u4e00\u662f\u8861\u91cf\u95dc\u65bc\u7528\u4f5c\u62b5\u62bc\u7684\u6309\u63ed\u7269\u696d\uff0c\u4f8b\u5982\u662f\u7269\u696d\u7684\u5e02\u5834\u50f9\u503c\u3001\u6a13\u9f61\u3001\u8cea\u7d20\u3001\u696d\u6b0a\u72c0\u6cc1\u7b49\uff1b\u53e6\u4e00\u65b9\u9762\u662f\u8a55\u4f30\u6309\u63ed\u7533\u8acb\u4eba\u672c\u8eab\u7684\u8ca1\u52d9\u72c0\u6cc1\uff0c\u672c\u6587\u5148\u96c6\u4e2d\u8ac7\u53ca\u5f8c\u8005\u3002\u5c0d\u65bc\u501f\u6b3e\u4eba\u7684\u72c0\u6cc1\uff0c\u9280\u884c\u9996\u91cd\u8a55\u4f30\u5176\u9084\u6b3e\u80fd\u529b\uff0c\u5176\u6b21\u662f\u53ef\u9032\u884c\u4ea4\u53c9\u92b7\u552e\u7684\u6a5f\u6703\u53ca\u8207\u9280\u884c\u4e4b\u95dc\u4fc2\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\u8edf\u6b63\u9ed1\u9ad4\">\u4e00\u822c\u4f86\u8aaa\uff0c\u9280\u884c\u9700\u8a08\u7b97\u501f\u6b3e\u4eba\u7684\u4f9b\u6b3e\u4f54\u5165\u606f\u6bd4\u7387(<\/span><span style=\"font-family: \u5fae\u8edf\u6b63\u9ed1\u9ad4\">Debt-to-income ratio<\/span><span style=\"font-family: \u5fae\u8edf\u6b63\u9ed1\u9ad4\">, <\/span><span style=\"font-family: \u5fae\u8edf\u6b63\u9ed1\u9ad4\">\u7c21\u7a31<\/span><span style=\"font-family: \u5fae\u8edf\u6b63\u9ed1\u9ad4\">DTI<\/span><span style=\"font-family: \u5fae\u8edf\u6b63\u9ed1\u9ad4\">\u6bd4\u7387<\/span><span style=\"font-family: \u5fae\u8edf\u6b63\u9ed1\u9ad4\">)<\/span><span style=\"font-family: \u5fae\u8edf\u6b63\u9ed1\u9ad4\">\uff0c\u5373\u662f\u501f\u6b3e\u4eba\u6bcf\u6708\u7e3d\u50b5\u52d9\u4f9b\u6b3e\u984d\u4f54\u5165\u606f\u7684\u6bd4\u7387\uff0c\u57fa\u65bc\u6309\u63ed\u63aa\u65bd\u4e4b\u63a8\u51fa\uff0c\u76ee\u524dDTI\u6bd4\u7387\u4e4b\u8981\u6c42\u5df2\u8f03\u5f9e\u524d\u63d0\u9ad8\uff0c\u4ee5\u5f80\u53ea\u9700\u6bcf\u6708\u4f9b\u6b3e\u984d\u4e0d\u591a\u65bc\u5165\u606f\u4e4b\u4e00\u534a\uff0c\u73fe\u8a08\u53ca\u58d3\u529b\u6e2c\u8a66\u5f8c\uff0c\u82e5\u4ee525\u5e74\u671f\u8a08\uff0c\u6bcf\u6708\u7e3d\u4f9b\u6b3e\u984d\u4f54\u5165\u606f\u5df2\u4e0d\u53ef\u591a\u65bc43.6%\uff0c\u82e5\u5c6c\u65bc\u7b2c\u4e8c\u5957\u623f\u6309\u63ed\uff0c\u6b64\u6bd4\u7387\u518d\u9700\u4e0b\u8abf10\u500b\u767e\u5206\u9ede\u3002\u8a55\u4f30DTI\u6bd4\u7387\u7684\u540c\u6642\uff0c\u9280\u884c\u4ea6\u6703\u8861\u91cf\u501f\u6b3e\u4eba\u7684\u5de5\u4f5c\u6027\u8cea\u53ca\u5165\u606f\u7684\u7a69\u5b9a\u6027\uff0c\u4f8b\u5982\u501f\u6b3e\u4eba\u5c6c\u65bc\u5c08\u696d\u4eba\u58eb\u6216\u516c\u52d9\u54e1\uff0c\u53c8\u6216\u65bc\u73fe\u8077\u516c\u53f8\u5df2\u5de5\u4f5c\u6578\u5e74\uff0c\u6bcf\u6708\u5165\u606f\u7a69\u5b9a\uff0c\u9280\u884c\u5c07\u8996\u501f\u6b3e\u4eba\u70ba\u4fe1\u8cb8\u98a8\u96aa\u8f03\u4f4e\u4e4b\u5ba2\u6236\uff1b\u82e5\u7136\u501f\u6b3e\u4eba\u4e4b\u5165\u606f\u4e26\u975e\u56fa\u5b9a\uff0c\u4f8b\u5982\u662f\u4ee5\u8cfa\u53d6\u4f63\u91d1\u70ba\u4e3b\u7684\u71df\u92b7\u4ee3\u8868\u3001\u7684\u58eb\u53f8\u6a5f\u7b49\uff0c\u9280\u884c\u4e00\u822c\u8981\u6c42\u6700\u5c11\u9054\u534a\u5e74\u7684\u6536\u5165\u7d00\u9304\uff0c\u4ee5\u5176\u5e73\u5747\u6536\u5165\u8861\u91cf\u9084\u6b3e\u80fd\u529b\uff0c\u4e0d\u904e\u90e8\u4efd\u9280\u884c\u5c0d\u65bc\u975e\u56fa\u5b9a\u5165\u606f\u4eba\u58eb\u7684\u6309\u63ed\u7533\u8acb\u6703\u8f03\u70ba\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\u8edf\u6b63\u9ed1\u9ad4\">\u53e6\u5916\uff0c\u9280\u884c\u4ea6\u6703\u8003\u616e\u8207\u501f\u6b3e\u4eba\u4e4b\u95dc\u4fc2\uff0c\u4f8b\u5982\u501f\u6b3e\u4eba\u591a\u5e74\u4f86\u662f\u8a72\u9280\u884c\u7684\u5927\u984d\u5b58\u6b3e\u5ba2\u6236\uff0c\u4e26\u4e00\u76f4\u4f7f\u7528\u9280\u884c\u7684\u7522\u54c1\u53ca\u670d\u52d9\uff0c\u53c8\u6216\u6c7a\u5b9a\u65bc\u8a72\u9280\u884c\u958b\u8a2d\u51fa\u7ce7\u6236\u53e3\uff0c\u9019\u4e9b\u90fd\u6b63\u5728\u6216\u6e96\u5099\u8207\u9280\u884c\u5efa\u7acb\u9577\u9060\u7684\u5ba2\u6236\u95dc\u4fc2\uff0c\u9280\u884c\u4fbf\u9858\u610f\u63d0\u4f9b\u8f03\u4f73\u6a13\u6309\u512a\u60e0\u3002\u73fe\u6642\u6309\u63ed\u606f\u7387\u8655\u4f4e\u6c34\u5e73\uff0c\u5229\u6f64\u5fae\u8584\uff0c\u9280\u884c\u5341\u5206\u91cd\u8996\u6309\u63ed\u5ba2\u6236\u5e36\u4f86\u7684\u6f5b\u5728\u4ea4\u53c9\u92b7\u552e\u6a5f\u6703\uff0c\u6545\u6b64\u9ad8\u5165\u606f\u4e2d\u7522\u4eba\u58eb\u81ea\u7136\u7372\u9280\u884c\u8b58\u5225\u70ba\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\u8edf\u6b63\u9ed1\u9ad4\">\u5176\u6b21\uff0c\u501f\u6b3e\u4eba\u7684\u5e74\u9f61\u4ea6\u662f\u9280\u884c\u5be9\u6279\u6309\u63ed\u7684\u8003\u616e\u8981\u7d20\uff0c\u4ea6\u76f4\u63a5\u5f71\u97ff\u9280\u884c\u53ef\u6279\u51fa\u4e4b\u6309\u63ed\u5e74\u671f\uff0c\u56e0\u70ba\u9280\u884c\u9808\u8003\u616e\u501f\u6b3e\u4eba\u5c1a\u6709\u591a\u5c11\u5e74\u4fbf\u9054\u9000\u4f11\u5e74\u9f61\uff0c\u5c46\u6642\u672a\u5fc5\u6709\u5145\u8db3\u7684\u9084\u6b3e\u80fd\u529b\u3002<\/span><span style=\"font-family: \u5fae\u8edf\u6b63\u9ed1\u9ad4\">\u73fe\u6642\u9280\u884c\u4e00\u822c\u8a2d\u5b9a\u501f\u6b3e\u4eba\u5e74\u9f61\u8207\u4f9b\u6b3e\u5e74\u671f\u7e3d\u548c\u7684\u4e0a\u9650\u70ba<\/span><span style=\"font-family: \u5fae\u8edf\u6b63\u9ed1\u9ad4\">60<\/span><span style=\"font-family: \u5fae\u8edf\u6b63\u9ed1\u9ad4\">\u81f370<\/span><span style=\"font-family: \u5fae\u8edf\u6b63\u9ed1\u9ad4\">\u5e74\uff0c\u90e8\u4efd\u9ad8\u905475\u5e74\uff0c\u4f46\u6309\u63ed\u4f9b\u6b3e\u5e74\u671f\u4e0a\u9650\u70ba30\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\u8edf\u6b63\u9ed1\u9ad4\">\u9664\u4e0a\u8ff0\u5916\uff0c\u9280\u884c\u9084\u6703\u8003\u616e\u501f\u6b3e\u4eba\u7684\u4fe1\u8cb8\u8a55\u7d1a\u53ca\u7d00\u9304\uff0c\u76ee\u524d\u9280\u884c\u53c3\u8003\u7684\u4fe1\u8cb8\u5831\u544a\u5747\u7531\u4e00\u5bb6\u540d\u70ba\u300c\u74b0\u806fT<\/span><span style=\"font-family: \u5fae\u8edf\u6b63\u9ed1\u9ad4\">ransUnion<\/span><span style=\"font-family: \u5fae\u8edf\u6b63\u9ed1\u9ad4\">\u300d\u7684\u4fe1\u8cb8\u8cc7\u6599\u6a5f\u69cb\u63d0\u4f9b\uff0c\u6545\u6b64\u9280\u884c\u591a\u7c21\u7a31\u67e5\u95b1\u5ba2\u6236\u4fe1\u8cb8\u7d00\u9304\u70ba\u300c\u67e5<\/span><span style=\"font-family: \u5fae\u8edf\u6b63\u9ed1\u9ad4\">TU<\/span><span style=\"font-family: \u5fae\u8edf\u6b63\u9ed1\u9ad4\">\u300d<\/span><span style=\"font-family: \u5fae\u8edf\u6b63\u9ed1\u9ad4\">,<\/span><span style=\"font-family: \u5fae\u8edf\u6b63\u9ed1\u9ad4\">\u5831\u544a\u5167\u5bb9\u5305\u62ec\u90e8\u4efd\u500b\u4eba\u8cc7\u6599\u3001\u4fe1\u8cb8\u8cec\u6236\u8cc7\u6599\u3001\u4fe1\u8cb8\u984d\u53ca\u9084\u6b3e\u7d00\u9304(\u5305\u62ec\u79c1\u4eba\u8cb8\u6b3e\u3001\u7a05\u52d9\u8cb8\u6b3e\u3001\u5206\u671f\u4ed8\u6b3e\u3001\u4fe1\u7528\u5361\u7d50\u6b20\u3001\u6c7d\u8eca\u8cb8\u6b3e\u53ca\u79df\u8cfc\u8cb8\u6b3e\u7b49)\uff0c\u81ea2011\u5e744\u6708\u8d77\u4ea6\u5df2\u9010\u6b65\u5305\u62ec\u6309\u63ed\u5b97\u6578\u53ca\u662f\u5426\u5df2\u7d50\u675f\u4e4b\u57fa\u672c\u72c0\u6cc1\u7b49\u3002\u53e6\u5916\uff0cTU\u5831\u544a\u4ea6\u5305\u62ec\u903e\u671f\u9084\u6b3e\u4e4b\u8ca0\u9762\u7d00\u9304\uff0c\u4ee5\u53ca\u4e00\u4e9b\u516c\u773e\u7d00\u9304\u5982<\/span><span style=\"font-family: \u5fae\u8edf\u6b63\u9ed1\u9ad4\">\u50b5\u52d9\u8ffd\u8a0e\u3001\u7834\u7522\u53ca\u6e05\u76e4\u8a34\u8a1f\u7533\u8acb\u3002\u5831\u544a\u5167\u6982\u62ec\u8a2d\u6709\u4e00\u500b\u4fe1\u8cb8\u8a55\u5206\uff0c\u5206A\u81f3J\u5171\u5341\u500b\u7d1a\u5225\uff0c\u4ee5\u4f30\u8a08\u501f\u6b3e\u4eba\u5728\u672a\u4f8612\u500b\u6708\u5c65\u884c\u9084\u6b3e\u8cac\u4efb\u7684\u6a5f\u6703\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\u8edf\u6b63\u9ed1\u9ad4\">\u5982\u679c\u8cb8\u6b3e\u4eba\u64c1\u6709\u826f\u597d\u7684\u4fe1\u8cb8\u8a55\u5206\u53ca\u7d00\u9304\uff0c\u4e00\u822c\u53ef\u7372\u9280\u884c\u6279\u51fa\u5e02\u5834\u4e0a\u8f03\u512a\u60e0\u7684\u6309\u63ed\u606f\u7387\u53ca\u689d\u6b3e\u3002\u8981\u5efa\u7acb\u512a\u826f\u7684\u4fe1\u8cb8\u7b49\u7d1a\uff0c\u990a\u6210\u6e96\u6642\u9084\u6b3e\u7684\u7fd2\u6163\u662f\u76f8\u7576\u91cd\u8981\uff0c\u4e00\u65e6\u62d6\u6b20\u6b3e\u9805\u8d85\u904e60\u5929\uff0c\u6709\u95dc\u8ca0\u9762\u7d00\u9304\u4fbf\u9700\u4fdd\u75595\u5e74\uff0c\u5927\u5927\u5f71\u97ff\u4fe1\u8cb8\u8a55\u7d1a\u3002\u53e6\u5916\u4ea6\u9700\u6ce8\u610f\u4e0d\u8981\u904e\u5ea6\u501f\u8cb8\u3001\u53c8\u6216\u7533\u8acb\u904e\u591a\u4fe1\u7528\u5361\u53ca\u7a4d\u7d2f\u904e\u591a\u5361\u6578\uff0c\u4e26\u61c9\u5b9a\u671f\u81ea\u884c\u67e5\u95b1\u4fe1\u8cb8\u7d00\u9304\uff0c\u7576\u767c\u73fe\u4fe1\u8cb8\u5831\u544a\u5167\u7684\u8cc7\u6599\u6709\u4e0d\u6b63\u78ba\u6642\uff0c\u4fbf\u61c9\u4e3b\u52d5\u5411\u300c\u74b0\u806f\u300d\u8981\u6c42\u4fee\u6b63\u3002<\/span><span style=\"font-family: \u5fae\u8edf\u6b63\u9ed1\u9ad4\">\u7e3d\u62ec\u800c\u8a00\uff0c\u82e5\u7136\u501f\u6b3e\u4eba\u4e4b\u5de5\u4f5c\u53ca\u5165\u606f\u7a69\u5b9a\u3001\u8ca1\u52d9\u72c0\u6cc1\u826f\u597d\uff0cDTI\u6bd4\u7387\u8655\u504f\u4f4e\u5065\u5eb7\u6c34\u5e73\u3001\u4ee5\u53ca\u4fe1\u8cb8\u7d00\u9304\u512a\u826f\uff0c\u9280\u884c\u5411\u501f\u6b3e\u4eba\u6279\u51fa\u5e02\u5834\u4e0a\u6700\u512a\u60e0\u4e4b\u6309\u63ed\u606f\u7387\u53ca\u689d\u6b3e\u6a5f\u6703\u4fbf\u8f03\u9ad8\u3002<\/span><\/span><\/span><\/span><\/div>\n<div style=\"text-align: right; 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