<\/span><\/h2>\n\u8eca\u8cb8\u8a08\u7b97\u516c\u5f0f\u770b\u4f3c\u8907\u96dc\uff0c\u4f46\u53ea\u8981\u638c\u63e1\u80cc\u5f8c\u7684\u904b\u7b97\u539f\u7406\uff0c\u5c31\u80fd\u8f15\u9b06\u7406\u89e3\u3002\u8eca\u8cb8\u8a08\u7b97\u516c\u5f0f\u7684\u6838\u5fc3\u8981\u7d20\u5305\u62ec\u8eca\u50f9\u3001\u982d\u671f\u6b3e\u548c\u5229\u606f\u3002\u8cb8\u6b3e\u91d1\u984d\u7b49\u65bc\u8eca\u50f9\u6e1b\u53bb\u982d\u671f\u4ed8\u6b3e\uff0c\u5229\u606f\u5247\u7531\u8cb8\u6b3e\u91d1\u984d\u3001\u5e74\u5229\u7387\u548c\u8cb8\u6b3e\u671f\u9650\u6c7a\u5b9a\u3002\u8cb8\u6b3e\u671f\u9650\u8d8a\u9577\uff0c\u5229\u606f\u5c31\u8d8a\u9ad8\uff0c\u6bcf\u6708\u9084\u6b3e\u91d1\u984d\u5c31\u6703\u8d8a\u591a\u3002\u56e0\u6b64\u5728\u7533\u8acb\u8eca\u8cb8\u524d\uff0c\u61c9\u5148\u8a55\u4f30\u81ea\u5df1\u7684\u8ca1\u52d9\u72c0\u6cc1\uff0c\u9078\u64c7\u9069\u5408\u7684\u8cb8\u6b3e\u671f\u9650\u548c\u5229\u606f\uff0c\u4ee5\u907f\u514d\u9084\u6b3e\u8ca0\u64d4\u904e\u91cd\u3002<\/p>\n
\u8eca\u8cb8\u8a08\u7b97\u516c\u5f0f\uff1a<\/b><\/p>\n
\u8cb8\u6b3e\u91d1\u984d = \u8eca\u50f9 – \u982d\u671f\u6b3e<\/p>\n
\u6708\u5229\u7387 = \u5e74\u5229\u7387 \/ 12<\/p>\n
\u6bcf\u6708\u9084\u6b3e\u91d1\u984d = \u8cb8\u6b3e\u91d1\u984d \u6708\u5229\u7387 (1 + \u6708\u5229\u7387)^\u8cb8\u6b3e\u671f\u9650 \/ ((1 + \u6708\u5229\u7387)^\u8cb8\u6b3e\u671f\u9650 – 1)<\/p>\n
\u7e3d\u5229\u606f = \u6708\u652f\u4ed8\u984d \u8cb8\u6b3e\u671f\u9650 – \u8cb8\u6b3e\u91d1\u984d<\/p>\n
\u8209\u4f8b\u8aaa\u660e\uff1a<\/b><\/p>\n
\u5982\u679c\u60a8\u8cfc\u8cb7\u4e00\u8f1b \u0441\u0442\u043e\u0438\u043c\u043e 100 \u842c\u5143\u7684\u6c7d\u8eca\uff0c\u982d\u671f\u6b3e\u70ba 20 \u842c\u5143\uff0c\u8cb8\u6b3e\u671f\u9650\u70ba 5 \u5e74\uff0c\u5e74\u5229\u7387\u70ba 5%\u3002\u5247\u8cb8\u6b3e\u91d1\u984d\u70ba 80 \u842c\u5143\uff0c\u6708\u5229\u7387\u70ba 0.05 \/ 12 = 0.0042\u3002\u6bcf\u6708\u9084\u6b3e\u91d1\u984d\u70ba 80 \u842c 0.0042 (1 + 0.0042)^60 \/ ((1 + 0.0042)^60 – 1) = 16,756 \u5143\u3002\u7e3d\u5229\u606f\u70ba 16,756 60 – 80 \u842c = 965,160 \u5143\u3002<\/p>\n
\u6ce8\u610f\u4e8b\u9805\uff1a<\/b><\/p>\n\n- \u8eca\u8cb8\u8a08\u7b97\u516c\u5f0f\u50c5\u4f9b\u53c3\u8003\uff0c\u5be6\u969b\u8cb8\u6b3e\u91d1\u984d\u548c\u6708\u4ed8\u6b3e\u91d1\u984d\u53ef\u80fd\u6709\u6240\u4e0d\u540c\uff0c\u5177\u9ad4\u53d6\u6c7a\u65bc\u9280\u884c\u6216\u8cb8\u6b3e\u6a5f\u69cb\u7684\u653f\u7b56\u3002<\/li>\n
- \u5728\u7533\u8acb\u8eca\u8cb8\u524d\uff0c\u61c9\u5148\u8207\u591a\u5bb6\u9280\u884c\u6216\u8cb8\u6b3e\u6a5f\u69cb\u6bd4\u8f03\u5229\u7387\u548c\u8cb8\u6b3e\u689d\u4ef6\uff0c\u9078\u64c7\u6700\u9069\u5408\u81ea\u5df1\u7684\u8cb8\u6b3e\u65b9\u6848\u3002<\/li>\n
- \u9084\u6b3e\u671f\u9593\u61c9\u4fdd\u6301\u826f\u597d\u7684\u4fe1\u7528\u8a18\u9304\uff0c\u907f\u514d\u903e\u671f\u9084\u6b3e\uff0c\u4ee5\u514d\u5f71\u97ff\u500b\u4eba\u4fe1\u7528\u8a55\u5206\u3002<\/li>\n<\/ul>\n
<\/span>\u8eca\u8cb8\u662f\u600e\u9ebc\u7b97\u7684\u7d50\u8ad6<\/span><\/h2>\n\u900f\u904e\u672c\u6587\u7684\u8aaa\u660e\uff0c\u76f8\u4fe1\u60a8\u4e00\u5b9a\u5c0d\u8eca\u8cb8\u8a08\u7b97\u516c\u5f0f\u6709\u9032\u4e00\u6b65\u7684\u77ad\u89e3\u3002\u8eca\u8cb8\u8a08\u7b97\u516c\u5f0f\u7684\u57fa\u790e\u5728\u65bc\u8eca\u50f9\u3001\u982d\u671f\u6b3e\u3001\u8eca\u8cb8\u5229\u7387\u548c\u8eca\u8cb8\u671f\u9650\uff0c\u9019\u4e9b\u56e0\u7d20\u5171\u540c\u6c7a\u5b9a\u4e86\u60a8\u6bcf\u6708\u511f\u9084\u7684\u91d1\u984d\u548c\u7e3d\u5229\u606f\u652f\u51fa\u3002\u5728\u9078\u64c7\u8eca\u8cb8\u6642\uff0c\u9664\u4e86\u8981\u8003\u616e\u8eca\u8cb8\u5229\u7387\u4e4b\u5916\uff0c\u9084\u9700\u8981\u6ce8\u610f\u8eca\u8cb8\u671f\u9650\u548c\u9084\u6b3e\u65b9\u5f0f\u3002\u9078\u64c7\u5408\u9069\u7684\u8eca\u8cb8\u671f\u9650\u548c\u9084\u6b3e\u65b9\u5f0f\uff0c\u53ef\u4ee5\u5e6b\u52a9\u60a8\u6e1b\u8f15\u9084\u6b3e\u8ca0\u64d4\uff0c\u4e26\u7bc0\u7701\u5229\u606f\u652f\u51fa\u3002\u5982\u679c\u60a8\u6709\u8eca\u8cb8\u65b9\u9762\u7684\u9700\u6c42\uff0c\u5efa\u8b70\u60a8\u591a\u6bd4\u8f03\u5e7e\u5bb6\u9280\u884c\u6216\u8cb8\u6b3e\u6a5f\u69cb\u7684\u8eca\u8cb8\u512a\u60e0\uff0c\u9078\u64c7\u6700\u9069\u5408\u60a8\u9700\u6c42\u7684\u8eca\u8cb8\u65b9\u6848\u3002<\/p>\n
<\/span>\u8eca\u8cb8\u662f\u600e\u9ebc\u7b97\u7684 \u5e38\u898b\u554f\u984c\u5feb\u901fFAQ<\/span><\/h2>\n<\/span>Q1\uff1a\u8eca\u8cb8\u5229\u7387\u600e\u9ebc\u8a08\u7b97\uff1f<\/span><\/h3>\n\u8eca\u8cb8\u5229\u7387\u662f\u4f9d\u64da\u9280\u884c\u6216\u8cb8\u6b3e\u6a5f\u69cb\u8a02\u5b9a\u7684\u5229\u7387\u6c34\u6e96\u800c\u5b9a\uff0c\u901a\u5e38\u6703\u53c3\u8003\u592e\u884c\u5229\u7387\u3001\u5e02\u5834\u5229\u7387\u7b49\u56e0\u7d20\u4f86\u6c7a\u5b9a\u3002\u901a\u5e38\uff0c\u5229\u7387\u8207\u4fe1\u7528\u8a55\u5206\u6210\u53cd\u6bd4\uff0c\u4fe1\u7528\u8a55\u5206\u8d8a\u9ad8\uff0c\u5229\u7387\u8d8a\u4f4e\u3002\u53e6\u5916\uff0c\u8eca\u8cb8\u5229\u7387\u4e5f\u6703\u53d7\u5230\u8eca\u8cb8\u671f\u9650\u7684\u5f71\u97ff\uff0c\u901a\u5e38\u8cb8\u6b3e\u671f\u9650\u8d8a\u9577\uff0c\u5229\u7387\u8d8a\u9ad8\u3002<\/p>\n
<\/span>Q2\uff1a\u8eca\u8cb8\u6bcf\u6708\u9700\u7e73\u591a\u5c11\u9322\uff1f<\/span><\/h3>\n\u8eca\u8cb8\u6bcf\u6708\u9700\u7e73\u591a\u5c11\u9322\u53d6\u6c7a\u65bc\u8eca\u8cb8\u91d1\u984d\u3001\u5229\u7387\u548c\u8cb8\u6b3e\u671f\u9650\u3002\u4e00\u822c\u4f86\u8aaa\uff0c\u6bcf\u6708\u9700\u7e73\u7684\u91d1\u984d\u53ef\u900f\u904e\u8eca\u8cb8\u8a08\u7b97\u516c\u5f0f\u8a08\u7b97\u5f97\u51fa\uff1a\u6bcf\u6708\u9084\u6b3e\u91d1\u984d = \u8eca\u8cb8\u91d1\u984d x \u5229\u7387 \/ (1 – (1 + \u5229\u7387)^-\u8cb8\u6b3e\u671f\u9650)\u3002\u4f8b\u5982\uff0c\u82e5\u8eca\u8cb8\u91d1\u984d\u70ba100\u842c\u5143\u3001\u5229\u7387\u70ba2.5%\u3001\u8cb8\u6b3e\u671f\u9650\u70ba5\u5e74\uff0c\u5247\u6bcf\u6708\u9700\u7e73\u4ed8\u7684\u91d1\u984d\u7d04\u70ba22,217\u5143\u3002<\/p>\n
<\/span>Q3\uff1a\u8eca\u8cb8\u53ef\u4ee5\u63d0\u524d\u9084\u6e05\u55ce\uff1f<\/span><\/h3>\n\u8eca\u8cb8\u53ef\u5426\u63d0\u524d\u9084\u6e05\u53d6\u6c7a\u65bc\u8cb8\u6b3e\u6a5f\u69cb\u7684\u898f\u5b9a\uff0c\u6709\u4e9b\u8cb8\u6b3e\u6a5f\u69cb\u5141\u8a31\u63d0\u524d\u9084\u6e05\uff0c\u4f46\u53ef\u80fd\u6703\u6536\u53d6\u63d0\u524d\u9084\u6b3e\u624b\u7e8c\u8cbb\u3002\u56e0\u6b64\uff0c\u5728\u7c3d\u8a02\u8eca\u8cb8\u5408\u7d04\u524d\uff0c\u61c9\u5148\u5411\u8cb8\u6b3e\u6a5f\u69cb\u78ba\u8a8d\u63d0\u524d\u9084\u6b3e\u7684\u76f8\u95dc\u898f\u5b9a\u3002<\/p>\n","protected":false},"excerpt":{"rendered":"
\u8eca\u8cb8\u662f\u600e\u9ebc\u7b97\u7684\uff1f\u9019\u500b\u554f\u984c\u56f0\u64fe\u8a31\u591a\u60f3\u8cb7\u8eca\u7684\u4eba\uff0c\u5176\u5be6\uff0c\u8eca\u8cb8\u7684\u8a08\u7b97\u65b9\u5f0f\u4e26\u4e0d\u8907\u96dc\uff0c\u638c\u63e1\u4e86\u5229\u606f\u548c\u671f\u9650\u5169\u500b\u95dc\u9375\u56e0\u7d20\uff0c\u5c31\u80fd\u8f15 […]<\/p>\n","protected":false},"author":6,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_uag_custom_page_level_css":"","_lmt_disableupdate":"no","_lmt_disable":"no","footnotes":""},"categories":[39],"tags":[],"class_list":["post-4955","post","type-post","status-publish","format-standard","hentry","category-39"],"modified_by":"jason","jetpack_featured_media_url":"","uagb_featured_image_src":{"full":false,"thumbnail":false,"medium":false,"medium_large":false,"large":false,"1536x1536":false,"2048x2048":false,"woocommerce_thumbnail":false,"woocommerce_single":false,"woocommerce_gallery_thumbnail":false},"uagb_author_info":{"display_name":"jason","author_link":"https:\/\/lmdy123.com\/author\/jason\/"},"uagb_comment_info":0,"uagb_excerpt":"\u8eca\u8cb8\u662f\u600e\u9ebc\u7b97\u7684\uff1f\u9019\u500b\u554f\u984c\u56f0\u64fe\u8a31\u591a\u60f3\u8cb7\u8eca\u7684\u4eba\uff0c\u5176\u5be6\uff0c\u8eca\u8cb8\u7684\u8a08\u7b97\u65b9\u5f0f\u4e26\u4e0d\u8907\u96dc\uff0c\u638c\u63e1\u4e86\u5229\u606f\u548c\u671f\u9650\u5169\u500b\u95dc\u9375\u56e0\u7d20\uff0c\u5c31\u80fd\u8f15...","jetpack-related-posts":[],"_links":{"self":[{"href":"https:\/\/lmdy123.com\/wp-json\/wp\/v2\/posts\/4955","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/lmdy123.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/lmdy123.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/lmdy123.com\/wp-json\/wp\/v2\/users\/6"}],"replies":[{"embeddable":true,"href":"https:\/\/lmdy123.com\/wp-json\/wp\/v2\/comments?post=4955"}],"version-history":[{"count":0,"href":"https:\/\/lmdy123.com\/wp-json\/wp\/v2\/posts\/4955\/revisions"}],"wp:attachment":[{"href":"https:\/\/lmdy123.com\/wp-json\/wp\/v2\/media?parent=4955"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/lmdy123.com\/wp-json\/wp\/v2\/categories?post=4955"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/lmdy123.com\/wp-json\/wp\/v2\/tags?post=4955"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}