{"id":54001,"date":"2021-11-23T10:22:10","date_gmt":"2021-11-23T02:22:10","guid":{"rendered":"https:\/\/farenguakao.com\/?p=54001"},"modified":"2024-05-08T07:01:52","modified_gmt":"2024-05-07T23:01:52","slug":"mortgage-debt-ratio","status":"publish","type":"post","link":"https:\/\/farenguakao.com\/mortgage-debt-ratio\/","title":{"rendered":"\u623f\u8cb8\u8ca0\u50b5\u6bd4\u600e\u9ebc\u7b97\uff1f\u8fa6\u623f\u8cb8\u5fc5\u77e5\u8ca1\u529b\u72c0\u6cc1\u53ca\u8cb8\u6b3e\u6536\u652f\u6bd4\uff13\u5927\u539f\u5247\uff01"},"content":{"rendered":"\n<p>\u623f\u8cb8\u8ca0\u50b5\u6bd4 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\u623f\u8cb8\u8ca0\u50b5\u6bd4 \u554f\u984c\u60f3\u8aee\u8a62\u8a72\u600e\u9ebc\u505a\uff1f<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\" id=\"h-\u623f\u8cb8\u8ca0\u50b5\u6bd4\u600e\u9ebc\u7b97\u5462-\u8d85\u904e\u8ca0\u50b5\u6bd4\u9084\u53ef\u4ee5\u7533\u8acb\u623f\u8cb8\u55ce\"><span class=\"ez-toc-section\" id=\"%E6%88%BF%E8%B2%B8%E8%B2%A0%E5%82%B5%E6%AF%94%E6%80%8E%E9%BA%BC%E7%AE%97%E5%91%A2%EF%BC%9F%E8%B6%85%E9%81%8E%E8%B2%A0%E5%82%B5%E6%AF%94%E9%82%84%E5%8F%AF%E4%BB%A5%E7%94%B3%E8%AB%8B%E6%88%BF%E8%B2%B8%E5%97%8E%EF%BC%9F\"><\/span>\u623f\u8cb8\u8ca0\u50b5\u6bd4\u600e\u9ebc\u7b97\u5462\uff1f\u8d85\u904e\u8ca0\u50b5\u6bd4\u9084\u53ef\u4ee5\u7533\u8acb\u623f\u8cb8\u55ce\uff1f<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><strong>\u9996\u5148\u5fc5\u9808\u4e86\u89e3\uff1a\u300c\u8ca0\u50b5\u6bd4\u662f\u4ec0\u9ebc\uff1f\u300d<\/strong><\/p>\n\n\n\n<p>\u8ca0\u50b5\u6bd4\u7c21\u55ae\u4f86\u8aaa\u5c31\u662f\u6bcf\u500b\u6708\u6240\u9700\u652f\u51fa\u511f\u50b5\u7684\u91d1\u984d\uff0c\u9664\u4ee5\u6536\u5165\u5f8c\uff0c\u4f54\u6536\u5165\u6de8\u984d\u7684\u6bd4\u4f8b\u3002\u8a31\u591a\u7406\u8ca1\u5c08\u5bb6\u6703\u5efa\u8b70\u8cb8\u6b3e\u7684\u6bd4\u4f8b\u6700\u597d\u4e0d\u8981\u9ad8\u65bc\u7e3d\u6536\u5165\u768430%\uff0c\u624d\u4e0d\u81f4\u5f71\u97ff\u751f\u6d3b\u54c1\u8cea\u3002<\/p>\n\n\n\n<p>\u800c\u8ca0\u50b5\u6bd4\u5728\u53f0\u7063\u91d1\u7ba1\u6703\u6709\u660e\u78ba\u898f\u5b9a\uff0c\u5373\u300c\u7121\u64d4\u4fdd\u50b5\u52d9\u9918\u984d\u7684\u8ca0\u50b5\u6bd4\u4f8b\u4e0d\u5f97\u8d85\u904e\u85aa\u6c3422\u500d\u4e4b\u4e0a\u9650\u3002\u300d\u3002<\/p>\n\n\n\n<p>\u610f\u601d\u5c31\u662f\u8aaa\uff0c\u9664\u4e86\u623f\u8cb8\u4e4b\u5916\uff0c\u542b\u62ec\u5982\u4fe1\u8cb8\u3001\u4fe1\u7528\u5361\u7b49\u7121\u64d4\u4fdd\u7684\u8ca0\u50b5\uff0c\u82e5\u7e3d\u8ca0\u50b5\u6bd4\u4f8b\u8d85\u904e\u85aa\u8cc7\u6536\u5165\u768422\u500d\uff0c\u5247\u5efa\u8b70\u9032\u884c\u300c\u8ca0\u50b5\u6574\u5408\u300d\u6216\u662f\u300c\u50b5\u52d9\u5354\u5546\u300d\uff0c\u4ee5\u514d\u9020\u6210\u60e1\u6027\u5faa\u74b0\u3002<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"900\" height=\"900\" src=\"https:\/\/farenguakao.com\/wp-content\/uploads\/mortgage-debt-ratio1110.jpg\" alt=\"\u623f\u8cb8\u8ca0\u50b5\u6bd4\u76843\u5927\u91cd\u9ede\" class=\"wp-image-85732\" srcset=\"https:\/\/farenguakao.com\/wp-content\/uploads\/mortgage-debt-ratio1110.jpg 900w, https:\/\/farenguakao.com\/wp-content\/uploads\/mortgage-debt-ratio1110-300x300.jpg 300w, https:\/\/farenguakao.com\/wp-content\/uploads\/mortgage-debt-ratio1110-150x150.jpg 150w, https:\/\/farenguakao.com\/wp-content\/uploads\/mortgage-debt-ratio1110-768x768.jpg 768w\" sizes=\"auto, (max-width: 900px) 100vw, 900px\" \/><figcaption class=\"wp-element-caption\">\u623f\u8cb8\u8ca0\u50b5\u6bd4\u76843\u5927\u91cd\u9ede<\/figcaption><\/figure>\n\n\n\n<p><strong>\u4ee5\u4e0b\u70ba\u5927\u5bb6\u6574\u7406\u623f\u8cb8\u8ca0\u50b5\u6bd4\u7684\uff13\u5927\u91cd\u9ede\uff1a<\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">1\u3001\u300c\u6708\u6536\u8ca0\u50b5\u6bd4\u300d\u4e0d\u53ef\u8d85\u904e\u4e03\u6210<\/h3>\n\n\n\n<p>\u9280\u884c\u660e\u78ba\u898f\u5b9a\u7533\u8cb8\u4eba\u4e4b\u6708\u6536\u8ca0\u50b5\u6bd4\uff0c\u9700\u53ef\u63a7\u5236\u5728\u6536\u5165\u768470\uff05\u4ee5\u5167\uff0c\u610f\u5373\u8ca0\u50b5\u6bd4\u90e8\u8981\u8d85\u904e\u4e03\u6210\u3002<\/p>\n\n\n\n<p>\u8209\u4f8b\u800c\u8a00\uff0c\u5047\u8a2d\u4f60\u7684\u5e73\u5747\u6708\u6536\u5165\u662f10\u842c\u5143\uff0c\u5982\u6b64\uff0c\u4f60\u7684\u8ca0\u50b5\u6bd4\u5c31\u8981\u63a7\u5236\u5728\uff17\u842c\u5143\u5167\uff0c\u624d\u4e0d\u6703\uff0c\u6bcf\u500b\u6708\u7684\u9700\u8981\u511f\u9084\u7684\u672c\u91d1\u548c\u5229\u606f\u652f\u51fa\u904e\u9ad8\u3001\u9020\u6210\u751f\u6d3b\u58d3\u529b\uff0c\u751a\u81f3\u5165\u4e0d\u6577\u51fa\uff01<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">2\u3001\u300c\u7e3d\u8cc7\u7522\u8ca0\u50b5\u6bd4\u300d\u9700\u8d85\u904e5\u500d<\/h3>\n\n\n\n<p>\u7e3d\u8cc7\u7522\u8ca0\u50b5\u662f\u7528\u4f86\u8a08\u7b97\u81ea\u8eab\u8ca1\u5bcc\u7684\u591a\u5be1\uff0c\u7e3d\u8cc7\u7522\u8ca0\u50b5\u6bd4\u516c\u5f0f\uff1a<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>\u8cc7\u7522\u7e3d\u984d \u00f7 \u8ca0\u50b5\u7e3d\u984d\uff1d\u7e3d\u8cc7\u7522\u8ca0\u50b5\u6bd4<\/p>\n<\/blockquote>\n\n\n\n<p>\u9280\u884c\u5728\u9032\u884c\u8cb8\u6b3e\u6642\uff0c\u6703\u5e0c\u671b\u501f\u8cb8\u4eba\u7684\u7e3d\u8cc7\u7522\u8ca0\u50b5\u6bd4\u6578\u5b57\u9700\u8981\u5927\u65bc1.5\uff0c\u8209\u4f8b\u4f86\u8aaa\uff0c\u5982\u679c\u4f60\u7684\u4e0d\u52d5\u7522+\u5b58\u6b3e+\u80a1\u7968\u7b49\u8cc7\u7522\u5171\u67091500\u842c\uff0c\u5247\u623f\u8cb8+\u4fe1\u8cb8\u7b49\u8ca0\u50b5\u5c31\u76e1\u91cf\u63a7\u5236\u57281000\u842c\u5167\uff0c\u624d\u4e0d\u6703\u8ca0\u50b5\u904e\u591a\uff0c\u5f71\u97ff\u9084\u6b3e\u80fd\u529b\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">3\u3001\u6d41\u52d5\u6bd4\u7387\u61c9\u8d85\u904e 600\uff05<\/h3>\n\n\n\n<p>\u300c\u6d41\u901a\u6bd4\u7387\u300d\u7684\u610f\u601d\u662f\u8a08\u7b97\uff0c\u5047\u5982\u5728\u5931\u696d\u6216\u7121\u6536\u5165\u7684\u72c0\u6cc1\u4e0b\uff0c\u60a8\u9084\u6709\u591a\u5c11\u8cc7\u91d1\uff1f\u53ef\u4ee5\u7dad\u6301\u751f\u6d3b\u54c1\u8cea\u591a\u4e45\uff1f\u4ee5\u5efa\u8b70\u7684600%\u4f86\u8aaa\uff0c\u5c31\u4ee3\u8868\u8cc7\u7522\u53ef\u4ee5\u7dad\u6301\u751f\u6d3b\uff16\u500b\u6708\u5de6\u53f3\u3002\u6d41\u52d5\u6bd4\u7387\u516c\u5f0f\uff1a<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>\u7e3d\u5b58\u6b3e \u00f7 \u6708\u8ca0\u50b5 \u00d7 100%\uff1d\u6d41\u52d5\u6bd4\u7387<\/p>\n<\/blockquote>\n\n\n\n<p>\u8209\u4f8b\u4f86\u8aaa\uff1a\u5018\u82e5\u5b58\u6b3e\u670950\u842c\uff0c\u6bcf\u500b\u6708\u652f\u51fa\u623f\u8cb82\u842c\uff0c\u5247\u6d41\u52d5\u6bd4\u7387\u70ba50\u842c \u00f7 2\u842c \u00d7 100\uff05\uff1d2500\uff05\uff0c\u8868\u793a\u5373\u4f7f\u6c92\u6709\u6536\u5165\uff0c\u4e5f\u9084\u53ef\u4ee5\u7dad\u630125\u500b\u6708\u80fd\u5920\u6b63\u5e38\u7e73\u7d0d\u623f\u8cb8\uff01<\/p>\n\n\n\n<p><strong>\u6b64\u5916\uff0c\u5e38\u898b\u7684\u554f\u984c\u662f\uff1a\u300c\u8d85\u904e\u8ca0\u50b5\u6bd4\u9084\u53ef\u4ee5\u623f\u8cb8\u55ce\uff1f\u300d<\/strong><\/p>\n\n\n\n<p>\u9019\u88e1\u6307\u7684\u300c\u8d85\u904e\u300d\uff0c\u662f\u6307\u91d1\u7ba1\u6703\u6240\u898f\u5b9a\u7684\u300c\u6d88\u8cbb\u578b\u8cb8\u6b3e\u4e0d\u5f97\u8d85\u904e\u50b5\u52d9\u4eba\u6708\u6536\u5165\u4e4b22\u500d\u300d\uff0c\u4e5f\u5c31\u662f\u7e3d\u8cb8\u6b3e\u984d\u5ea6\u4e0d\u53ef\u4ee5\u8d85\u904e\u85aa\u8cc7\u6536\u5165\u768422\u500d\u3002\u7136\u800c\u7e31\u4f7f\u8ca0\u50b5\u6bd4\u8d85\u904e22\u500d\uff0c\u5176\u5be6\u9084\u662f\u53ef\u4ee5\u7533\u8acb\u623f\u8cb8\u7684\uff0c\u4ee5\u4e0b\u70ba\u5927\u5bb6\u8aaa\u660e\u5e7e\u500b\u8cb8\u6b3e\u689d\u4ef6\uff1a<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">1\u3001\u64d4\u4fdd\u54c1\u8cb8\u6b3e\uff1a<\/h3>\n\n\n\n<p>\u300c\u8ca0\u50b5\u6bd4\u300d\u7684\u9650\u5236\u662f\u91dd\u5c0d\u4fe1\u8cb8\u4f86\u8a08\u7b97\u7684\u689d\u4ef6\uff0c\u800c\u5982\u679c\u662f\u7533\u8acb\u623f\u8cb8\u3001\u8eca\u8cb8\u3001\u6a5f\u8eca\u8cb8\u6b3e\u7b49\u62b5\u62bc\u578b\u8cb8\u6b3e\uff0c\u5247\u4e0d\u53d7\u5230\u8ca0\u50b5\u6bd4\u7684\u5f71\u97ff\uff01\u53ea\u662f\u6703\u5f71\u97ff\u5230\u9280\u884c\u7aef\u7684\u904e\u4ef6\u610f\u9858\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">2\u3001\u63d0\u51fa\u4fdd\u4eba\uff1a<\/h3>\n\n\n\n<p>\u5047\u5982\u8cb8\u6b3e\u7121\u6cd5\u5be9\u6838\u901a\u904e\uff0c\u53ef\u4ee5\u8a66\u8457\u4e3b\u52d5\u9644\u52a0\u4fdd\u4eba\uff0c\u4f86\u63d0\u9ad8\u8cb8\u6b3e\u904e\u4ef6\u7387\uff01<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">3\u3001\u6c11\u9593\u8cb8\u6b3e\uff1a<\/h3>\n\n\n\n<p>\u5018\u82e5\u9280\u884c\u7aef\u99c1\u56de\uff0c\u53ef\u80fd\u5c31\u8981\u8003\u616e\u6c11\u9593\u8cb8\u6b3e\u3002\u6c11\u9593\u8cb8\u6b3e\u9580\u6abb\u8f03\u4f4e\uff0c\u4e0d\u7528\u770b\u8ca0\u50b5\u6bd4\u3001\u4e0d\u770b\u806f\u5fb5\u7d00\u9304\uff0c\u4e0d\u904e\u5229\u7387\u76f8\u8f03\u4e4b\u4e0b\u8f03\u9ad8\uff0c\u56e0\u6b64\u4ecd\u9700\u8996\u60a8\u7684\u9084\u6b3e\u80fd\u529b\u518d\u884c\u8cb8\u6b3e\uff01<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E6%88%BF%E8%B2%B8%E8%B2%A0%E5%82%B5%E6%AF%94%EF%BC%93%E5%A4%A7%E5%8E%9F%E5%89%87%EF%BC%81%E6%88%BF%E8%B2%B8%E5%8B%BF%E8%B6%85%E9%81%8E3%E5%88%86%E4%B9%8B1%E6%97%A5%E5%AD%90%E6%89%8D%E5%A5%BD%E9%81%8E%EF%BC%81\"><\/span>\u623f\u8cb8\u8ca0\u50b5\u6bd4\uff13\u5927\u539f\u5247\uff01\u623f\u8cb8\u52ff\u8d85\u904e3\u5206\u4e4b1\u65e5\u5b50\u624d\u597d\u904e\uff01<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"900\" height=\"900\" src=\"https:\/\/farenguakao.com\/wp-content\/uploads\/mortgage-debt-ratio11102.jpg\" alt=\"\u623f\u8cb8\u8ca0\u50b5\u6bd4\uff13\u5927\u539f\u5247\uff01\u623f\u8cb8\u52ff\u8d85\u904e3\u5206\u4e4b1\u65e5\u5b50\u624d\u597d\u904e\uff01\" class=\"wp-image-85731\" srcset=\"https:\/\/farenguakao.com\/wp-content\/uploads\/mortgage-debt-ratio11102.jpg 900w, https:\/\/farenguakao.com\/wp-content\/uploads\/mortgage-debt-ratio11102-300x300.jpg 300w, https:\/\/farenguakao.com\/wp-content\/uploads\/mortgage-debt-ratio11102-150x150.jpg 150w, https:\/\/farenguakao.com\/wp-content\/uploads\/mortgage-debt-ratio11102-768x768.jpg 768w\" sizes=\"auto, (max-width: 900px) 100vw, 900px\" \/><figcaption class=\"wp-element-caption\">\u623f\u8cb8\u8ca0\u50b5\u6bd4\uff13\u5927\u539f\u5247\uff01\u623f\u8cb8\u52ff\u8d85\u904e3\u5206\u4e4b1\u65e5\u5b50\u624d\u597d\u904e\uff01<\/figcaption><\/figure>\n\n\n\n<p>\u7533\u8acb\u623f\u8cb8\u524d\uff0c\u6709\uff13\u5927\u539f\u5247\u5fc5\u9808\u597d\u597d\u8a8d\u77e5\u4e00\u4e0b\uff01<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">1\u3001\u500b\u4eba\u7684\u8ca0\u50b5\u6bd4\u4e0d\u8d85\u904e22\u500d<\/h3>\n\n\n\n<p>\u7533\u8acb\u623f\u8cb8\u6642\u9280\u884c\u5c07\u5be9\u6838\u8cb8\u6b3e\u4eba\u7684\u4fe1\u7528\u72c0\u6cc1\uff06\u8ca1\u529b\u8b49\u660e\uff0c\u500b\u4eba\u7684\u8ca0\u50b5\u72c0\u6cc1\u540c\u6642\u4e5f\u6703\u7d0d\u5165\u5be9\u6838\u3002<\/p>\n\n\n\n<p>\u5047\u5982\u60a8\u7684\u8ca0\u50b5\u6bd4\u8d85\u904e\u4e86\u898f\u5b9a\u768422\u500d\uff0c\u5247\u9280\u884c\u6703\u8a8d\u70ba\u9084\u6b3e\u98a8\u96aa\u8f03\u9ad8\uff0c\u6838\u8cb8\u6a5f\u6703\u4fbf\u6703\u4e0b\u964d\u8a31\u591a\u6216\u662f\u6703\u780d\u6210\u6578\u53ca\u589e\u52a0\u5229\u7387\uff0c\u751a\u81f3\u4e0d\u6703\u6838\u8cb8\u904e\u4ef6\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">2\u3001\u6bcf\u500b\u6708\u623f\u8cb8\u61c9\u9084\u6b3e\u4e0d\u8d85\u904e\u6536\u5165\u4e09\u5206\u4e4b\u4e00<\/h3>\n\n\n\n<p>\u4e00\u822c\u4f86\u8aaa\u90fd\u6703\u5efa\u8b70\u623f\u8cb8\u4e0d\u8981\u8d85\u904e\u6708\u6536\u5165\u7684\uff13\u5206\u4e4b\uff11\uff0c\u624d\u4e0d\u6703\u5f71\u97ff\u5230\u539f\u6709\u7684\u751f\u6d3b\u6c34\u5e73\u3002<\/p>\n\n\n\n<p>\u8209\u4f8b\u800c\u8a00\uff0c\u5018\u82e5\u6bcf\u500b\u6708\u6536\u5165\u6709\uff16\u842c\uff0c\u90a3\u623f\u8cb8\u6708\u7e73\u91d1\u984d\u5efa\u8b70\u63a7\u5236\u5728\uff12\u842c\u5de6\u53f3\uff0c\u624d\u4e0d\u81f4\u5f71\u97ff\u751f\u6d3b\u54c1\u8cea\uff01<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">3\u3001\u623f\u8cb8\u6536\u652f\u6bd4\u5927\u65bc130\uff05\u8f03\u6a5f\u6703\u7533\u8cb8\u9ad8\u6210\u6578<\/h3>\n\n\n\n<p>\u6240\u8b02\u7684\u623f\u8cb8\u7684\u6536\u652f\u6bd4\u5c31\u662f\u5c07\u6bcf\u6708\u6536\u5165\u6263\u6389\u623f\u8cb8\u4e4b\u5916\u7684\u652f\u51fa\uff0c\u518d\u9664\u4ee5\u6bcf\u500b\u6708\u623f\u8cb8\uff1a<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>\uff08\u6708\u6536\u5165\uff0d\u623f\u8cb8\u4e4b\u5916\u7684\u652f\u51fa\uff09 \u00f7 \u6bcf\u500b\u6708\u623f\u8cb8 \u00d7 100% = \u623f\u8cb8\u6536\u652f\u6bd4<\/p>\n<\/blockquote>\n\n\n\n<p>\u5047\u5982\u60f3\u8981\u8cb8\u6b3e\u9ad8\u6210\u6578\uff0c\u5247\u623f\u8cb8\u6536\u652f\u6bd4\u5efa\u8b70\u8981\u8d85\u904e120%\uff0c\u624d\u6709\u6a5f\u6703\u8cb8\u5230\u623f\u5c4b\u7684\uff18\u6210\u7e3d\u50f9\uff01<\/p>\n\n\n\n<p>\u5ef6\u4f38\u95b1\u8b80:&lt;<a href=\"https:\/\/farenguakao.com\/repayment-plan\/\">\u9084\u6b3e\u8a08\u756b\u5982\u4f55\u64ec\u5b9a\uff1f\u8cb8\u6b3e\u4e4b\u524d\u5fc5\u770b\uff0c\u8cb8\u6b3e\u5229\u7387\u3001\u9084\u6b3e\u65b9\u5f0f\u5927\u4e0d\u540c\uff01<\/a>&gt;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E7%94%B3%E8%AB%8B%E6%88%BF%E8%B2%B8%E5%BF%85%E7%9C%8B%EF%BC%81%E8%B2%A1%E5%8A%9B%E8%AD%89%E6%98%8E%E6%96%87%E4%BB%B6%E7%A8%AE%E9%A1%9E%E6%9C%89%E5%93%AA%E4%BA%9B%E9%80%9A%E9%80%9A%E6%95%B4%E7%90%86%E5%A5%BD%EF%BC%81\"><\/span>\u7533\u8acb\u623f\u8cb8\u5fc5\u770b\uff01\u8ca1\u529b\u8b49\u660e\u6587\u4ef6\u7a2e\u985e\u6709\u54ea\u4e9b\u901a\u901a\u6574\u7406\u597d\uff01<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"900\" height=\"900\" src=\"https:\/\/farenguakao.com\/wp-content\/uploads\/mortgage-debt-ratio112322.jpg\" alt=\"\u4e0a\u73ed\u65cf\u7684\u8ca1\u529b\u8b49\u660e\" class=\"wp-image-54005\" srcset=\"https:\/\/farenguakao.com\/wp-content\/uploads\/mortgage-debt-ratio112322.jpg 900w, https:\/\/farenguakao.com\/wp-content\/uploads\/mortgage-debt-ratio112322-300x300.jpg 300w, https:\/\/farenguakao.com\/wp-content\/uploads\/mortgage-debt-ratio112322-150x150.jpg 150w, https:\/\/farenguakao.com\/wp-content\/uploads\/mortgage-debt-ratio112322-768x768.jpg 768w\" sizes=\"auto, (max-width: 900px) 100vw, 900px\" \/><figcaption class=\"wp-element-caption\">\u4e0a\u73ed\u65cf\u7684\u8ca1\u529b\u8b49\u660e<\/figcaption><\/figure>\n\n\n\n<p>\u8ca1\u529b\u8b49\u660e\u6e96\u5099\u5f97\u8d8a\u7a69\u59a5\uff0c\u5c31\u8d8a\u80fd\u5411\u9280\u884c\u8b49\u660e\u60a8\u7684\u9084\u6b3e\u80fd\u529b\uff0c\u53ef\u4ee5\u5927\u5e45\u63d0\u9ad8\u9280\u884c\u904e\u4ef6\u7387\u3002\u800c\u8ca1\u529b\u8b49\u660e\u6587\u4ef6\u4e2d\uff0c\u53ef\u4ee5\u5206\u70ba\u5169\u7a2e\uff1a\u300c\u6536\u5165\u578b\u8b49\u660e\u6587\u4ef6\u300d\u8207\u300c\u8cc7\u7522\u578b\u8b49\u660e\u6587\u4ef6\u300d\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">1\u3001\u6536\u5165\u578b\u8b49\u660e\u6587\u4ef6\uff1a<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u85aa\u8cc7\u5b58\u647a\u660e\u7d30\uff1a\u8b93\u9280\u884c\u4e86\u89e3\u5be6\u969b\u9818\u85aa\u53ca\u73fe\u91d1\u6d41\u3002<\/li>\n\n\n\n<li>\u5de5\u4f5c\u7684\u85aa\u8cc7\u55ae\uff1a\u9280\u884c\u53ef\u4ee5\u900f\u904e\u85aa\u8cc7\u55ae\u4e86\u89e3\u7533\u8acb\u4eba\u6536\u5165\u662f\u5426\u7a69\u5b9a\u3002<\/li>\n\n\n\n<li>\u5e74\u5ea6\u6263\u7e73\u6191\u55ae\uff1a\u6240\u5f97\u7a05\u5831\u7a05\u8cc7\u6599\u80fd\u986f\u793a\u500b\u4eba\u5168\u5e74\u5ea6\u6240\u5f97\u3002<\/li>\n\n\n\n<li>\u79df\u91d1\u6536\u5165\u7d00\u9304\uff1a\u623f\u6771\u53ef\u4ee5\u63d0\u51fa\u6bcf\u6708\u7a69\u5b9a\u7684\u6536\u79df\u7d00\u9304\u3002<\/li>\n\n\n\n<li>\u80a1\u5229\u80a1\u606f\u7d00\u9304<\/li>\n\n\n\n<li>\u9280\u884c\u5b58\u647a\u660e\u7d30<\/li>\n\n\n\n<li>\u52de\u4fdd\u6295\u4fdd\u8cc7\u6599<\/li>\n\n\n\n<li>\u60a8\u7684\u6240\u5f97\u6e05\u55ae<\/li>\n\n\n\n<li>\u60a8\u7684\u8ca1\u7522\u6e05\u518a<\/li>\n\n\n\n<li>\uff14\uff10\uff11\u640d\u76ca\u5831\u8868<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">2\u3001\u8cc7\u7522\u578b\u8b49\u660e\u6587\u4ef6\uff1a<\/h3>\n\n\n\n<p>\u8cc7\u7522\u578b\u8b49\u660e\u6587\u4ef6\u4e3b\u8981\u662f\u7528\u4f86\u52a0\u5206\u7528\u7684\uff0c\u8b49\u660e\u60a8\u540d\u4e0b\u6709\u8ca1\u7522\uff0c\u5fc5\u8981\u6642\u53ef\u4ee5\u7528\u4f86\u511f\u9084\u50b5\u52d9\uff0c\u964d\u4f4e\u9280\u884c\u5446\u5e33\u6a5f\u7387\u3002<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u4e0d\u52d5\u7522\u6240\u6709\u6b0a\u72c0\uff1a\u4e0d\u52d5\u7522\u4e5f\u662f\u4e00\u9805\u975e\u5e38\u6709\u529b\u7684\u8ca1\u529b\u8b49\u660e\uff0c\u540d\u4e0b\u6709\u623f\u5b50\u3001\u571f\u5730\u7b49\u4e0d\u52d5\u7522\u8cc7\u7522\uff0c\u80fd\u7576\u4f5c\u8ca1\u529b\u4f50\u8b49\uff0c\u5c0d\u65bc\u8cb8\u6b3e\u3001\u4fe1\u7528\u5361\u7533\u8acb\u4e5f\u6703\u6709\u52a0\u5206\u6548\u679c\u3002<\/li>\n\n\n\n<li>\u5132\u84c4\u96aa\u4fdd\u55ae\uff1a\u6709\u4e9b\u9280\u884c\u6703\u5c07\u5132\u84c4\u96aa\u8996\u70ba\u8ca1\u529b\u8b49\u660e\u7684\u4e00\u7a2e\uff0c\u8cb8\u6b3e\u5be9\u6838\u6642\u6210\u70ba\u52a0\u5206\u9805\u76ee\u3002<\/li>\n\n\n\n<li>\u80a1\u7968\u6301\u80a1\u660e\u7d30\uff1a\u80a1\u7968\u662f\u5c6c\u65bc\u9ad8\u98a8\u96aa\u7684\u6295\u8cc7\uff0c\u56e0\u6b64\u9280\u884c\u5f88\u5bb9\u6613\u5c31\u6703\u8a8d\u5217\u70ba\u6d41\u52d5\u8cc7\u7522\u3002<\/li>\n\n\n\n<li>\u57fa\u91d1\uff0f\u50b5\u5238\u660e\u7d30\uff1a\u57fa\u91d1\u3001\u50b5\u5238\u7b49\u7b49\uff0c\u9019\u4e5f\u6709\u52a9\u65bc\u9280\u884c\u8a8d\u5b9a\u4f60\u7684\u6536\u5165\u8207\u9084\u6b3e\u80fd\u529b\u3002<\/li>\n\n\n\n<li>\u623f\u5c4b\u7a05\u55ae\uff0f\u5730\u50f9\u7a05\u55ae<\/li>\n\n\n\n<li>\u5b9a\u5b58\u55ae<\/li>\n\n\n\n<li>\u9ec3\u91d1\u5b58\u647a<\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"901\" height=\"901\" src=\"https:\/\/farenguakao.com\/wp-content\/uploads\/mortgage-debt-ratio112333.jpg\" alt=\"\u7533\u8fa6\u623f\u8cb8\u6642\u8ca1\u529b\u8b49\u660e\u53e4\u6e1b\u5206\u9805\u76ee\" class=\"wp-image-54006\" srcset=\"https:\/\/farenguakao.com\/wp-content\/uploads\/mortgage-debt-ratio112333.jpg 901w, https:\/\/farenguakao.com\/wp-content\/uploads\/mortgage-debt-ratio112333-300x300.jpg 300w, https:\/\/farenguakao.com\/wp-content\/uploads\/mortgage-debt-ratio112333-150x150.jpg 150w, https:\/\/farenguakao.com\/wp-content\/uploads\/mortgage-debt-ratio112333-768x768.jpg 768w\" sizes=\"auto, (max-width: 901px) 100vw, 901px\" \/><figcaption class=\"wp-element-caption\">\u7533\u8fa6\u623f\u8cb8\u6642\u8ca1\u529b\u8b49\u660e\u53e4\u6e1b\u5206\u9805\u76ee<\/figcaption><\/figure>\n\n\n\n<p>\u5ef6\u4f38\u95b1\u8b80:&lt;<a href=\"https:\/\/farenguakao.com\/financial-statement\/\">\u5411\u9280\u884c\u8cb8\u6b3e\u8981\u6e96\u5099\u54ea\u4e9b\u8ca1\u529b\u8b49\u660e\uff1f\u901912\u7a2e\u8ca1\u529b\u8b49\u660e\u6703\u6709\u52a9\u63d0\u9ad8\u904e\u4ef6\u7387\uff01<\/a>&gt;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E6%88%BF%E8%B2%B8%E6%94%B6%E6%94%AF%E6%AF%94%E4%BE%8B%E8%A8%88%E7%AE%97%E5%85%AC%E5%BC%8F%EF%BC%81%E6%88%BF%E5%AD%90%E8%B2%B7%E5%A4%9A%E8%B2%B4%E5%85%A8%E7%9C%8B%E9%80%99%E9%BB%83%E9%87%91%E6%AF%94%E4%BE%8B%EF%BC%81\"><\/span>\u623f\u8cb8\u6536\u652f\u6bd4\u4f8b\u8a08\u7b97\u516c\u5f0f\uff01\u623f\u5b50\u8cb7\u591a\u8cb4\u5168\u770b\u9019\u9ec3\u91d1\u6bd4\u4f8b\uff01<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u623f\u8cb8\u6536\u652f\u6bd4\u8a72\u5982\u4f55\u8a08\u7b97\uff1f<\/p>\n\n\n\n<p>\u5176\u5be6\u300c\u623f\u8cb8\u6536\u652f\u6bd4\u300d\u5c31\u662f\u5c07\u6bcf\u500b\u6708\u6536\u5165\uff0c\u6263\u9664\u300c\u623f\u8cb8\u4ee5\u5916\u300d\u7684\u57fa\u672c\u958b\u92b7\uff0c\u6263\u9664\u5f8c\u5269\u4e0b\u7684\u91d1\u984d\u518d\u9664\u4ee5\u6bcf\u6708\u8ca0\u64d4\u7684\u623f\u8cb8\u91d1\u984d\u3002<\/p>\n\n\n\n<p>\u5047\u5982\u623f\u8cb8\u6536\u652f\u6bd4\u8a08\u7b97\u7d50\u679c\u8d85\u904e130%\u4ee5\u4e0a\uff0c\u5247\u8f03\u6709\u6a5f\u6703\u8cb8\u5230\u6700\u7406\u60f3\u7684\u623f\u8cb8\u9ad8\u6210\u6578\u3002<\/p>\n\n\n\n<p>\u800c\u6211\u5011\u53ef\u4ee5\u900f\u904e\u9019\u500b\u623f\u8cb8\u6536\u652f\u6bd4\uff0c\u4f86\u898f\u5283\u8cb7\u623f\u6642\uff0c\u53ef\u4ee5\u8ca0\u64d4\u7e3d\u50f9\u591a\u5c11\u7684\u623f\u5c4b\uff0c\u540c\u6642\u4e0d\u81f3\u65bc\u5f71\u97ff\u57fa\u672c\u751f\u6d3b\u6c34\u5e73\u3002<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>\u8a08\u7b97\u65b9\u5f0f\u70ba\uff1a\u5e73\u5747\u6708\u85aa x \u8ca0\u50b5\u6bd4 x 100\uff0f\u6bcf\u767e\u842c\u6708\u4ed8\u91d1<\/p>\n<\/blockquote>\n\n\n\n<p>\u8209\u4f8b\u4f86\u8aaa\uff0c\u5047\u8a2d\u5e73\u5747\u6708\u85aa6\u842c\u5143\uff0c\u53ef\u63a5\u53d7\u7684\u8ca0\u50b5\u6bd4\u70ba60%\uff0c\u8cb8\u6b3e20\u5e74\uff0c\u8cb8\u6b3e\u5229\u7387\u70ba2%\uff1a<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>6\u842c\u5143 x 60% x 100\uff0f0.5 = 720\u842c\u5143<\/p>\n<\/blockquote>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E6%88%BF%E5%B1%8B%E8%B2%B8%E6%AC%BE%E7%89%B9%E8%89%B2\"><\/span>\u623f\u5c4b\u8cb8\u6b3e\u7279\u8272<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table><tbody><tr><td>\u9805\u76ee<\/td><td>\u623f\u5c4b\u8cb8\u6b3e\/\u8cfc\u5c4b\u8cb8\u6b3e<\/td><\/tr><tr><td>\u8cb8\u6b3e\u689d\u4ef6<\/td><td>1.\u5e74\u6eff18\u81f365\u6b72\u4e4b\u570b\u6c11<br>2.\u623f\u5b50\u576a\u657815\u576a\u4ee5\u4e0a\uff08\u5317\u5e0212\u576a\u4ee5\u4e0a\uff09<br>3.\u4e09\u5e74\u5167\u7121\u62d2\u7d55\u5f80\u4f86\u3001\u5446\u5e33\u3001\u903e\u50ac\u6216\u534a\u5e74\u5167\u6709\u5f37\u5236\u505c\u5361\u8005\uff1b<br>\u4f46\u82e5\u5df2\u6e05\u511f\u8005\u5247\u8996\u500b\u4eba\u60c5\u6cc1\u8fa6\u7406\u3002<\/td><\/tr><tr><td>\u8cb8\u6b3e\u984d\u5ea6<\/td><td>\u8cb8\u6b3e\u91d1\u984d\u8996\u623f\u5c4b\u5e02\u503c\u4f30\u50f9\u800c\u5b9a\u3002<br>\u4e00\u822c\u53ef\u8cb88\u6210\u5de6\u53f3<\/td><\/tr><tr><td>\u8cb8\u6b3e\u5e74\u9650<\/td><td>1-40\u5e74 \u672c\u5229\u6524\u9084\u578b\uff1a\u6700\u957740\u5e74\uff0c<br>\u63d0\u4f9b\u6700\u95773\u5e74\u7684\u7e73\u606f\u5bec\u9650\u671f(\u4f9d\u500b\u4eba\u60c5\u6cc1\u800c\u5b9a) \uff0c<br>\u5bec\u9650\u671f\u5167\u53ea\u9084\u5229\u606f\u4e0d\u7528\u6524\u9084\u672c\u91d1\uff0c\u8b93\u60a8\u9084\u6b3e\u66f4\u8f15\u9b06\u3002<\/td><\/tr><tr><td>\u8cb8\u6b3e\u5229\u7387<\/td><td>2%~2.7%&nbsp;&nbsp;(\u672c\u8cb8\u6b3e\u5229\u7387\u9700\u8996\u501f\u6b3e\u4eba\u76f8\u95dc\u689d\u4ef6\u800c\u6709\u4e0d\u540c )\u3002<\/td><\/tr><tr><td>\u6aa2\u9644\u6587\u4ef6<\/td><td>\u96d9\u8b49\u4ef6(\u8eab\u4efd\u8b49+\u5065\u4fdd\u5361\u6216\u99d5\u7167)<br>\u6536\u5165\u8b49\u660e<br>\u5728\u8077\u8b49\u660e<br>\u6236\u7c4d\u8b04\u672c<br>\u571f\u5730\u5efa\u7269\u6240\u6709\u6b0a\u72c0<br>\u5982\u679c\u662f\u8981\u8f49\u8cb8\u9700\u63d0\u4f9b\u623f\u8cb8\u6700\u8fd1\u4e00\u5e74\u7e73\u6b3e\u660e\u7d30<br>\uff08\u5b58\u647a\u5c01\u9762\u53ca\u5167\u9801\u8a18\u9304\u6216\u7e73\u6b3e\u6536\u64da\u6216\u9280\u884c\u5c0d\u5e33\u55ae\uff09<\/td><\/tr><tr><td>\u5c0d\u4fdd\u6240\u9700\u6587\u4ef6<\/td><td>\u623f\u8cb8\u5408\u7d04\u66f8\uff0c\u88e1\u9762\u6703\u8f09\u660e\u8cb8\u6b3e\u91d1\u984d\u3001\u5730\u5740\u3001\u623f\u8cb8\u5229\u7387\u8207\u5e74\u671f<br>\u62b5\u62bc\u6b0a\u8a2d\u5b9a\u540c\u610f\u66f8<br>\u64a5\u6b3e\u59d4\u8a17\u66f8<br>\u571f\u5730\u3001\u5efa\u7bc9\u6539\u826f\u7269\u62b5\u62bc\u6b0a\u8a2d\u5b9a\u5951\u7d04\u66f8<br>\u91d1\u878d\u6263\u6b3e\u59d4\u8a17\u66f8<br>\u706b\u96aa\u5730\u9707\u96aa\u8cfc\u8cb7<\/td><\/tr><tr><td>\u76f8\u95dc\u4e8b\u9805<\/td><td>\u4e09\u5e74\u5167\u6709\u62d2\u7d55\u5f80\u4f86\u3001\u5446\u5e33\u3001\u903e\u50ac\u6216<br>\u534a\u5e74\u5167\u6709\u5f37\u5236\u505c\u5361\u8005\u7121\u6cd5\u7533\u8acb\uff1b<br>\u4f46\u82e5\u5df2\u6e05\u511f\u8005\u5247\u8996\u500b\u4eba\u60c5\u6cc1\u8fa6\u7406\u3002<br>*\u4ee5\u4e0a\u63a8\u85a6\u4e4b\u9280\u884c\u6838\u767c\u91d1\u984d\u8207\u5229\u7387\u4f9d\u500b\u4eba\u689d\u4ef6\u6709\u6240\u4e0d\u540c<br><strong>\u203b\u9280\u884c\u4fdd\u7559\u6838\u8cb8\u8207\u5426\u4e4b\u6b0a\u5229<\/strong><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-\u8fa6\u7406\u623f\u8cb8\u9700\u8981\u6e96\u5099\u4ec0\u9ebc\u8cc7\u6599\">\u8fa6\u7406\u623f\u8cb8\u9700\u8981\u6e96\u5099\u4ec0\u9ebc\u8cc7\u6599?<\/h3>\n\n\n\n<ol class=\"wp-block-list\">\n<li>\u96d9\u8b49\u4ef6:\u8eab\u4efd\u8b49\/\u5065\u4fdd\u5361<\/li>\n\n\n\n<li>\u6536\u5165\u8b49\u660e(\u85aa\u8f49\u5b58\u647a\u8fd16\u500b\u6708\u7684\u51fa\u5165\u660e\u7d30\u53ca\u5c01\u9762)<\/li>\n\n\n\n<li>\u5728\u8077\u8b49\u660e\u6216\u662f\u52de\u4fdd\u7570\u52d5\u660e\u7d30<\/li>\n\n\n\n<li>\u6236\u7c4d\u8b04\u672c<\/li>\n\n\n\n<li>\u571f\u5730\u5efa\u7269\u6240\u6709\u6b0a\u72c0<\/li>\n\n\n\n<li>\u623f\u8cb8\u6700\u8fd1\u4e00\u5e74\u7e73\u6b3e\u660e\u7d30\uff08\u5b58\u647a\u5c01\u9762\u53ca\u5167\u9801\u8a18\u9304\u6216\u7e73\u6b3e\u6536\u64da\u6216\u9280\u884c\u5c0d\u5e33\u55ae\uff09<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-\u7533\u8fa6\u623f\u8cb8\u6d41\u7a0b\u5982\u4e0b\"><span class=\"ez-toc-section\" id=\"%E7%94%B3%E8%BE%A6%E6%88%BF%E8%B2%B8%E6%B5%81%E7%A8%8B%E5%A6%82%E4%B8%8B\"><\/span>\u7533\u8fa6\u623f\u8cb8\u6d41\u7a0b\u5982\u4e0b<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>\u7533\u8acb<\/strong>:\u64a5\u6253\u5c08\u7dda\u6216\u52a0LINE@ ID: @a580 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class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E6%88%BF%E8%B2%B8%E8%B2%A0%E5%82%B5%E6%AF%94QA\"><\/span>\u623f\u8cb8\u8ca0\u50b5\u6bd4QA<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-02\"><strong class=\"schema-faq-question\">\u623f\u8cb8\u8ddf\u6536\u5165\u7684\u6bd4\u4f8b\u591a\u5c11\u662f\u6bd4\u8f03\u597d\u7684\u72c0\u6cc1?<\/strong> <p 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href=\"https:\/\/farenguakao.com\/new-house-loan\/\">\u65b0\u5c4b\u8cb8\u6b3e\u6210\u6578\u5229\u7387\u61f6\u4eba\u5305\uff01\u525b\u4ea4\u5c4b\u53ef\u4ee5\u589e\u8cb8\u4e8c\u80ce\u55ce\uff1f\u8cb7\u65b0\u6210\u5c4b\u8cb8\u6b3e\u7e3d\u6574\u7406\uff01<\/a>&gt;<\/li>\n\n\n\n<li>&lt;<a href=\"https:\/\/farenguakao.com\/loans-housing\/\">\u9ad8\u984d\u623f\u8cb8\u7533\u8acb\uff01\u4f4e\u5229\u7387\u623f\u5c4b\u8cb8\u6b3e\u8207\u9084\u6b3e\u5e74\u9650\u7b49\u5404\u7a2e\u623f\u8cb8\u554f\u984c\u627e\u8cb8\u6b3e\u901a<\/a>&gt;<\/li>\n<\/ul>\n\n\n\n<p>\u4ee5\u4e0a\u5c31\u662f\u8cb8\u6b3e\u901a\u70ba\u5927\u5bb6\u6574\u7406\u7684\u300c\u623f\u8cb8\u8ca0\u50b5\u6bd4\u300d\u8a08\u7b97\uff06\u8cb7\u623f\u524d\u5fc5\u77e5\u539f\u5247\uff01\u5047\u5982\u60a8\u9084\u6709\u66f4\u591a\u4e0d\u6e05\u695a\u7684\u5730\u65b9\uff0c\u4e5f\u6b61\u8fce\u900f\u904e\u7dda\u4e0a\u514d\u8cbb\u5ba2\u670d\u8a62\u554f\u5537\uff01<\/p>\n\n\n\n<p>\u6ce8\u610f:\u5408\u6cd5\u7684\u8cb8\u6b3e\u516c\u53f8\u5728\u64a5\u6b3e\u524d\u662f\u4e0d\u6703\u8ddf\u4f60\u6536\u53d6\u4efb\u4f55\u8cbb\u7528\u7684\u3002\u5408\u6cd5\u7684\u8cb8\u6b3e\u516c\u53f8\u5728\u5c0d\u4fdd\u524d\u662f\u4e0d\u6703\u9700\u8981\u4f60\u7684\u8eab\u5206\u8b49\u8b49\u4ef6\u7684\u4e5f\u4e0d\u9700\u63d0\u4f9b\u5b58\u647a\u57f9\u990a\u9032\u51fa\u8a18\u9304\u7684\u3002<\/p>\n\n\n\n<h2 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