{"id":55921,"date":"2021-12-08T07:41:11","date_gmt":"2021-12-07T23:41:11","guid":{"rendered":"https:\/\/farenguakao.com\/?p=55921"},"modified":"2024-05-10T12:30:46","modified_gmt":"2024-05-10T04:30:46","slug":"interest","status":"publish","type":"post","link":"https:\/\/farenguakao.com\/interest\/","title":{"rendered":"\u8cb8\u6b3e\u5229\u606f\u55ae\u5229\uff0f\u8907\u5229\u7b97\u6cd5\u600e\u9ebc\u7b97\uff1f\u8cb8\u6b3e\u9677\u9631\u5229\u606f\u8a08\u7b97\u539f\u7406\u5927\u516c\u958b\uff01"},"content":{"rendered":"\n<p>\u9280\u884c\u8cb8\u6b3e\u5229\u606f\u8a08\u7b97\u65b9\u5f0f\u70ba\u4f55\uff1f\u5229\u606f\u7b97\u6cd5\u600e\u9ebc\u7b97\uff1f\u6709\u4ec0\u9ebc\u8cb8\u6b3e\u9677\u9631\u61c9\u8a72\u907f\u958b\u5462\uff1f\u8a31\u591a\u4eba\u5728\u8cb8\u6b3e\u524d\u6c92\u6709\u597d\u597d\u7814\u7a76\u5229\u7387\uff0c\u65bc\u662f\u4e0d\u5c0f\u5fc3\u843d\u5165\u8cb8\u6b3e\u9677\u9631\u4e2d\u3002<\/p>\n\n\n\n<p>\u672c\u7bc7\u8cb8\u6b3e\u901a\u5c07\u70ba\u5927\u5bb6\u4ecb\u7d39\u5e38\u898b\u7684\u8cb8\u6b3e\u9677\u9631\u3001\u63a5\u8457\u6559\u5927\u5bb6\u5982\u4f55\u8a08\u7b97\u8cb8\u6b3e\u5e74\u5229\u7387\u3001\u6708\u5229\u7387\uff0c\u6700\u5f8c\u7d71\u6574\u8cb8\u6b3e\u524d\u5fc5\u770b\u7684\u91cd\u8981\u4e8b\u9805\uff01<\/p>\n\n\n\n\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_72 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">\u672c\u6587\u91cd\u9ede\u6bb5\u843d<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/farenguakao.com\/interest\/#2%E5%A4%A7%E5%B8%B8%E8%A6%8B%E8%B2%B8%E6%AC%BE%E5%88%A9%E7%8E%87%E9%99%B7%E9%98%B1%EF%BC%9A%E8%BB%8A%E8%B2%B8%E3%80%81%E4%BF%A1%E7%94%A8%E5%8D%A1%E3%80%81%E9%8A%80%E8%A1%8C%E5%80%9F%E9%8C%A2%E6%84%9B%E6%B3%A8%E6%84%8F%EF%BC%81\" title=\"2\u5927\u5e38\u898b\u8cb8\u6b3e\u5229\u7387\u9677\u9631\uff1a\u8eca\u8cb8\u3001\u4fe1\u7528\u5361\u3001\u9280\u884c\u501f\u9322\u611b\u6ce8\u610f\uff01\">2\u5927\u5e38\u898b\u8cb8\u6b3e\u5229\u7387\u9677\u9631\uff1a\u8eca\u8cb8\u3001\u4fe1\u7528\u5361\u3001\u9280\u884c\u501f\u9322\u611b\u6ce8\u610f\uff01<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/farenguakao.com\/interest\/#%E5%88%A9%E6%81%AF%E8%A8%88%E7%AE%97%E6%96%B9%E5%BC%8F%E7%82%BA%E4%BD%95%EF%BC%9F%E5%B9%B4%E5%88%A9%E7%8E%87%EF%BC%8F%E6%9C%88%E5%88%A9%E7%8E%87%EF%BC%8F%E5%96%AE%E5%88%A9%E8%A4%87%E5%88%A9%E7%AE%97%E6%B3%95%E8%A7%A3%E6%9E%90%EF%BC%81\" title=\"\u5229\u606f\u8a08\u7b97\u65b9\u5f0f\u70ba\u4f55\uff1f\u5e74\u5229\u7387\uff0f\u6708\u5229\u7387\uff0f\u55ae\u5229\u8907\u5229\u7b97\u6cd5\u89e3\u6790\uff01\">\u5229\u606f\u8a08\u7b97\u65b9\u5f0f\u70ba\u4f55\uff1f\u5e74\u5229\u7387\uff0f\u6708\u5229\u7387\uff0f\u55ae\u5229\u8907\u5229\u7b97\u6cd5\u89e3\u6790\uff01<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/farenguakao.com\/interest\/#%E5%9B%BA%E5%AE%9A%E5%88%A9%E7%8E%87%EF%BC%8F%E6%B5%AE%E5%8B%95%E5%88%A9%E7%8E%87%E5%B7%AE%E5%9C%A8%E5%93%AA%EF%BC%9F%E6%80%8E%E9%BA%BC%E9%81%B8%EF%BC%9F\" title=\"\u56fa\u5b9a\u5229\u7387\uff0f\u6d6e\u52d5\u5229\u7387\u5dee\u5728\u54ea\uff1f\u600e\u9ebc\u9078\uff1f\">\u56fa\u5b9a\u5229\u7387\uff0f\u6d6e\u52d5\u5229\u7387\u5dee\u5728\u54ea\uff1f\u600e\u9ebc\u9078\uff1f<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/farenguakao.com\/interest\/#%E6%B0%91%E9%96%93%E8%B2%B8%E6%AC%BE%E3%80%8C%E4%B8%80%E5%88%86%E5%88%A9%E3%80%8D%E6%98%AF%E4%BB%80%E9%BA%BC%E6%84%8F%E6%80%9D%EF%BC%9F\" title=\"\u6c11\u9593\u8cb8\u6b3e\u300c\u4e00\u5206\u5229\u300d\u662f\u4ec0\u9ebc\u610f\u601d\uff1f\">\u6c11\u9593\u8cb8\u6b3e\u300c\u4e00\u5206\u5229\u300d\u662f\u4ec0\u9ebc\u610f\u601d\uff1f<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/farenguakao.com\/interest\/#%E7%B5%90%E8%AB%96\" title=\"\u7d50\u8ad6\">\u7d50\u8ad6<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/farenguakao.com\/interest\/#%E5%88%A9%E7%8E%87QA\" title=\"\u5229\u7387QA\">\u5229\u7387QA<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/farenguakao.com\/interest\/#%E6%9C%89%E6%9B%B4%E5%A4%9A_%E8%B2%B8%E6%AC%BE_%E5%95%8F%E9%A1%8C%E6%83%B3%E8%AB%AE%E8%A9%A2%E8%A9%B2%E6%80%8E%E9%BA%BC%E5%81%9A%EF%BC%9F\" title=\"\u6709\u66f4\u591a \u8cb8\u6b3e \u554f\u984c\u60f3\u8aee\u8a62\u8a72\u600e\u9ebc\u505a\uff1f\">\u6709\u66f4\u591a \u8cb8\u6b3e \u554f\u984c\u60f3\u8aee\u8a62\u8a72\u600e\u9ebc\u505a\uff1f<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\" id=\"h-2\u5927\u5e38\u898b\u8cb8\u6b3e\u5229\u7387\u9677\u9631-\u8eca\u8cb8-\u4fe1\u7528\u5361-\u9280\u884c\u501f\u9322\u611b\u6ce8\u610f\"><span class=\"ez-toc-section\" id=\"2%E5%A4%A7%E5%B8%B8%E8%A6%8B%E8%B2%B8%E6%AC%BE%E5%88%A9%E7%8E%87%E9%99%B7%E9%98%B1%EF%BC%9A%E8%BB%8A%E8%B2%B8%E3%80%81%E4%BF%A1%E7%94%A8%E5%8D%A1%E3%80%81%E9%8A%80%E8%A1%8C%E5%80%9F%E9%8C%A2%E6%84%9B%E6%B3%A8%E6%84%8F%EF%BC%81\"><\/span> 2\u5927\u5e38\u898b\u8cb8\u6b3e\u5229\u7387\u9677\u9631\uff1a\u8eca\u8cb8\u3001\u4fe1\u7528\u5361\u3001\u9280\u884c\u501f\u9322\u611b\u6ce8\u610f\uff01<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u5229\u606f\u662f\u4ec0\u9ebc\uff1f\u6240\u8b02\u7684\u300c\u5229\u606f\u300d\u6307\u7684\u662f\u300c\u672c\u91d1\u300d\u7d93\u904e\u4e00\u6bb5\u6642\u9593\u5f8c\uff0c\u96a8\u8457\u300c\u5229\u7387\u300d\u8a08\u7b97\u800c\u7522\u751f\u7684\u91d1\u984d\uff0c\u662f\u70ba\u501f\u8cb8\u6210\u672c\u3002<\/p>\n\n\n\n<p>\u5f9e\u5b58\u9322\u7684\u89d2\u5ea6\u4f86\u8aaa\uff0c\u5229\u606f\u662f\u5831\u916c\uff1b\u5f9e\u501f\u8cb8\u7684\u89d2\u5ea6\u4f86\u8aaa\uff0c\u5229\u606f\u662f\u6642\u9593\u6210\u672c\uff0c\u4e5f\u662f\u653e\u6b3e\u4eba\u4e3b\u8981\u7684\u7372\u5229\u4f86\u6e90\u3002<\/p>\n\n\n\n<p>\u727d\u626f\u5230\u91d1\u9322\u5f80\u4f86\u7e3d\u662f\u9700\u8981\u683c\u5916\u6ce8\u610f\uff0c\u4ee5\u4e0b\u5c31\u914c\u5217 2 \u5927\u5e38\u898b\u7684\u8cb8\u6b3e\u5229\u606f\u76f2\u9ede\uff0c\u70ba\u5927\u5bb6\u907f\u4e00\u907f\u9677\u9631\uff01<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">1\u3001\u5e38\u898b\uff10\u5229\u7387\u9677\u9631<\/h3>\n\n\n\n<p>\u300c\uff10\u5229\u7387\u300d\u4e00\u8a5e\u7d93\u5e38\u51fa\u73fe\u5728\u8eca\u8cb8\u3001\u4fe1\u7528\u5361\u5206\u671f\u7b49\u72c0\u6cc1\uff0c\u771f\u7684\uff10\u5229\u7387\u55ce\uff1f\u4e00\u8d77\u4f86\u770b\u770b\uff01<\/p>\n\n\n\n<p><strong>\u25b2 \u8eca\u8cb8\uff10\u5229\u7387\u662f\u9677\u9631\u55ce\uff1f<\/strong><\/p>\n\n\n\n<p>\u5c0d\u65bc\u9810\u7b97\u4e0d\u8db3\u7684\u6d88\u8cbb\u8005\u4f86\u8aaa\uff0c\u8eca\u5546\u6253\u51fa\u7684\u300c\u8cfc\u8eca\u5206\u671f\u96f6\u5229\u7387\u300d\u53ef\u8aaa\u662f\u76f8\u7576\u5438\u5f15\u4eba\uff01\u4f46\u662f\u4f60\u77e5\u9053\uff0c\u300c\u5206\u671f\u8cfc\u8eca\u300d\u548c\u300c\u73fe\u91d1\u8cfc\u8eca\u300d\u7684\u50f9\u5dee\u53ef\u80fd\u9ad8\u9054\uff15\u842c\u5143\u4ee5\u4e0a\u5594\uff01<\/p>\n\n\n\n<p>\u6240\u8b02\u7684\uff10\u5229\u7387\u53ea\u662f\u628a\u5229\u606f\u5148\u52a0\u5165\u4f75\u5728\u8eca\u50f9\u88e1\uff0c\u548c\u73fe\u91d1\u50f9\u7522\u751f\u7684\u50f9\u5dee\u81ea\u7136\u5c31\u662f\u8eca\u8cb8\u7684\u5229\u606f\uff01<\/p>\n\n\n\n<p>\u5ef6\u4f38\u95b1\u8b80:&lt;<a href=\"https:\/\/farenguakao.com\/zero-interest-rate-car-loan\/\">\u8cb7\u8eca\u8cb8\u6b3e\u4f4e\u6708\u4ed8\u3001\u96f6\u5229\u7387\u6709\u7701\u5230\u55ce\uff1f\u771f\u7684\u67090\u5229\u7387\u55ce?\u8cfc\u8eca\u6700\u512a\u60e0\u6642\u9593\u662f?<\/a>&gt;<\/p>\n\n\n\n<p><strong>\u25b2 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class=\"wp-block-heading\">2\u3001\u9280\u884c\u8cb8\u6b3e\u5e38\u898b\u9677\u9631<\/h3>\n\n\n\n<p>\u548c\u9280\u884c\u501f\u8cb8\u4e5f\u8a31\u662f\u8f03\u70ba\u5b89\u5168\u5e38\u898b\u7684\u9078\u64c7\uff0c\u4f46\u662f\u4e5f\u6709\u4e9b\u7709\u7709\u89d2\u89d2\u8981\u6ce8\u610f\uff0c\u4ee5\u514d\u4e00\u4e0d\u7559\u610f\u5c31\u9677\u5165\u8cb8\u6b3e\u76f2\u5340\u5594\uff01<\/p>\n\n\n\n<p><strong>\u25b2 \u300c\u6708\u5229\u7387\u300dvs\u300c\u5e74\u5229\u7387\u300d\u5dee\u5f88\u5927\uff01<\/strong><\/p>\n\n\n\n<p>\u5982\u807d\u5230\u5229\u7387\u5f88\u4f4e\u6bd4\u59821.44%\u30011.56%\u7b49\u7b49\uff0c\u5148\u5225\u9ad8\u8208\u5f97\u592a\u65e9\uff0c\u61c9\u8a72\u5148\u78ba\u8a8d\u662f\u6708\u5229\u7387\u6216\u8005\u5e74\u5229\u7387\uff0c\u6216\u662f\u524d\u4f4e\u5f8c\u9ad8\u7684\u65b9\u5f0f(\u524d\u4e09\u671f\u662f\u75281.44\uff0c\u7b2c\u56db\u671f\u4e4b\u5f8c\u53c8\u6210\u53e6\u4e00\u500b\u5229\u7387)\u3002<\/p>\n\n\n\n<p>\u5be6\u969b\u4e0a\u4e00\u5e74\u5f8c\uff0c\u7528\u6708\u5229\u7387\u652f\u4ed8\u7684\u5229\u606f\u6703\u6bd4\u5e74\u5229\u7387\u8981\u591a\u3002<\/p>\n\n\n\n<p><strong>\u25b2 \u300c\u56fa\u5b9a\u5229\u7387\u300dvs\u300c\u6d6e\u52d5\u5229\u7387\u300d\u600e\u9ebc\u9078\uff1f<\/strong><\/p>\n\n\n\n<p>\u9280\u884c\u63a8\u51fa\u7684\u8cb8\u6b3e\uff0c\u901a\u5e38\u6703\u5e0c\u671b\u5ba2\u6236\u9078\u64c7\u300c\u6d6e\u52d5\u5229\u7387\u300d\uff0c\u56e0\u6b64\u6703\u5c07\u300c\u56fa\u5b9a\u5229\u7387\u300d\u8a2d\u5b9a\u5f97\u8f03\u300c\u6d6e\u52d5\u5229\u7387\u300d\u7a0d\u5fae\u9ad8\u4e9b\uff0c\u6216\u662f\u796d\u51fa\u5bec\u9650\u671f\u3001\u524d\u5e7e\u5e74\u8d85\u4f4e\u56fa\u5b9a\u5229\u7387\u7b49\u65b9\u6848\uff0c\u4f86\u5438\u5f15\u5ba2\u6236\u7533\u8cb8\u3002<\/p>\n\n\n\n<p>\u8a18\u5f97\u8981\u4ed4\u7d30\u8a66\u7b97\u5229\u7387\u65b9\u6848\u4ee5\u514d\u56e0\u5c0f\u5931\u5927\u3002<\/p>\n\n\n\n<p><strong>\u25b2 \u52d9\u5fc5\u4ed4\u7d30\u78ba\u8a8d\u8cb8\u6b3e\u65b9\u6848<\/strong><\/p>\n\n\n\n<p>\u8cb8\u6b3e\u65b9\u6848\u5404\u6709\u5dee\u7570\uff0c\u7533\u8cb8\u524d\u61c9\u8a72\u597d\u597d\u4e86\u89e3\u8cb8\u6b3e\u5229\u7387\u8a08\u7b97\u65b9\u5f0f\u3001\u9084\u6b3e\u5e74\u9650\u3001\u9084\u6b3e\u91d1\u984d\u3001\u6709\u7121\u7d81\u7d04\u662f\u5426\u53ef\u4ee5\u63d0\u65e9\u9084\u6b3e\uff1f\u4e14\u9664\u4e86\u5229\u606f\u5916\uff0c\u8fa6\u7406\u5404\u7a2e\u8cb8\u6b3e\u6642\u6709\u7121\u5176\u4ed6\u7684\u8cbb\u7528\uff1f\u4f8b\u5982\u958b\u8fa6\u8cbb\u3001\u624b\u7e8c\u8cbb\u3001\u806f\u5fb5\u8cbb\u7b49\u7b49\u3002<\/p>\n\n\n\n<p><strong>\u25b2 \u806f\u5fb5\u904e\u65bc\u983b\u7e41<\/strong><\/p>\n\n\n\n<p>\u4e00\u65e6\u7533\u8acb\u8cb8\u6b3e\uff0c\u4fbf\u6703\u9032\u884c\u806f\u5fb5\uff0c\u800c\u806f\u5fb5\u6b21\u6578\u904e\u591a\u3001\u904e\u65bc\u5bc6\u96c6\u5c07\u6703\u5728\u5fb5\u4fe1\u8a18\u9304\u8a3b\u8a18\u3002<\/p>\n\n\n\n<p>\u5ef6\u4f38\u95b1\u8b80:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>&lt;<a href=\"https:\/\/farenguakao.com\/trap-credit-loan\/\">\u4fe1\u8cb8\u9677\u9631\u61f6\u4eba\u5305\uff01\u641e\u61c2\u4fe1\u8cb8\u624b\u7e8c\u8cbb\u3001\u958b\u8fa6\u8cbb\uff0c\u7834\u9664\u4f4e\u5229\u7387\u8ff7\u601d\uff01<\/a>&gt;<\/li>\n\n\n\n<li>&lt;<a href=\"https:\/\/farenguakao.com\/loans-credit\/\">3\u5206\u9418\u8b93\u4f60\u77ad\u89e3\u4fe1\u7528\u8cb8\u6b3e\uff01\u4e0d\u518d\u767c\u751f\u4fe1\u7528\u8a55\u5206\u4e0d\u8db3\u4fe1\u8cb8\u96e3\u8fa6\u7684\u554f\u984c<\/a>&gt;<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E5%88%A9%E6%81%AF%E8%A8%88%E7%AE%97%E6%96%B9%E5%BC%8F%E7%82%BA%E4%BD%95%EF%BC%9F%E5%B9%B4%E5%88%A9%E7%8E%87%EF%BC%8F%E6%9C%88%E5%88%A9%E7%8E%87%EF%BC%8F%E5%96%AE%E5%88%A9%E8%A4%87%E5%88%A9%E7%AE%97%E6%B3%95%E8%A7%A3%E6%9E%90%EF%BC%81\"><\/span>\u5229\u606f\u8a08\u7b97\u65b9\u5f0f\u70ba\u4f55\uff1f\u5e74\u5229\u7387\uff0f\u6708\u5229\u7387\uff0f\u55ae\u5229\u8907\u5229\u7b97\u6cd5\u89e3\u6790\uff01<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u5229\u606f\u7684\u8a08\u7b97\u65b9\u5f0f\u4e00\u822c\u4f86\u8aaa\u53ef\u4ee5\u5206\u70ba\u300c\u6708\u5229\u7387\u300d\u6216\u300c\u5e74\u5229\u7387\u300d\uff0c\u5169\u7a2e\u8a08\u7b97\u65b9\u5f0f\u6709\u4f55\u5dee\u7570\uff1f\u4e0b\u9762\u5c31\u70ba\u5404\u4f4d\u8a73\u7d30\u8aaa\u660e\uff01<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">1\u3001\u6708\u5229\u7387\uff0f\u5e74\u5229\u7387\u662f\u4ec0\u9ebc\uff1f\u5dee\u5225\u70ba\u4f55\uff1f\u5982\u4f55\u8a08\u7b97\uff1f<\/h3>\n\n\n\n<p>\u300c\u6708\u5229\u7387\u300d\u6307\u7684\u5c31\u662f\u300c\u4ee5\u6708\u8a08\u606f\u300d\u6bcf\u500b\u6708\u6839\u64da\u5229\u7387\u8a08\u7b97\u4e00\u6b21\u5229\u606f\uff0c\u5e38\u898b\u65bc\u6c11\u9593\u8cb8\u6b3e\u3001\u7576\u92ea\u6216\u79c1\u4eba\u91d1\u878d\u7ba1\u9053\u3002<\/p>\n\n\n\n<p>\u300c\u5e74\u5229\u7387\u300d\u662f\u6307\u300c\u4ee5\u5e74\u8a08\u606f\u300d\u7684\u5229\u7387\uff0c\u6bcf\u5e74\u8a08\u7b97\u4e00\u6b21\u5229\u606f\uff0c\u901a\u5e38\u662f\u9280\u884c\u3001\u4fe1\u7528\u5361\u9072\u7e73\u5229\u606f\u7b49\u5229\u606f\u8a08\u7b97\u57fa\u790e\u3002<\/p>\n\n\n\n<p>\u800c\u5e74\u5229\u7387\u548c\u6708\u5229\u7387\u7684\u8a08\u7b97\u65b9\u5f0f\uff0c\u5c31\u662f\u4ee5<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>\u6708\u5229\u7387 \u00d7 12\u500b\u6708 = \u5e74\u5229\u7387<\/p>\n<\/blockquote>\n\n\n\n<p>\u5982\u679c\u60f3\u8981\u7b49\u6bd4\u4ee5\u6708\u5229\u7387\u8a08\u7b97\u5e74\u5229\u7387\uff0c\u53ef\u4ee5\u5957\u7528\u4ee5\u4e0b\u516c\u5f0f\uff1a<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>\u5e74\u5229\u7387 = ( 1 +\u6708\u5229\u7387 ) \u768412\u6b21\u65b9-1<\/p>\n<\/blockquote>\n\n\n\n<p>\u8981\u6ce8\u610f\u7684\u662f\uff0c\u6709\u6642\u5019\u53ef\u4ee5\u770b\u898b\u8cb8\u6b3e\u6253\u8457\u8d85\u4f4e\u5229\u7387\u7684\u5ee3\u544a\uff0c\u4e4d\u770b\u4e4b\u4e0b\u6bcf\u500b\u6708\u6240\u8981\u7e73\u7d0d\u7684\u91d1\u984d\u4f3c\u4e4e\u8b8a\u5c0f\u4e86\uff0c\u4ee5\u70ba\u8ca0\u64d4\u8f03\u70ba\u8f15\u9b06\uff0c\u7136\u800c\u6b64\u6642\u6240\u9069\u7528\u7684\u5229\u7387\u662f\u4ee5\u6708\u5229\u7387\u4f86\u8a08\u7b97\u7684\uff0c\u5176\u5be6\u4e26\u4e0d\u898b\u5f97\u6bd4\u8f03\u5212\u7b97\u5594\uff01<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">2\u3001\u55ae\u5229\uff0f\u8907\u5229\u5982\u4f55\u8a08\u7b97\uff1f\u6709\u4f55\u5dee\u5225\uff1f<\/h3>\n\n\n\n<p>\u5229\u606f\u7684\u65b9\u5f0f\u53ef\u4ee5\u5206\u6210\u300c\u55ae\u5229\u300d\u53ca\u300c\u8907\u5229\u300d\uff0c\u5176\u4e2d\u8a08\u7b97\u65b9\u5f0f\u6709\u5f88\u5927\u7684\u5dee\u7570\u3002<\/p>\n\n\n\n<p>\u5927\u90e8\u5206\u501a\u8cf4\u6536\u53d6\u5229\u606f\u76c8\u5229\u7684\u8cb8\u6b3e\u516c\u53f8\u3001\u9280\u884c\u7686\u662f\u63a1\u8907\u5229\u8a08\u7b97\u7684\uff0c\u4e5f\u5c31\u662f\u4fd7\u7a31\u7684\u300c\u5229\u6efe\u5229\u300d\uff0c\u56e0\u6b64\u5343\u842c\u5225\u6709\u50b5\u4e0d\u9084\uff0c\u53ea\u6703\u8d8a\u7d2f\u7a4d\u8d8a\u591a\u5440\uff01<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u55ae\u5229\u8a08\u7b97\uff1a\u672c\u91d1\u7522\u751f\u5229\u606f\uff0c\u672c\u91d1\u7522\u751f\u7684\u5229\u606f\u4e26\u4e0d\u6703\u518d\u91cd\u8907\u8a08\u7b97\u5229\u606f\u3002<\/li>\n\n\n\n<li>\u8907\u5229\u8a08\u7b97\uff1a\u628a\u672c\u91d1\u884d\u751f\u7684\u5229\u606f\u5408\u4f75\u8a08\u5165\uff0c\u518d\u91cd\u8907\u7522\u751f\u5229\u606f\u3002<\/li>\n<\/ul>\n\n\n\n<p><strong>\u55ae\u5229\u8a08\u7b97\u516c\u5f0f\uff1a<\/strong><\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>\u55ae\uf9dd\u5229\u606f = \u672c\uf90a \u00d7 \uf9dd\uf961 \u00d7 \u671f\u6578<\/p>\n\n\n\n<p>\u672c\uf9dd\u548c = \u672c\uf90a \u00d7 ( 1 + \u5229\u7387 \u00d7 \u671f\u6578 )<\/p>\n<\/blockquote>\n\n\n\n<p><strong>\u8907\u5229\u8a08\u7b97\u516c\u5f0f\uff1a<\/strong><\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>\u672c\uf9dd\u548c = \u672c\uf90a \u00d7 ( 1 + \u5229\u7387 ) ^ \u671f\u6578<\/p>\n<\/blockquote>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E5%9B%BA%E5%AE%9A%E5%88%A9%E7%8E%87%EF%BC%8F%E6%B5%AE%E5%8B%95%E5%88%A9%E7%8E%87%E5%B7%AE%E5%9C%A8%E5%93%AA%EF%BC%9F%E6%80%8E%E9%BA%BC%E9%81%B8%EF%BC%9F\"><\/span>\u56fa\u5b9a\u5229\u7387\uff0f\u6d6e\u52d5\u5229\u7387\u5dee\u5728\u54ea\uff1f\u600e\u9ebc\u9078\uff1f<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u56fa\u5b9a\u5229\u7387\u548c\u6d6e\u52d5\u5229\u7387\u5404\u6709\u512a\u7f3a\u9ede\uff0c\u8a72\u9078\u64c7\u54ea\u7a2e\u5229\u7387\u8a08\u7b97\u65b9\u5f0f\u66f4\u597d\uff1f\u5169\u8005\u512a\u7f3a\u9ede\u9019\u5c31\u6574\u7406\u7d66\u4f60\u770b\uff01<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u56fa\u5b9a\u5229\u7387<\/h3>\n\n\n\n<p>\u6307\u7684\u662f\u5951\u7d04\u6642\u9593\u5167\u7684\u5229\u7387\u7686\u56fa\u5b9a\uff0c\u4e26\u4e0d\u53d7\u5e02\u5834\u8d77\u4f0f\u5f71\u97ff\u3002\u9069\u5408\u6295\u8cc7\u3001\u5b58\u6b3e\u4eba\u6216\u77ed\u671f\u501f\u8cb8\u8005\u3002<\/p>\n\n\n\n<p>\u512a\u9ede\u662f\u5229\u7387\u4e0d\u6703\u8b8a\u52d5\uff0c\u6bcf\u500b\u6708\u6536\u5165\u6216\u652f\u51fa\u7a69\u5b9a\uff0c\u4e0d\u6703\u56e0\u70ba\u5229\u7387\u6d6e\u52d5\u589e\u52a0\u800c\u9700\u8981\u591a\u4ed8\u66f4\u591a\u5229\u606f\u3002<\/p>\n\n\n\n<p>\u53cd\u4e4b\uff0c\u7f3a\u9ede\u662f\u5229\u7387\u4e0a\u6f32\u6642\u6c92\u8fa6\u6cd5\u8ddf\u4e0a\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u6d6e\u52d5\u5229\u7387<\/h3>\n\n\n\n<p>\u6d6e\u52d5\u5229\u7387\u53c8\u7a31\u6a5f\u52d5\u5229\u7387\uff0c\u6703\u96a8\u8457\u592e\u884c\u5347\u606f\u964d\u606f\u3002\u9069\u5408\u623f\u8cb8\u3001\u9577\u671f\u8cb8\u6b3e\u3001\u53ef\u627f\u53d7\u98a8\u96aa\u7684\u6295\u8cc7\u8005\u3002<\/p>\n\n\n\n<p>\u6d6e\u52d5\u5229\u7387\u7684\u512a\u9ede\u662f\u96a8\u8457\u5e02\u5834\u666f\u6c23\u8b8a\u5316\uff0c\u6709\u6a5f\u6703\u63d0\u9ad8\u7372\u5229\uff0c\u76f8\u5c0d\u7684\u7f3a\u9ede\u5c31\u662f\u5f97\u627f\u64d4\u98a8\u96aa\u3002<\/p>\n\n\n\n<p>\u5ef6\u4f38\u95b1\u8b80:&lt;<a href=\"https:\/\/farenguakao.com\/comparative-mortgage-interest-rate\/\">\u623f\u8cb8\u5229\u7387\u600e\u9ebc\u9078\uff1f\u4e00\u6bb5\u5f0f\u5229\u7387\u53ca\u5206\u6bb5\u5f0f\u5229\u7387\uff0c\u90a3\u7a2e\u623f\u8cb8\u5229\u7387\u6bd4\u8f03\u597d\uff1f<\/a>&gt;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E6%B0%91%E9%96%93%E8%B2%B8%E6%AC%BE%E3%80%8C%E4%B8%80%E5%88%86%E5%88%A9%E3%80%8D%E6%98%AF%E4%BB%80%E9%BA%BC%E6%84%8F%E6%80%9D%EF%BC%9F\"><\/span>\u6c11\u9593\u8cb8\u6b3e\u300c\u4e00\u5206\u5229\u300d\u662f\u4ec0\u9ebc\u610f\u601d\uff1f<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u6c11\u9593\u501f\u8cb8\u5ee3\u544a\u5e38\u5e38\u6703\u898b\u5230\u300c\uff38\u5206\u5229\u300d\u9019\u500b\u8a5e\uff0c\u800c\u6240\u7a31\u7684\u300c\u4e00\u5206\u5229\u300d\u3001\u300c\u4e09\u5206\u5229\u300d\u3001\u300c\u4e94\u5206\u5229\u300d\u7b49\uff0c\u5176\u5be6\u5c31\u662f\u6708\u5229\u7387\u7684\u610f\u601d\u3002<\/p>\n\n\n\n<p>\u4e00\u5206\u5229\u901a\u5e38\u6307\u7684\u5c31\u662f<strong>\u6708\u5229\u73871%<\/strong>\uff0c<strong>\u4e09\u5206\u5229\u5c31\u662f3%<\/strong>\u3002<\/p>\n\n\n\n<p>\u4e00\u5206\u5229\u662f\u6708\u606f1%\u7684\u610f\u601d\uff0c\u4e5f\u5c31\u662f\u8cb8\u6b3e\u65b0\u53f0\u5e631\u842c\u5143\uff0c\u6bcf\u500b\u6708\u5fc5\u9808\u652f\u4ed8100\u5143\u7684\u5229\u606f\u3002<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table><tbody><tr><td>\u8cb8\u6b3e\u9805\u76ee<\/td><td>\u5229\u7387<\/td><\/tr><tr><td><a href=\"https:\/\/farenguakao.com\/folk-land-loan\/\">\u6c11\u9593\u571f\u5730\u8cb8\u6b3e<\/a><\/td><td>\u6bcf\u500b\u6708\u5229\u7387\u70ba1%\uff5e3%(1\u5206~3\u5206)<\/td><\/tr><tr><td><a href=\"https:\/\/farenguakao.com\/private-home-loans2\/\">\u6c11\u9593\u623f\u5c4b\u8cb8\u6b3e<\/a><\/td><td>\u6bcf\u500b\u6708\u5229\u7387\u70ba1%\uff5e3%(1\u5206~3\u5206)<\/td><\/tr><tr><td>\u6c11\u9593\u6c7d\u6a5f\u8eca\u8cb8\u6b3e<\/td><td>\u6bcf\u500b\u67082%~4%(2\u5206~4\u5206)<\/td><\/tr><tr><td><a href=\"https:\/\/farenguakao.com\/private-credit\/\">\u6c11\u9593\u4fe1\u7528\u8cb8\u6b3e<\/a><\/td><td>\u6bcf\u500b\u67082.5%~5%(2.5\u5206~5\u5206)<\/td><\/tr><tr><td>\u6c11\u9593\u7968\u8cbc<\/td><td>\u6bcf\u500b\u67081%~7%(1\u5206~7\u5206)<\/td><\/tr><tr><td>\u6c11\u9593\u7576\u92ea<\/td><td>\u6bcf\u500b\u67083%~9%(3\u5206~9\u5206)<\/td><\/tr><tr><td>\u6c11\u9593\u516c\u53f8\u4f01\u696d\u8cb8\u6b3e<\/td><td>\u6bcf\u67081%~5%(1\u5206~5\u5206)<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>\u5927\u6982\u4f86\u5206\u662f\u6709\u64d4\u4fdd\u54c1\u7684\u8cb8\u6b3e\u5229\u7387\u6703\u6bd4\u8f03\u4f4e\u4e00\u9ede\uff0c\u800c\u7968\u8cbc\u56e0\u70ba\u652f\u7968\u96a8\u6642\u90fd\u6709\u53ef\u80fd\u8df3\u7968\uff0c\u91d1\u4e3b\u627f\u64d4\u7684\u98a8\u96aa\u8f03\u5927\uff0c\u56e0\u6b64\u7968\u8cbc\u7684\u5229\u7387\u4e5f\u6703\u6bd4\u8f03\u9ad8\u3002<\/p>\n\n\n\n<p>\u6c11\u9593\u6c7d\u6a5f\u8eca\u8cb8\u6b3e\u9700\u8981\u8a2d\u5b9a\u52d5\u7522\u62b5\u62bc\u6b0a(\u52d5\u4fdd\u8a2d\u5b9a)\u4e5f\u6709\u5206\u7559\u8eca\u6216\u662f\u4e0d\u7559\u8eca\u7684\uff1b\u7559\u8eca\u7684\u8cb8\u6b3e\u5229\u606f\u6703\u6bd4\u8f03\u4f4e\u4e00\u9ede\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E7%B5%90%E8%AB%96\"><\/span>\u7d50\u8ad6<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u672c\u7bc7\u4e00\u5171\u70ba\u5927\u5bb6\u6574\u7406\u4e86\u56db\u500b\u5927\u91cd\u9ede\uff1a<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>\u8cb8\u6b3e\u5e38\u898b\u7684\u9677\u9631\uff1a\uff10\u5229\u7387\u9677\u9631\u3001\u9280\u884c\u8cb8\u6b3e\u76f2\u5340\u7b49\u3002<\/li>\n\n\n\n<li>\u6708\u5229\u7387\uff0f\u5e74\u5229\u7387\u5982\u4f55\u8a08\u7b97\u3001\u516c\u5f0f\u5206\u4eab\u3002<\/li>\n\n\n\n<li>\u56fa\u5b9a\u5229\u7387\uff0f\u6d6e\u52d5\u5229\u7387\u512a\u7f3a\u9ede\u5206\u6790\u3002<\/li>\n\n\n\n<li>\u6c11\u9593\u8cb8\u6b3e\u4e00\u5206\u5229\u4e5f\u5c31\u662f\u8cb8\u6b3e\u65b0\u53f0\u5e631\u842c\u5143\uff0c\u6bcf\u500b\u6708\u5fc5\u9808\u652f\u4ed8100\u5143\u7684\u5229\u606f\u3002 <\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E5%88%A9%E7%8E%87QA\"><\/span>\u5229\u7387QA<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-33\"><strong class=\"schema-faq-question\">\u6708\u5229\u7387\u53ca\u5e74\u5229\u7387\u5dee\u5225\u70ba\u4f55\uff1f <\/strong> <p class=\"schema-faq-answer\">\u300c\u6708\u5229\u7387\u300d\u6307\u7684\u5c31\u662f\u300c\u4ee5\u6708\u8a08\u606f\u300d\u6bcf\u500b\u6708\u6839\u64da\u5229\u7387\u8a08\u7b97\u4e00\u6b21\u5229\u606f\uff0c\u5e38\u898b\u65bc\u6c11\u9593\u8cb8\u6b3e\u3001\u7576\u92ea\u6216\u79c1\u4eba\u91d1\u878d\u7ba1\u9053\uff1b\u300c\u5e74\u5229\u7387\u300d\u662f\u6307\u300c\u4ee5\u5e74\u8a08\u606f\u300d\u7684\u5229\u7387\uff0c\u6bcf\u5e74\u8a08\u7b97\u4e00\u6b21\u5229\u606f\uff0c\u901a\u5e38\u662f\u9280\u884c\u3001\u4fe1\u7528\u5361\u9072\u7e73\u5229\u606f\u7b49\u5229\u606f\u8a08\u7b97\u57fa\u790e\u3002<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-49\"><strong class=\"schema-faq-question\">\u56fa\u5b9a\u5229\u7387\u53ca\u6d6e\u52d5\u5229\u7387\u5dee\u5728\u54ea\uff1f<\/strong> <p class=\"schema-faq-answer\">\u56fa\u5b9a\u5229\u7387\u6307\u7684\u662f\u5951\u7d04\u6642\u9593\u5167\u7684\u5229\u7387\u7686\u56fa\u5b9a\uff0c\u4e26\u4e0d\u53d7\u5e02\u5834\u8d77\u4f0f\u5f71\u97ff\u3002<br\/>\u6d6e\u52d5\u5229\u7387\u53c8\u7a31\u6a5f\u52d5\u5229\u7387\uff0c\u6703\u96a8\u8457\u592e\u884c\u5347\u606f\u964d\u606f\u3002<\/p> <\/div> <\/div>\n\n\n\n<p>\u4ee5\u4e0a\uff0c\u5e0c\u671b\u5404\u4f4d\u5728\u8cb8\u6b3e\u6642\u90fd\u80fd\u6e05\u695a\u4ed4\u7d30\u95b1\u8b80\uff0c\u9664\u4e86\u80fd\u5920\u907f\u958b\u8cb8\u6b3e\u9677\u9631\u4e4b\u5916\uff0c\u9084\u80fd\u81ea\u884c\u8a08\u7b97\u5408\u7406\u7684\u5229\u7387\u7bc4\u570d\uff01<\/p>\n\n\n\n<p>\u5982\u679c\u6709\u66f4\u591a\u5229\u7387\u554f\u984c\uff0c\u4e5f\u6b61\u8fce\u5404\u4f4d\u591a\u52a0\u5229\u7528\u8cb8\u6b3e\u901a\u7dda\u4e0a\u514d\u8cbb\u5ba2\u670d\u8aee\u8a62\uff0c\u63d0\u4f9b\u60a8\u6700\u6e05\u695a\u7684\u8cb8\u6b3e\u8a66\u7b97\uff06\u672c\u5229\u548c\u91d1\u984d\uff0c\u6e05\u695a\u638c\u63e1\u8cb8\u6b3e\u7d30\u7bc0\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 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E6%9C%89%E6%9B%B4%E5%A4%9A_%E8%B2%B8%E6%AC%BE_%E5%95%8F%E9%A1%8C%E6%83%B3%E8%AB%AE%E8%A9%A2%E8%A9%B2%E6%80%8E%E9%BA%BC%E5%81%9A%EF%BC%9F\"><\/span>\u6709\u66f4\u591a \u8cb8\u6b3e \u554f\u984c\u60f3\u8aee\u8a62\u8a72\u600e\u9ebc\u505a\uff1f<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<div class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<p class=\"has-pale-cyan-blue-background-color has-background\" id=\"block-33df63c6-1afd-4313-b5e0-a25b99c87a3d\">\u5982\u6709\u5176\u4ed6\u60f3\u8981\u4e86\u89e3\u7684\u6b61\u8fce\u4f86\u96fb\u514d\u8cbb\u8aee\u8a62\u6216\u586b\u5beb\u7dda\u4e0a\u8868\u55ae\u7531\u5c08\u4eba\u70ba\u60a8\u670d\u52d9\uff01\u64a5\u6253\u5c08\u7dda\u6216\u52a0LINE@ ID: @a580 \u514d\u8cbb\u8aee\u8a62\u5c08\u7dda0975751798\u8cf4\u7d93\u7406\u3002<\/p>\n\n\n\n<figure class=\"wp-block-image is-resized\" 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\u8cb8\u6b3e\u5229\u606f\u55ae\u5229\uff0f\u8907\u5229\u7b97\u6cd5\u600e\u9ebc\u7b97\uff1f\u8cb8\u6b3e\u9677\u9631\u5229\u606f\u8a08\u7b97\u539f\u7406\u5927\u516c\u958b\uff01\">\u95b1\u8b80\u66f4\u591a<\/a><\/p>\n","protected":false},"author":2,"featured_media":95076,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[6],"tags":[],"class_list":["post-55921","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-creditloans","generate-columns","tablet-grid-50","mobile-grid-100","grid-parent","grid-33"],"yoast_head":"\n<title>\u8cb8\u6b3e\u5229\u606f\u55ae\u5229\uff0f\u8907\u5229\u7b97\u6cd5\u600e\u9ebc\u7b97\uff1f\u8cb8\u6b3e\u9677\u9631\u5229\u606f\u8a08\u7b97\u539f\u7406\u5927\u516c\u958b\uff01<\/title>\n<meta name=\"description\" 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