{"id":742,"date":"2025-12-28T06:38:03","date_gmt":"2025-12-27T21:38:03","guid":{"rendered":"https:\/\/www.jcbo.org\/?p=742"},"modified":"2026-02-11T21:09:25","modified_gmt":"2026-02-11T12:09:25","slug":"%e6%97%a5%e6%9c%ac%e7%89%a9%e4%bb%b6%e5%90%91%e3%81%91%e4%bd%8f%e5%ae%85%e3%83%ad%e3%83%bc%e3%83%b3%e5%95%86%e5%93%81-%e2%96%a0%e9%9d%9e%e5%b1%85%e4%bd%8f%e8%80%85%e5%80%8b%e4%ba%ba%e5%90%91%e3%81%91","status":"publish","type":"post","link":"https:\/\/www.jcbo.org\/?p=742","title":{"rendered":"\u65e5\u672c\u7269\u4ef6\u5411\u3051\u4f4f\u5b85\u30ed\u30fc\u30f3\u5546\u54c1 \u25a0\u975e\u5c45\u4f4f\u8005\u500b\u4eba\u5411\u3051"},"content":{"rendered":"

\u65e5\u672c\u7269\u4ef6\u5411\u3051\u4f4f\u5b85\u30ed\u30fc\u30f3\u5546\u54c1 \u25a0\u975e\u5c45\u4f4f\u8005\u500b\u4eba\u5411\u3051<\/h3>\n
\n\t

\u65e5\u672c\u7269\u4ef6\u5411\u3051\u4f4f\u5b85\u30ed\u30fc\u30f3\u5546\u54c1<\/h2>\n

\uff0a\uff0a\uff0a\uff0a\uff0a\uff0a\uff0a\uff0a\uff0a\uff0a\uff0a\uff0a\uff0a\uff0a\uff0a\uff0a\uff0a\uff0a\uff0a\uff0a<\/p>\n

\ud83d\udccc \u5229\u7387<\/h3>\n
    \n
  • \n

    \u5229\u7387\uff1a4.10%\uff08\u6d6e\u52a8\uff09<\/strong>
    \u203bTIBOR 0.60% + \u5229\u5dee 3.50%\uff08\u622a\u81f32025\u5e749\u67082\u65e5\uff09<\/p>\n<\/li>\n<\/ul>\n

    \n

    \ud83d\udccc \u8d37\u6b3e\u5bf9\u8c61<\/h3>\n
      \n
    • \n

      \u9762\u5411\u4e0d\u5c45\u4f4f\u5728\u65e5\u672c\u7684\u5916\u56fd\u6295\u8d44\u8005<\/strong><\/p>\n<\/li>\n

    • \n

      \u53ea\u8981\u5728\u6d77\u5916\u62e5\u6709\u4e0d\u52a8\u4ea7\u3001\u80a1\u7968\u7b49\u8d44\u4ea7\u6216\u7a33\u5b9a\u6536\u5165\uff0c\u5373\u53ef\u7533\u8bf7\u4f7f\u7528<\/p>\n<\/li>\n<\/ul>\n

      \n

      \ud83d\udccc \u878d\u8d44\u6761\u4ef6<\/h3>\n
      \n
      \n\n\n\n\n\n\n\n\n\n
      \u5185\u5bb9<\/th>\n\u6761\u4ef6<\/th>\n<\/tr>\n<\/thead>\n
      \u8d37\u6b3e\u5bf9\u8c61\u7269\u4e1a<\/td>\n\u4ec5\u96501990\u5e74\u4ee5\u540e\u7b26\u5408\u65b0\u6297\u9707\u6807\u51c6\u7684\u7269\u4e1a<\/td>\n<\/tr>\n
      \u8d37\u6b3e\u671f\u9650<\/td>\n\u6700\u957f35\u5e74 \uff08\u6839\u636e\u501f\u6b3e\u4eba\u5e74\u9f84\u6709\u6240\u9650\u5236\uff09<\/td>\n<\/tr>\n
      \u9996\u4ed8\u6b3e<\/td>\n\u57fa\u672c40%\uff5e50%\uff08LTV\u6700\u9ad860%\uff09<\/td>\n<\/tr>\n
      \u8d37\u6b3e\u91d1\u989d<\/td>\n\u6700\u4f4e1,000\u4e07\u65e5\u5143\u8d77<\/strong><\/td>\n<\/tr>\n
      \u5ba1\u67e5<\/td>\n\u5927\u7ea620\u4e2a\u5de5\u4f5c\u65e5<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n
      \n

      \ud83d\udccc \u624b\u7eed\u8d39<\/h3>\n
        \n
      • \n

        \u4e8b\u52a1\u624b\u7eed\u8d39\uff1a\u8d37\u6b3e\u91d1\u989d\u7684 1.5%<\/strong><\/p>\n<\/li>\n

      • \n

        \u5e74\u5ea6\u7ba1\u7406\u8d39\uff1a0.5%<\/strong><\/p>\n<\/li>\n

      • \n

        \u63d0\u524d\u8fd8\u6b3e\u624b\u7eed\u8d39\uff1a\u6709<\/p>\n<\/li>\n

      • \n

        \u56fd\u9645\u6c47\u6b3e\u624b\u7eed\u8d39\u7b49\uff1a\u53e6\u8ba1<\/p>\n<\/li>\n<\/ul>\n

        \n

        \ud83d\udccc LTV\uff08\u6700\u9ad8\u8d37\u6b3e\u6210\u6570\uff09<\/h3>\n
        \n
        \n\n\n\n\n\n\n
        \u6761\u4ef6<\/th>\nLTV<\/th>\n<\/tr>\n<\/thead>\n
        \u4f4f\u5b85\u7528\uff08\u81ea\u4f4f \/ \u6295\u8d44\uff09<\/td>\n\u6700\u9ad860%<\/td>\n<\/tr>\n
        \u5546\u4e1a\u7528\u9014\uff08\u5e97\u94fa\u7b49\uff09<\/td>\n\u6700\u9ad850%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n
        \n

        \ud83d\udccc \u5176\u4ed6\u5fc5\u8981\u6587\u4ef6\uff08\u793a\u4f8b\uff09<\/h3>\n
          \n
        • \n

          \u79df\u91d1\u6536\u5165\u8bc1\u660e\uff08\u6295\u8d44\u7269\u4e1a\u65f6\uff09<\/p>\n<\/li>\n

        • \n

          \u56fa\u5b9a\u6536\u5165\u8bc1\u660e<\/p>\n<\/li>\n

        • \n

          \u672c\u56fd\u8d44\u4ea7\u8bc1\u660e<\/p>\n<\/li>\n

        • \n

          \u65e5\u672c\u5883\u5185\u7269\u4e1a\u7ba1\u7406\u516c\u53f8\u5b89\u6392
          \u7b49<\/p>\n<\/li>\n<\/ul>\n

          \n

          \u25a0\u57fa\u51c6<\/h2>\n

          \u5c45\u4f4f\u56fd\u5bb6\uff0f\u5730\u533a<\/h3>\n
          \n
          \n\n\n\n\n\n\n\n\n\n\n\n\n
          \u5730\u533a<\/th>\n\u5730\u533a<\/th>\n<\/tr>\n<\/thead>\n
          \u65e5\u672c<\/td>\n\u9a6c\u6765\u897f\u4e9a<\/td>\n<\/tr>\n
          \u6fb3\u5927\u5229\u4e9a<\/td>\n\u65b0\u52a0\u5761<\/td>\n<\/tr>\n
          \u52a0\u62ff\u5927<\/td>\n\u5357\u975e<\/td>\n<\/tr>\n
          \u4e2d\u56fd\u5927\u9646<\/td>\n\u4e2d\u56fd\u53f0\u6e7e<\/td>\n<\/tr>\n
          \u6b27\u6d32<\/td>\n\u6cf0\u56fd<\/td>\n<\/tr>\n
          \u4e2d\u56fd\u9999\u6e2f<\/td>\n\u82f1\u56fd<\/td>\n<\/tr>\n
          \u5370\u5ea6\u5c3c\u897f\u4e9a<\/td>\n\u7f8e\u56fd<\/td>\n<\/tr>\n
          \u5370\u5ea6<\/td>\n\u8d8a\u5357<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n
          \n

          \u25a0\u6700\u9ad8\u8d37\u6b3e\u91d1\u989d<\/h3>\n
          \n
          \n\n\n\n\n\n\n
          \u8d37\u6b3e\u91d1\u989d<\/th>\n\u6700\u9ad8\u8d37\u6b3e\u4ef7\u503c\u6bd4 LTV<\/th>\n<\/tr>\n<\/thead>\n
          \u8d37\u6b3e \u2264 1.5\u4ebf\u65e5\u5143<\/td>\n60%<\/td>\n<\/tr>\n
          \u8d37\u6b3e \uff1e 1.5\u4ebf\u65e5\u5143<\/td>\n50%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n
          \n

          \u25a0\u5360\u7528\u5f62\u6001\uff08\u7528\u9014\uff09<\/h3>\n
          \n
          \n\n\n\n\n\n\n\n\n
          \u7528\u9014<\/th>\n\u6700\u9ad8\u8d37\u6b3e\u4ef7\u503c\u6bd4 LTV<\/th>\n<\/tr>\n<\/thead>\n
          \u957f\u671f\u51fa\u79df\uff08\u73b0\u6210\u51fa\u79df\u7269\u4e1a\uff09<\/td>\n60%<\/td>\n<\/tr>\n
          \u77ed\u671f\u51fa\u79df\uff08\u73b0\u6210\u51fa\u79df\u7269\u4e1a\uff09<\/td>\n50%<\/td>\n<\/tr>\n
          \u81ea\u4f4f<\/td>\n60%<\/td>\n<\/tr>\n
          \u81ea\u4f4f\uff08\u7b2c\u4e8c\u4f4f\u5b85\uff09<\/td>\n50%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n
          \n

          \u25a0\u5730\u70b9\uff0f\u5efa\u7b51\u7c7b\u578b<\/h3>\n
          \n
          \n\n\n\n\n\n
          \u5730\u70b9\uff0f\u5efa\u7b51\u7c7b\u578b<\/th>\n\u6700\u9ad8\u8d37\u6b3e\u4ef7\u503c\u6bd4 LTV<\/th>\n<\/tr>\n<\/thead>\n
          \u4f4f\u5b85\u516c\u5bd3\uff08\u96c6\u5408\u4f4f\u5b85\uff09<\/td>\n60%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n

           <\/p>\n

          \uff0a\uff0a\uff0a\u65e5\u672c\u8a9e\uff0a\uff0a\uff0a\uff0a\uff0a\uff0a\uff0a\uff0a\uff0a\uff0a\uff0a\uff0a\uff0a\uff0a\uff0a\uff0a\uff0a<\/p>\n

          \ud83d\udccc \u91d1\u5229<\/strong><\/p>\n

            \n
          • \n

            \u91d1\u5229\uff1a4.10%\uff08\u5909\u52d5\uff09<\/strong>
            \u203bTIBOR 0.60% + \u5229\u7387 3.50%\uff082025\u5e749\u67082\u65e5\u6642\u70b9\uff09<\/p>\n<\/li>\n<\/ul>\n

            \ud83d\udccc \u878d\u8cc7\u5bfe\u8c61\u8005<\/strong><\/p>\n

              \n
            • \n

              \u65e5\u672c\u306b\u5c45\u4f4f\u3057\u3066\u3044\u306a\u3044\u5916\u56fd\u4eba\u6295\u8cc7\u5bb6\u3082\u5bfe\u8c61<\/p>\n<\/li>\n

            • \n

              \u6d77\u5916\u306b\u4e0d\u52d5\u7523\u30fb\u682a\u5f0f\u306a\u3069\u306e\u8cc7\u7523\u3084\u5b89\u5b9a\u53ce\u5165\u304c\u3042\u308c\u3070\u5229\u7528\u53ef\u80fd<\/p>\n<\/li>\n<\/ul>\n

              \ud83d\udccc \u878d\u8cc7\u6761\u4ef6<\/strong><\/p>\n

              \n
              \n\n\n\n\n\n\n\n\n\n
              \u5185\u5bb9<\/th>\n\u6761\u4ef6<\/th>\n<\/tr>\n<\/thead>\n
              \u5bfe\u8c61\u7269\u4ef6<\/td>\n1990\u5e74\u4ee5\u964d\u306e\u65b0\u8010\u9707\u57fa\u6e96\u7269\u4ef6\u306e\u307f<\/td>\n<\/tr>\n
              \u878d\u8cc7\u671f\u9593<\/td>\n\u6700\u957735\u5e74
              \n\uff08\u501f\u5165\u6642\u5e74\u9f62\u306b\u3088\u308a\u5236\u9650\u3042\u308a\uff09<\/td>\n<\/tr>\n
              \u982d\u91d1<\/td>\n\u57fa\u672c 40\u301c50%\uff08LTV\u6700\u592760%\uff09<\/td>\n<\/tr>\n
              \u501f\u5165\u91d1\u984d<\/td>\n\u6700\u4f4e1,000\u4e07\u5186\u304b\u3089<\/strong><\/td>\n<\/tr>\n
              \u5be9\u67fb<\/td>\n20\u55b6\u696d\u65e5\u7a0b\u5ea6<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n

              \ud83d\udccc \u624b\u6570\u6599<\/strong><\/p>\n

                \n
              • \n

                \u4e8b\u52d9\u624b\u6570\u6599\uff1a\u878d\u8cc7\u984d\u306e 1.5%<\/strong><\/p>\n<\/li>\n

              • \n

                \u5e74\u9593\u7ba1\u7406\u6599\uff1a0.5%<\/strong><\/p>\n<\/li>\n

              • \n

                \u7e70\u4e0a\u3052\u8fd4\u6e08\u624b\u6570\u6599\uff1a\u3042\u308a<\/p>\n<\/li>\n

              • \n

                \u6d77\u5916\u9001\u91d1\u624b\u6570\u6599\u306a\u3069\u5225\u9014\u3042\u308a<\/p>\n<\/li>\n<\/ul>\n

                \ud83d\udccc LTV\uff08\u878d\u8cc7\u4e0a\u9650\u5272\u5408\uff09<\/strong><\/p>\n

                \n
                \n\n\n\n\n\n\n
                \u6761\u4ef6<\/th>\nLTV<\/th>\n<\/tr>\n<\/thead>\n
                \u4f4f\u5b85\u7528\uff08\u81ea\u5df1\u4f7f\u7528\uff0f\u6295\u8cc7\u7528\uff09<\/td>\n\u6700\u592760%<\/td>\n<\/tr>\n
                \u5546\u696d\u7528\u9014\uff08\u5e97\u8217\u306a\u3069\uff09<\/td>\n\u6700\u592750%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n

                \ud83d\udccc \u305d\u306e\u4ed6\u306e\u5fc5\u8981\u6761\u4ef6\u4f8b<\/strong><\/p>\n

                  \n
                • \n

                  \u5bb6\u8cc3\u53ce\u5165\u8a3c\u660e\uff08\u6295\u8cc7\u7528\u306e\u969b\uff09<\/p>\n<\/li>\n

                • \n

                  \u56fa\u5b9a\u53ce\u5165\u8a3c\u660e<\/p>\n<\/li>\n

                • \n

                  \u672c\u56fd\u306e\u8cc7\u7523\u8a3c\u660e<\/p>\n<\/li>\n

                • \n

                  \u65e5\u672c\u56fd\u5185\u306e\u7ba1\u7406\u4f1a\u793e\u624b\u914d
                  \u306a\u3069<\/p>\n<\/li>\n<\/ul>\n

                  \u25a0\u57fa\u6e96<\/h3>\n

                  \u5c45\u4f4f\u56fd\uff0f\u5730\u57df<\/h3>\n
                  \n
                  \n\n\n\n\n\n\n\n\n\n\n\n\n
                  \u5c45\u4f4f\u56fd\uff0f\u5730\u57df<\/th>\n\u5c45\u4f4f\u56fd\uff0f\u5730\u57df<\/th>\n<\/tr>\n<\/thead>\n
                  \u65e5\u672c<\/td>\n\u30de\u30ec\u30fc\u30b7\u30a2<\/td>\n<\/tr>\n
                  \u30aa\u30fc\u30b9\u30c8\u30e9\u30ea\u30a2<\/td>\n\u30b7\u30f3\u30ac\u30dd\u30fc\u30eb<\/td>\n<\/tr>\n
                  \u30ab\u30ca\u30c0<\/td>\n\u5357\u30a2\u30d5\u30ea\u30ab<\/td>\n<\/tr>\n
                  \u4e2d\u56fd<\/td>\n\u4e2d\u56fd\u53f0\u6e7e<\/td>\n<\/tr>\n
                  \u6b27\u5dde<\/td>\n\u30bf\u30a4<\/td>\n<\/tr>\n
                  \u4e2d\u56fd\u9999\u6e2f<\/td>\n\u82f1\u56fd<\/td>\n<\/tr>\n
                  \u30a4\u30f3\u30c9\u30cd\u30b7\u30a2<\/td>\n\u7c73\u56fd<\/td>\n<\/tr>\n
                  \u30a4\u30f3\u30c9<\/td>\n\u30d9\u30c8\u30ca\u30e0<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n
                  \n

                  \u25a0\u6700\u5927\u878d\u8cc7\u984d<\/h3>\n
                  \n
                  \n\n\n\n\n\n\n
                  \u878d\u8cc7\u984d<\/th>\n\u6700\u9ad8\u878d\u8cc7\u4fa1\u5024\u6bd4 LTV<\/th>\n<\/tr>\n<\/thead>\n
                  \u878d\u8cc7 \u2264 1.5\u5104\u5186<\/td>\n60%<\/td>\n<\/tr>\n
                  \u878d\u8cc7 \uff1e 1.5\u5104\u5186<\/td>\n50%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n
                  \n

                  \u25a0\u5360\u7528\u5f62\u614b\uff08\u7528\u9014\uff09<\/h3>\n
                  \n
                  \n\n\n\n\n\n\n\n\n
                  \u7528\u9014<\/th>\n\u6700\u9ad8\u878d\u8cc7\u4fa1\u5024\u6bd4 LTV<\/th>\n<\/tr>\n<\/thead>\n
                  \u9577\u671f\u8cc3\u8cb8\uff08\u65e2\u5b58\u306e\u8cc3\u8cb8\u7269\u4ef6\uff09<\/td>\n60%<\/td>\n<\/tr>\n
                  \u77ed\u671f\u8cc3\u8cb8\uff08\u65e2\u5b58\u306e\u8cc3\u8cb8\u7269\u4ef6\uff09<\/td>\n50%<\/td>\n<\/tr>\n
                  \u81ea\u4f4f<\/td>\n60%<\/td>\n<\/tr>\n
                  \u81ea\u4f4f\uff08\u30bb\u30ab\u30f3\u30c9\u30cf\u30a6\u30b9\uff09<\/td>\n50%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n
                  \n

                  \u25a0\u5730\u70b9\uff0f\u5efa\u7269\u30bf\u30a4\u30d7<\/h3>\n
                  \n
                  \n\n\n\n\n\n
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