{"id":6443,"date":"2008-01-04T17:28:00","date_gmt":"2008-01-04T09:28:00","guid":{"rendered":"https:\/\/www.house730.com\/news\/?p=6443"},"modified":"2020-11-30T10:07:13","modified_gmt":"2020-11-30T02:07:13","slug":"%e6%93%b4%e5%a4%a7%e4%bf%9d%e9%9a%aa%e8%a8%88%e5%8a%83%e7%84%a1%e5%8a%a9%e7%82%92%e9%a2%a8","status":"publish","type":"post","link":"https:\/\/www.house730.com\/news\/6443\/%e6%93%b4%e5%a4%a7%e4%bf%9d%e9%9a%aa%e8%a8%88%e5%8a%83%e7%84%a1%e5%8a%a9%e7%82%92%e9%a2%a8\/","title":{"rendered":"\u64f4\u5927\u4fdd\u96aa\u8a08\u5283\u7121\u52a9\u7092\u98a8"},"content":{"rendered":"
\n

\u9999\u6e2f\u6309\u63ed\u8b49\u5238\u6709\u9650\u516c\u53f8<\/span>(HKMC)<\/font><\/span>\u6700\u8fd1\u64f4\u5927\u6309\u63ed\u4fdd\u96aa\u8a08\u5283\uff0c\u70ba\u6295\u8cc7\u51fa\u79df\u7269\u696d\u63d0\u4f9b\u6309\u63ed\u4fdd\u96aa\u8cb8\u6b3e\u7522\u54c1\uff0c\u5e02\u5834\u6709\u6279\u8a55\u8a8d\u70ba\u65b0\u7522\u54c1\u6703\u52a9\u9577\u6a13\u5e02\u7092\u98a8\uff0c\u7b46\u8005\u5247\u6301\u4e0d\u540c\u4e4b\u610f\u898b\u3002<\/span><\/span><\/o:p><\/span><\/font><\/p>\n

 <\/o:p><\/font><\/font><\/span><\/p>\n

\u88ab\u8feb\u56de\u61c9\u5e02\u5834\u4e4b\u9700\u8981<\/span><\/o:p><\/span><\/font><\/p>\n

HKMC<\/font><\/span>\u4eca\u6b21\u63a8\u51fa\u4e4b\u7522\u54c1\uff0c\u4e26\u975e\u5176\u9996\u5275\uff0c\u4e8b\u95dc\u6e23\u6253\u9280\u884c\u5df2\u65bc\u53bb\u5e74\u4e94\u6708\uff0c\u806f\u540c\u5176\u4ed6\u6309\u63ed\u4fdd\u96aa\u516c\u53f8\uff0c\u5c07\u6309\u4fdd\u7bc4\u570d\u63d0\u4f9b\u81f3\u9023\u79df\u7d04\u7269\u696d\uff0c\u800c<\/span>HKMC<\/font><\/span>\u9023\u540c\u4e09\u5341\u591a\u9593\u91d1\u878d\u6a5f\u69cb\u4e4b\u6309\u63ed\u4fdd\u96aa\u8a08\u5283\uff0c\u4e00\u5411\u5c6c\u5e02\u5834\u4e4b\u9818\u5c0e\u8005\uff0c\u7121\u7406\u7531\u8b93\u5176\u552f\u4e00\u4e4b\u7af6\u722d\u5c0d\u624b<\/span>(<\/font><\/span>\u6e23\u6253\u53ca\u76f8\u95dc\u6309\u63ed\u4fdd\u96aa\u516c\u53f8<\/span>)<\/font><\/span>\u5728\u5e02\u5834\u7368\u5bb6\u63d0\u4f9b\u6309\u63ed\u4fdd\u96aa\u8cb8\u6b3e\u7522\u54c1\uff0c\u6545\u7b46\u8005\u8a8d\u70ba\u4eca\u6b21<\/span>HKMC<\/font><\/span>\u4e4b“\u65b0\u7337”\uff0c\u6839\u672c\u5c31\u662f\u56de\u61c9\u5e02\u5834\u9700\u8981\uff0c\u4e0d\u8b93\u5176\u7af6\u722d\u8005\u5c0a\u7f8e\u3002<\/span><\/font><\/p>\n

 <\/o:p><\/font><\/font><\/span><\/p>\n

\u4f9d\u9084\u6b3e\u80fd\u529b\u6279\u51fa\u8cb8\u6b3e<\/span><\/o:p><\/span><\/font><\/p>\n

\u7531\u65bc\u9023\u79df\u7d04\u4e4b\u6309\u63ed\u4fdd\u96aa\u8a08\u5283\uff0c\u5176\u4e0a\u9650\u8a02\u65bc<\/span>800<\/font><\/span>\u842c\u5143\uff0c\u53c8\u6216\u6a13\u50f9\u4f30\u503c<\/span>\/<\/font><\/span>\u6210\u4ea4\u50f9<\/span>(<\/font><\/span>\u4ee5\u4f4e\u8005\u70ba\u6e96<\/span>)<\/font><\/span>\u4e4b<\/span>85%<\/font><\/span>\uff0c\u6709\u8208\u8da3\u4e4b\u7f6e\u696d\u8005\u5148\u8981\u5132\u6709<\/span>15%<\/font><\/span>\u4e4b\u9996\u671f\uff0c\u800c\u8cb8\u6b3e\u4e4b\u6279\u6838\u4ea6\u4e0d\u5f97\u8d85\u904e<\/span>50%<\/font><\/span>\u300c\u5165\u606f\u8207\u4f9b\u6b3e\u6bd4\u7387\u300d<\/span>(Debt-To-Income Ratio, DTI)<\/font><\/span>\u4e4b\u9650\u5236\u3002<\/span><\/font><\/p>\n

 <\/o:p><\/font><\/font><\/span><\/p>\n

\u63db\u53e5\u8a71\u8aaa\uff0c\u5373\u4f7f\u7533\u8acb\u4eba\u6709\u9996\u671f\uff0c<\/span>DTI<\/font><\/span>\u8d85\u904e<\/span>50%<\/font><\/span>\u8005\uff0c\u4ea6\u6703\u6279\u4e0d\u8db3<\/span>(<\/font><\/span>\u751a\u6216\u6279\u4e0d\u5230<\/span>)<\/font><\/span>\u8cb8\u6b3e\u3002<\/span>\u96d6\u7136\u6709\u95dc\u7522\u54c1\u5bb9\u8a31\u5c07\u6bcf\u6708\u79df\u91d1\u4e4b<\/span>70%<\/font><\/span>\u8a08\u7b97\u5728<\/span>DTI<\/font><\/span>\u4e4b“\u5165\u606f”\u5167\uff0c\u4f46\u7533\u8acb\u4eba\u76ee\u524d\u5c45\u6240\u4e4b\u79df\u91d1\u6216\u6309\u63ed\u4f9b\u6b3e\u540c\u6642\u4ea6\u8981\u8a08\u5165“\u4f9b\u6b3e”\u5167\uff0c\u6545\u6536\u5165\u4e0d\u9ad8\u4e4b\u4eba\u58eb\uff0c\u6839\u672c\u5c31\u7121\u6cd5\u900f\u904e\u662f\u9805\u6309\u63ed\u4fdd\u96aa\u8a08\u5283\u8cb7\u6a13\u6536\u79df\u3002<\/span><\/font><\/p>\n

 <\/o:p><\/font><\/font><\/span><\/p>\n

\u6709\u52a9\u63d0\u65e9\u8cb7\u6a13\u6536\u79df<\/span><\/o:p><\/span><\/font><\/p>\n

\u50b3\u7d71\u8cb7\u6a13\u6536\u79df\u696d\u4e3b\uff0c\u5927\u591a\u6578\u6709\u5145\u88d5\u73fe\u91d1\uff0c\u672c\u4f86\u5c31\u4e0d\u9700\u8981\u6309\u63ed\u8cb8\u6b3e\uff0c\u90e8\u4efd\u5373\u4f7f\u6709\u501f\u8cb8\u9700\u8981\uff0c\u6309\u63ed\u6210\u6578\u4ea6\u504f\u4f4e\uff0c\u6545\u9280\u884c\u4e00\u5411\u6709\u6279\u51fa\u4e03\u6210\u4ee5\u5167\u4e4b\u6309\u63ed\u8cb8\u6b3e\u4f9b\u4eba\u5ba2\u8cb7\u6a13\u6536\u79df\uff0c\u4eca\u6b21<\/span>HKMC<\/font><\/span>\u63a8\u51fa\u6700\u9ad8\u516b\u6210\u534a\u4e4b\u6309\u63ed\u4fdd\u96aa\u8cb8\u6b3e\u4e88\u8cb7\u6a13\u6536\u79df\u696d\u4e3b\uff0c\u5176\u5be6\u7957\u662f\u9f13\u52f5\u6295\u8cc7\u8005\u63d0\u65e9\u5165\u5e02\uff0c\u4e8b\u95dc\u8cb7\u6a13\u6536\u79df\u6700\u4f4e\u9650\u5ea6\u4e4b\u9996\u671f\uff0c\u7531\u904e\u53bb\u6a13\u50f9“\u4e09\u6210”\uff0c\u6e1b\u4f4e\u81f3“\u6210\u534a”\uff0c\u53c8\u6216\u4ee5\u540c\u7b49\u91d1\u984d\u4e4b\u9996\u671f\uff0c\u7531\u904e\u53bb\u6700\u591a\u4e4b\u4e03\u6210\u501f\u8cb8\uff0c\u63d0\u9ad8\u81f3\u516b\u6210\u534a\u6309\u63ed\uff0c\u6709\u52a9\u6295\u8cc7\u8005\u8cfc\u5165\u8f03\u5927\u4e4b\u6536\u79df\u7269\u696d\uff1b\u53e6\u65b9\u9762\uff0c\u56e0\u7d93\u6fdf\u80fd\u529b\u63d0\u5347<\/span>(<\/font><\/span>\u5982\u5165\u606f\u589e\u52a0<\/span>)<\/font><\/span>\u800c\u6709\u689d\u4ef6\u63db\u5927\u6a13\u81ea\u7528\u4e4b\u696d\u4e3b\uff0c\u4ea6\u53ef\u8003\u616e\u4e0d\u63db\u6a13\uff0c\u6539\u7531\u900f\u904e<\/span>HKMC<\/font><\/span>\u4e4b\u65b0\u7522\u54c1\uff0c\u591a\u8cb7\u4e00\u500b\u6536\u79df\u7269\u696d\u3002<\/span><\/font><\/p>\n

 <\/o:p><\/font><\/font><\/span><\/p>\n

\u6574\u9ad4\u800c\u8a00\uff0c\u7b46\u8005\u4e0d\u8a8d\u540c\u65b0\u8a08\u5283\u6703\u52a9\u9577\u6a13\u5e02\u7092\u98a8\uff0c\u4e8b\u95dc\u8a72\u8a08\u5283\u8a2d\u6709<\/span>DTI<\/font><\/span>\u9580\u6abb\uff0c\u4e0d\u6703\u5c0e\u81f4\u666e\u7f85\u5927\u773e\u96a8\u610f\u53d6\u7528\uff0c\u53cd\u800c\u5c0d\u6536\u5165\u689d\u4ef6\u8f03\u4f73\u4e4b\u4eba\u58eb\uff0c\u63d0\u4f9b\u7d30\u6a13\u63db\u5927\u6a13\u4ee5\u5916\u4e4b\u9078\u64c7\ufe30\u8cb7\u6a13\u6536\u79df\u3002<\/span><\/o:p><\/span><\/font><\/p>\n

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

...<\/p>\n","protected":false},"author":10173,"featured_media":706443,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[910125],"tags":[],"new_properties":[],"class_list":["post-6443","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-910125"],"acf":[],"aioseo_notices":[],"lang":"zh","translations":{"zh":6443,"cn":506443},"pll_sync_post":[],"_links":{"self":[{"href":"https:\/\/www.house730.com\/news\/wp-json\/wp\/v2\/posts\/6443"}],"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=6443"}],"version-history":[{"count":0,"href":"https:\/\/www.house730.com\/news\/wp-json\/wp\/v2\/posts\/6443\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.house730.com\/news\/wp-json\/wp\/v2\/media\/706443"}],"wp:attachment":[{"href":"https:\/\/www.house730.com\/news\/wp-json\/wp\/v2\/media?parent=6443"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.house730.com\/news\/wp-json\/wp\/v2\/categories?post=6443"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.house730.com\/news\/wp-json\/wp\/v2\/tags?post=6443"},{"taxonomy":"new_properties","embeddable":true,"href":"https:\/\/www.house730.com\/news\/wp-json\/wp\/v2\/new_properties?post=6443"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}