{"id":6464,"date":"2007-08-10T11:28:00","date_gmt":"2007-08-10T03:28:00","guid":{"rendered":"https:\/\/www.house730.com\/news\/?p=6464"},"modified":"2020-11-30T10:07:23","modified_gmt":"2020-11-30T02:07:23","slug":"%e7%a0%b4%e7%94%a2%e4%bb%a4%e9%81%8e%e5%be%8c%e6%9c%89%e6%a9%9f%e6%9c%83%e7%94%b3%e8%ab%8b%e6%8c%89%e6%8f%ad%e5%97%8e","status":"publish","type":"post","link":"https:\/\/www.house730.com\/news\/6464\/%e7%a0%b4%e7%94%a2%e4%bb%a4%e9%81%8e%e5%be%8c%e6%9c%89%e6%a9%9f%e6%9c%83%e7%94%b3%e8%ab%8b%e6%8c%89%e6%8f%ad%e5%97%8e\/","title":{"rendered":"\u7834\u7522\u4ee4\u904e\u5f8c\u6709\u6a5f\u6703\u7533\u8acb\u6309\u63ed\u55ce\uff1f"},"content":{"rendered":"
\n

\u672c \u6e2f \u7d93 \u6fdf \u8fd1 \u5e74 \u5df2 \u9010 \u6b65 \u6539 \u5584 \uff0c \u4e0d \u5c11 \u5728 \u96f6 \u4e09 \u5e74 \u6216 \u4ee5 \u524d \u9996 \u6b21 \u7834 \u7522\u4eba \u58eb \uff0c \u5728 \u7834 \u7522 \u4ee4 \u767c \u51fa \u6eff <\/span>4<\/span>\u5e74 \u5f8c \u4e4b \u4eca \u5929 \uff0c \u5176 \u5be6 \u4e0d \u9700 \u5411 \u6cd5 \u9662 \u63d0 \u51fa \u7533 \u8acb \uff0c \u4ea6 \u53ef \u81ea \u52d5 \u7372 \u89e3 \u9664 \u7834 \u7522 \uff0c \u7a76 \u7adf \u4ed6 \u5011 \u5728 \u4eca \u5929 \u7d93 \u6fdf \u53ca \u6a13 \u5e02 \u88ab \u770b \u597d \u4e4b \u60c5 \u6cc1 \u4e0b \uff0c \u662f \u5426 \u6709 \u689d \u4ef6 \u900f \u904e \u501f \u53d6\u6309 \u63ed \u8cb8 \u6b3e \u800c \u518d \u6b21 \u6210 \u70ba \u696d \u4e3b \u5462 \uff1f <\/o:p><\/span><\/span><\/span><\/font><\/font><\/p>\n

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

\u9084 \u6b3e \u80fd \u529b \u53ca \u610f \u5716 \u5c24 \u70ba \u91cd \u8981 <\/o:p><\/span><\/font><\/font><\/span><\/p>\n

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

\u9280 \u884c \u5728 \u6279 \u51fa \u6309 \u63ed \u8cb8 \u6b3e \u6642 \uff0c \u4e00 \u822c \u6703 \u7279 \u5225 \u95dc \u6ce8 \u4eba \u5ba2 \u4e4b <\/span>(1)<\/span>\u76ee \u524d \u9084 \u6b3e \u80fd \u529b \uff1b \u53ca <\/span>(2)<\/span>\u672a \u4f86 \u9084 \u6b3e \u610f \u5716 \u3002 <\/o:p><\/span><\/span><\/font><\/font><\/p>\n

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

\u8981 \u5206 \u6790 \u6309 \u63ed \u7533 \u8acb \u4eba \u4e4b \u76ee \u524d \u9084 \u6b3e \u80fd \u529b \uff0c \u9280 \u884c \u9996 \u5148 \u6703 \u8a08 \u7b97 \u6309 \u63ed\u8cb8 \u6b3e \u7533 \u8acb \u4eba \u4e4b \u300c \u50b5 \u52d9 \u4f9b \u6b3e \u5c0d \u5165 \u606f \u6bd4 \u7387 \u300d <\/span>(Debt-To-Income Ratio, <\/span>\u5373 <\/span>DTI)<\/span>\uff0c \u901a \u5e38 \u4ee5 <\/span>50%<\/span>\u70ba \u9650 \u3002 \u66fe \u7d93 \u7834 \u7522 \u4eba \u58eb \u800c \u53c8\u6062 \u5fa9 \u81ea \u7531 \u8eab \u8005 \uff0c \u7957 \u8981 \u4ed6 \u5011 \u6709 \u7a69 \u5b9a \u5165 \u606f \uff0c \u4e14 \u5176 \u4ed6 \u501f \u8cb8 \u4e0d \u591a \uff0c \u8981 \u5728 <\/span><\/span>DTI<\/span>\u904e \u95dc \uff0c \u4e26 \u975e \u96e3 \u4e8b \uff0c \u5927 \u4e0d \u4e86 \u662f \u91cf \u529b \u800c \u70ba \uff0c \u6539 \u8cb7 \u8f03 \u7d30 \u9762 \u7a4d \u4e4b \u55ae \u4f4d \u3001 \u5c11 \u501f \u6309 \u63ed \u3001 \u53c8\u6216 \u62c9 \u9577 \u9084 \u6b3e \u671f \u3002 <\/span>\u57fa \u6b64 \uff0c \u6309 \u63ed \u7533 \u8acb \u4eba \u904e \u5f80 \u6709 \u5426\u7834 \u7522 \uff0c \u5c0d <\/span>DTI<\/span>\u8a08\u7b97 \u4e26 \u4e0d \u91cd \u8981 \uff0c \u53cd \u800c \u662f \u4eba \u5ba2 \u7576 \u524d \u6536 \u5165 \u4e4b \u7a69 \u5b9a \u6027 \uff0c \u53c8 \u6216 \u6709 \u5426 \u5176 \u5b83 \u8ca0 \u50b5 \uff0c \u6703 \u662f \u8a08 \u7b97 <\/span>DTI<\/span>\u4e4b \u91cd \u8981 \u8003 \u616e \u3002 <\/o:p><\/span><\/span><\/font><\/font><\/p>\n

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

\u8ac7 \u5230 \u4eba \u5ba2 \u4e4b \u672a \u4f86 \u9084 \u6b3e \u610f \u5716 \uff0c \u7406 \u8ad6 \u4e0a \u66fe \u7d93 \u7834 \u7522 \u4e4b \u4eba \u58eb \uff0c \u7531 \u65bc\u5df2 \u6709 \u300c \u6b20 \u50b5 \u4e0d \u9084 \u300d \u4e4b <\/span>“<\/span> \u524d \u79d1 <\/span>”<\/span> \uff0c \u5728 \u672a \u4f86 \u9084 \u6b3e \u610f \u5716 \u65b9 \u9762 \u4e0d \u53ca \u672a \u66fe \u7834 \u7522 \u8005 \u9ad8 \u5206 \uff0c \u6545 \u904e \u5f80 \u9280 \u884c \u8f03 \u5bb9 \u6613 \u5438 \u7d0d \u6309 \u63ed \u8cb8 \u6b3e\u696d \u52d9 \u6642 \uff0c \u6839 \u672c \u4e0d \u6703 \u63a5 \u53d7 \u66fe \u7d93 \u7834 \u7522 \u8005 \u7533 \u8acb \u6309 \u63ed \u3002 \u4f46 \u5728 \u4eca \u65e5 \u6309 \u63ed \u7af6 \u722d \u6fc0 \u70c8 \u4e4b \u74b0 \u5883 \uff0c \u70ba \u6c42 \u9054 \u81f3 \u696d \u7e3e\u6307 \u6a19 \uff0c \u90e8 \u4efd \u66fe \u7d93 \u7834 \u7522 \u4eba \u58eb \uff0c \u5018 \u5df2 \u6062 \u5fa9 \u6e05 \u767d \u4e4b \u8eab \uff0c \u4e14 \u6709 \u7a69 \u5b9a \u5165 \u606f \uff0c \u53ef \u80fd \u4ea6 \u662f \u500b \u5225 \u9280 \u884c \u4e4b \u5ba2 \u6236 \u7f85\u81f4 \u5c0d \u8c61 \u3002 <\/o:p><\/span><\/font><\/font><\/p>\n

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\u4e8b \u5be6 \u4e0a \uff0c \u70ba \u5118 \u91cf \u722d \u53d6 \u6309 \u63ed \u751f \u610f \uff0c \u73fe \u6642 \u5404 \u9280 \u884c \u6c92 \u6709 \u660e \u78ba \u8072 \u660e\uff0c \u4e00 \u5b9a \u62d2 \u7d55 \u66fe \u7d93 \u7834 \u7522 \u8005 \u7533 \u8acb \u6309 \u63ed \uff0c \u4f46 \u7531 \u65bc \u4ed6 \u5011 \u6709 \u7834 \u7522 <\/span>“<\/span> \u524d \u79d1 <\/span>”<\/span> \uff0c \u6279 \u51fa \u6309 \u63ed \u8cb8 \u6b3e \u4e88 \u4ed6 \u5011 \uff0c \u6703 \u5bb3 \u6015 \u4ed6 \u5011 \u65e5 \u5f8c \u518d\u7834 \u7522 \u800c \u4ee4 \u9280 \u884c \u53d7 \u640d \uff0c \u5230 \u6642 \u4e0a \u5c64 \u81ea \u7136 \u8cac \u554f \u539f \u56e0 \uff0c \u53ef \u80fd \u8981 \u300c \u80cc \u9ed1 \u944a \u300d \u3002 \u4f46 \u96a8 \u610f \u62d2 \u7d55 \u4ed6 \u5011 \uff0c \u53c8 \u64d4 \u5fc3 \u6703 \u5931 \u53bb \u751f \u610f \uff0c \u6545 \u8655 \u7406 \u66fe \u7d93 \u7834 \u7522 \u800c \u53c8 \u6062 \u5fa9 \u81ea\u7531 \u8eab \u4eba \u5ba2 \u4e4b \u6309 \u63ed \u7533 \u8acb \uff0c \u4f3c \u4e4e \u662f \u9280 \u884c \u6279 \u6838 \u90e8 \u9580 \u6253 \u5de5 \u4e00 \u65cf \u4e4b \u982d \u75db \u554f \u984c \u3002 <\/o:p><\/span><\/span><\/font><\/font><\/p>\n

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

\u9280 \u884c \u754c \u672a \u6709 \u6e96 \u5247 \u8655 \u7406 <\/o:p><\/span><\/font><\/font><\/span><\/p>\n

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\u5176 \u5be6 \u61c9 \u5426 \u63a5 \u53d7 \u66fe \u7d93 \u7834 \u7522 \u4eba \u58eb \u4e4b \u6309 \u63ed \u7533 \u8acb \uff0c\u5c6c \u54f2 \u7406 \u6027 \u4e4b \u8003 \u616e \uff0c \u7b49 \u540c \u61c9 \u5426 \u7d66 \u4e88 \u66fe \u7d93 \u72af \u6cd5 \u800c \u5211 \u6eff \u51fa \u7344 \u8005 \u4e00 \u500b \u300c \u66f4 \u751f \u300d \u6a5f \u6703 \u3002 <\/span>\u4e00 \u65b9 \u9762 \u9280 \u884c \u4e0d \u61c9 \u6b67 \u8996 \u66fe \u7d93 \u7834 \u7522 \u4eba \u58eb \uff0c \u53e6 \u65b9 \u9762 \u4e0d \u80fd \u4e0d \u9632 \u7bc4 \u56e0\u4ed6 \u5011 \u65e5 \u5f8c \u518d \u7834 \u7522 \u800c \u5c0e \u81f4 \u9280 \u884c \u53d7 \u640d \u3002 \u6240 \u8b02 \u5728 \u5546 \u8a00 \u5546 \uff0c \u6211 \u5011 \u5f88 \u96e3 \u8981 \u6c42 \u9280 \u884c \u6709 \u6148 \u5584 \u5718 \u9ad4 \u5e6b \u52a9 \u5211 \u6eff \u51fa\u7344 \u8005 \u822c \u5584 \u5fc3 \uff0c \u53bb \u8944 \u52a9 \u5df2 \u6062 \u5fa9 \u81ea \u7531 \u8eab \u4e4b \u7834 \u7522 \u4eba \u58eb \u3002 \u6545 \u6b64 \uff0c \u76ee \u524d \u9280 \u884c \u754c \u5c0d \u66fe \u7d93 \u7834 \u7522 \u8005 \u7533 \u8acb \u6309 \u63ed \uff0c\u6700 \u7d42 \u9084 \u662f \u6c92 \u6709 \u65e2 \u5b9a \u653f \u7b56 \uff0c \u7957 \u6709 \u6309 \u500b \u5225 \u60c5 \u6cc1 \u8655 \u7406 \u3002 <\/o:p><\/span><\/span><\/font><\/font><\/p>\n

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\u6309 \u5e02 \u5834 \u8cc7 \u6599 \u53cd \u6620 \uff0c \u90e8 \u4efd \u9280 \u884c \u7531 \u65bc \u8f03 \u8b1b \u7a76 \u5236 \u5ea6 \u53ca \u65e2 \u8a02 \u653f \u7b56 \uff0c\u6545 \u5728 \u73fe \u968e \u6bb5 \u63a5 \u53d7 \u66fe \u7d93 \u7834 \u7522 \u8005 \u7533 \u8acb \u6309 \u63ed \u4e4b \u6a5f \u6703 \u8f03 \u5fae \uff0c \u4f46 \u540c \u6642 \u958b \u59cb \u4ea6 \u6709 \u5c11 \u6578 \u9280 \u884c \uff0c \u7531 \u65bc \u8655 \u65bc \u8f03 \u5f31\u4e4b \u7af6 \u722d \u5f62 \u52e2 \uff0c \u53c8 \u6216 \u60f3 \u6025 \u8d77 \u591a \u505a \u6309 \u63ed \u751f \u610f \uff0c \u5b83 \u5011 \u8f03 \u9858 \u610f \u6309 \u500b \u5225 \u60c5 \u6cc1 \u8003 \u616e \uff0c \u6279 \u51fa \u6309 \u63ed \u4e88 \u66fe \u7d93 \u7834 \u7522\u8005 \uff0c \u4f46 \u7576 \u4e2d \u4ecd \u6709 \u4e0d \u5c11 \u9650 \u5236 \uff0c \u4f8b \u5982 \u7269 \u696d \u5fc5 \u9808 \u7528 \u4f5c \u81ea \u4f4f \u3001 \u8cb8 \u6b3e \u984d \u4e00 \u5b9a \u4e0d \u80fd \u8d85 \u8d8a \u6a13 \u50f9 \u4e03 \u6210 <\/span>(<\/span>\u4e8b \u95dc \u4e03 \u6210 \u4ee5 \u4e0a \u4e4b \u6309 \u63ed \u8cb8 \u6b3e \u591a \u6578\u6703 \u88ab \u7d0d \u5165 \u6279 \u6838 \u8f03 \u56b4 \u8b39 \u4e4b \u300c \u6309 \u63ed \u4fdd \u96aa \u8a08 \u5283 \u300d <\/span>)<\/span>\u3001 \u501f \u8cb8 \u6210 \u6578 \u504f \u4f4e \u8005 \u8f03 \u6613 \u7372 \u5f97 \u6279 \u6838 \u3001 \u53c8 \u6216 \u4eba \u5ba2 \u4e4b \u6536 \u5165 \u8981 \u7a69 \u5b9a\u3001 <\/span>DTI<\/span>\u5c11 \u65bc <\/span>40%<\/span>\u8005 \u70ba \u4f73 \u3002 \u6700 \u5f8c \uff0c \u501f \u8cb8 \u9280 \u78bc \u4ea6\u4e0d \u5b9c \u592a \u9ad8 \uff0c \u4e00 \u822c \u7957 \u9650 \u65bc <\/span>$500<\/span>\u842c \u4ee5 \u5167 \u3002<\/span><\/font><\/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":706464,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[910125],"tags":[],"new_properties":[],"class_list":["post-6464","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-910125"],"acf":[],"aioseo_notices":[],"lang":"zh","translations":{"zh":6464,"cn":506464},"pll_sync_post":[],"_links":{"self":[{"href":"https:\/\/www.house730.com\/news\/wp-json\/wp\/v2\/posts\/6464"}],"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=6464"}],"version-history":[{"count":0,"href":"https:\/\/www.house730.com\/news\/wp-json\/wp\/v2\/posts\/6464\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.house730.com\/news\/wp-json\/wp\/v2\/media\/706464"}],"wp:attachment":[{"href":"https:\/\/www.house730.com\/news\/wp-json\/wp\/v2\/media?parent=6464"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.house730.com\/news\/wp-json\/wp\/v2\/categories?post=6464"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.house730.com\/news\/wp-json\/wp\/v2\/tags?post=6464"},{"taxonomy":"new_properties","embeddable":true,"href":"https:\/\/www.house730.com\/news\/wp-json\/wp\/v2\/new_properties?post=6464"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}