<\/span><\/h2>\n\u4fe1\u7528\u5361\u5206\u671f\u4ed8\u6b3e\u5c0d\u4fe1\u7528\u8a55\u5206\u662f\u5426\u6709\u76f4\u63a5\u5f71\u97ff\uff1f\u9019\u500b\u554f\u984c\u4e00\u76f4\u4ee5\u4f86\u90fd\u5099\u53d7\u722d\u8b70\u3002\u6709\u4eba\u8a8d\u70ba\u4fe1\u7528\u5361\u5206\u671f\u4ed8\u6b3e\u6703\u964d\u4f4e\u4fe1\u7528\u8a55\u5206\uff0c\u4e5f\u6709\u4eba\u8a8d\u70ba\u4fe1\u7528\u5361\u5206\u671f\u4ed8\u6b3e\u4e26\u4e0d\u6703\u5c0d\u4fe1\u7528\u8a55\u5206\u9020\u6210\u4efb\u4f55\u5f71\u97ff\u3002<\/p>\n
\u5176\u5be6\uff0c\u4fe1\u7528\u5361\u5206\u671f\u4ed8\u6b3e\u662f\u5426\u6703\u5f71\u97ff\u4fe1\u7528\u8a55\u5206\uff0c\u4e3b\u8981\u53d6\u6c7a\u65bc\u5206\u671f\u7684\u671f\u9650\u548c\u91d1\u984d\u3002<\/p>\n
\u5206\u671f\u671f\u9650\u77ed\u3001\u91d1\u984d\u5c11\uff0c\u5c0d\u4fe1\u7528\u8a55\u5206\u5f71\u97ff\u4e0d\u5927<\/strong><\/p>\n\u5982\u679c\u5206\u671f\u671f\u9650\u77ed\u4e14\u91d1\u984d\u5c11\uff0c\u6bd4\u5982\u5206\u671f3\u671f\u62166\u671f\uff0c\u91d1\u984d\u57281\u842c\u5143\u4ee5\u5167<\/strong>\uff0c\u90a3\u9ebc\u5c0d\u4fe1\u7528\u8a55\u5206\u7684\u5f71\u97ff\u5c31\u6bd4\u8f03\u5c0f\u3002\u9019\u662f\u56e0\u70ba\u9019\u7a2e\u5206\u671f\u4ed8\u6b3e\u7684\u9084\u6b3e\u58d3\u529b\u4e0d\u5927\uff0c\u4e0d\u6703\u9020\u6210\u903e\u671f\u9084\u6b3e\u6216\u5faa\u74b0\u5229\u606f\u904e\u9ad8\uff0c\u4e5f\u4e0d\u6703\u8b93\u5fb5\u4fe1\u5831\u544a\u4e0a\u51fa\u73fe\u592a\u591a\u8ca0\u9762\u8a18\u9304\u3002<\/p>\n\u5206\u671f\u671f\u9650\u9577\u3001\u91d1\u984d\u5927\uff0c\u5c0d\u4fe1\u7528\u8a55\u5206\u5f71\u97ff\u8f03\u5927<\/strong><\/p>\n\u5982\u679c\u5206\u671f\u671f\u9650\u9577\u4e14\u91d1\u984d\u5927\uff0c\u6bd4\u5982\u5206\u671f12\u671f\u621624\u671f\uff0c\u91d1\u984d\u57281\u842c\u5143\u4ee5\u4e0a<\/strong>\uff0c\u90a3\u9ebc\u5c0d\u4fe1\u7528\u8a55\u5206\u7684\u5f71\u97ff\u5c31\u6bd4\u8f03\u5927\u3002\u9019\u662f\u56e0\u70ba\u9019\u7a2e\u5206\u671f\u4ed8\u6b3e\u7684\u9084\u6b3e\u58d3\u529b\u8f03\u5927\uff0c\u5bb9\u6613\u9020\u6210\u903e\u671f\u9084\u6b3e\u6216\u5faa\u74b0\u5229\u606f\u904e\u9ad8\uff0c\u800c\u4e14\u6703\u8b93\u5fb5\u4fe1\u5831\u544a\u4e0a\u51fa\u73fe\u8f03\u591a\u7684\u8ca0\u9762\u8a18\u9304\u3002\u6700\u91cd\u8981\u7684\u662f\uff0c\u9280\u884c\u5728\u8988\u8cb8\u6642\uff0c\u6703\u8003\u91cf\u5206\u671f\u7e73\u6b3e\u8207\u9084\u6b3e\u7684\u6548\u80fd\uff0c\u5982\u679c\u50b5\u52d9\u8d85\u904e\u8ca0\u64d4\uff0c\u5bb9\u6613\u4f7f\u500b\u4eba\u4fe1\u7528\u98a8\u96aa\u5927\u589e\u3002<\/p>\n\u7279\u5225\u63d0\u9192\u7684\u662f\uff0c\u5982\u679c\u6301\u5361\u4eba\u5728\u5206\u671f\u4ed8\u6b3e\u671f\u9593\u51fa\u73fe\u4e86\u903e\u671f\u9084\u6b3e\u6216\u5faa\u74b0\u5229\u606f\u904e\u9ad8\uff0c\u90a3\u9ebc\u5c0d\u4fe1\u7528\u8a55\u5206\u7684\u5f71\u97ff\u5c07\u6703\u66f4\u52a0\u56b4\u91cd\u3002<\/p>\n
\u56e0\u6b64\uff0c\u4fe1\u7528\u5361\u5206\u671f\u4ed8\u6b3e\u662f\u5426\u6703\u5f71\u97ff\u4fe1\u7528\u8a55\u5206\uff0c\u4e3b\u8981\u53d6\u6c7a\u65bc\u5206\u671f\u7684\u671f\u9650\u548c\u91d1\u984d\u3002\u6b63\u78ba\u7684\u5206\u671f\u4ed8\u6b3e\u4e0d\u50c5\u80fd\u907f\u514d\u4fe1\u7528\u8a55\u5206\u53d7\u5230\u5f71\u97ff\uff0c\u9084\u80fd\u5e6b\u6301\u5361\u4eba\u6e1b\u8f15\u9084\u6b3e\u58d3\u529b\u3002<\/p>\n
<\/span>\u4fe1\u7528\u5361\u5206\u671f\u6703\u5f71\u97ff\u4fe1\u7528\u55ce<\/b>\u7d50\u8ad6<\/span><\/h2>\n\u7d9c\u4e0a\u6240\u8ff0\uff0c\u4fe1\u7528\u5361\u5206\u671f\u4ed8\u6b3e\u53ef\u80fd\u6703\u5c0d\u4fe1\u7528\u8a55\u5206\u9020\u6210\u6b63\u9762\u6216\u8ca0\u9762\u7684\u5f71\u97ff\uff0c\u5177\u9ad4\u53d6\u6c7a\u65bc\u6d88\u8cbb\u8005\u7684\u8cc7\u91d1\u72c0\u6cc1\u3001\u4ed8\u6b3e\u5c65\u7d04\u3001 \u043a\u0440\u0435\u0434\u0438\u0442\u043d\u0430\u044f \u043a\u0430\u0440\u0442\u0430\u3001\u4ee5\u53ca\u5206\u671f\u4ed8\u6b3e\u7684\u7e3d\u6210\u672c\u3002<\/p>\n
\u82e5\u60a8\u9078\u64c7\u5206\u671f\u4ed8\u6b3e\u4f86\u652f\u4ed8\u4fe1\u7528\u5361\u6b20\u6b3e\uff0c\u52d9\u5fc5\u9078\u64c7\u5408\u7406\u7684\u9084\u6b3e\u671f\u9650\uff0c\u4e26\u78ba\u4fdd\u81ea\u5df1\u6709\u80fd\u529b\u6309\u6642\u511f\u9084\u5206\u671f\u6b3e\u9805\u3002\u82e5\u60a8\u80fd\u5920\u53ca\u6642\u3001\u6309\u91d1\u984d\u511f\u9084\uff0c\u4fe1\u7528\u5361\u5206\u671f\u4ed8\u6b3e\u5c07\u6709\u52a9\u65bc\u5efa\u7acb\u548c\u7dad\u6301\u826f\u597d\u7684\u4fe1\u7528\u8a18\u9304\u3002\u76f8\u53cd\uff0c\u82e5\u60a8\u672a\u80fd\u6309\u6642\u511f\u9084\u5206\u671f\u6b3e\u9805\uff0c\u5c07\u53ef\u80fd\u640d\u5bb3\u60a8\u7684\u4fe1\u7528\u8a55\u5206\u3002\u56e0\u6b64\uff0c\u5728\u505a\u51fa\u5206\u671f\u4ed8\u6b3e\u7684\u6c7a\u5b9a\u4e4b\u524d\uff0c\u52d9\u5fc5\u614e\u91cd\u8003\u616e\u3002<\/p>\n
<\/span> \u4fe1\u7528\u5361\u5206\u671f\u6703\u5f71\u97ff\u4fe1\u7528\u55ce \u5e38\u898b\u554f\u984c\u5feb\u901fFAQ<\/span><\/h2>\n<\/span>1. \u5206\u671f\u4ed8\u6b3e\u6703\u4e0d\u6703\u8b93\u6211\u7684\u4fe1\u7528\u5206\u6578\u964d\u4f4e\uff1f<\/span><\/h3>\n\u5206\u671f\u4ed8\u6b3e\u662f\u5426\u6709\u53ef\u80fd\u9020\u6210\u5206\u6578\u964d\u4f4e\u53d6\u6c7a\u65bc\u4f60\u5206\u671f\u5f8c\u4fe1\u7528\u7684\u4f7f\u7528\u60c5\u5f62\u3002\u5206\u671f\u4ed8\u6b3e\u88ab\u5217\u5728\u300c\u8ca0\u50b5\u6bd4\u7387 (Debt to Income Ratio, DIR)\u300d\u9805\u4e0b\uff0c\u901a\u5e38\u5206\u671f\u4ed8\u6b3e\u91d1\u984d\u8d85\u904e\u6708\u6536\u5165 30-40% \u5c31\u6703\u88ab\u9280\u884c\u5217\u70ba\u9ad8\u98a8\u96aa\u5ba2\u6236\uff0c\u9664\u4e86\u964d\u4f4e\u4f60\u7684\u4fe1\u7528\u5206\u6578\u5916\uff0c\u4e5f\u6703\u5f71\u97ff\u65e5\u5f8c\u8cb8\u6b3e\u7684\u6838\u6e96\u7387\u548c\u5229\u7387\u3002\u5118\u7ba1\u5728\u5206\u671f\u5f8c\u7684\u5e7e\u500b\u6708\u5167\u53ef\u80fd\u6703\u56e0\u70ba\u8ca0\u50b5\u6bd4\u7387\u589e\u52a0\u800c\u5c0e\u81f4\u4fe1\u7528\u5206\u6578\u964d\u4f4e\uff0c\u7576\u4f60\u958b\u59cb\u6309\u671f\u511f\u9084\u5206\u671f\u6b3e\u9805\u5f8c\uff0c\u6709\u6642\u751a\u81f3\u6bcf\u500b\u6708\u511f\u9084\u6700\u4f4e\u91d1\u984d\uff0c\u5206\u6578\u4e5f\u53ef\u80fd\u958b\u59cb\u6062\u5fa9\u63d0\u5347\u3002<\/P><\/p>\n
<\/span>2. \u4fe1\u7528\u5361\u5206\u671f\u6703\u4e0d\u6703\u5f71\u97ff\u6211\u7684\u4fe1\u7528\u984d\u5ea6\uff1f<\/span><\/h3>\n\u4fe1\u7528\u5361\u7684\u5206\u671f\u4ed8\u6b3e\u4e0d\u6703\u5f71\u97ff\u4f60\u7684\u4fe1\u7528\u984d\u5ea6\uff0c\u4f46\u4f60\u548c\u9280\u884c\u7d04\u5b9a\u7684\u5206\u671f\u4ed8\u6b3e\u91d1\u984d\u6703\u88ab\u8a08\u5165\u4f60\u7684\u8ca0\u50b5\u6bd4\u4f8b\uff0c\u5f71\u97ff\u4f60\u7684\u4fe1\u7528\u5206\u6578\u3002\u56e0\u6b64\uff0c\u5982\u679c\u4f60\u60f3\u63d0\u9ad8\u4f60\u7684\u4fe1\u7528\u984d\u5ea6\uff0c\u4f60\u53ef\u4ee5\u9078\u64c7\u591a\u4f7f\u7528\u4f60\u7684\u4fe1\u7528\u5361\u4e26\u6309\u6642\u511f\u9084\uff0c\u800c\u4e0d\u662f\u7533\u8acb\u5206\u671f\u4ed8\u6b3e\u3002<\/p>\n
<\/P><\/p>\n
<\/span>3. \u4fe1\u7528\u5361\u5206\u671f\u5f8c\u6211\u9084\u80fd\u7533\u8acb\u5176\u4ed6\u8cb8\u6b3e\u55ce\uff1f<\/span><\/h3>\n\u4fe1\u7528\u5361\u5206\u671f\u5f8c\u662f\u5426\u5f71\u97ff\u5230\u5176\u4ed6\u8cb8\u6b3e\u7533\u8acb\uff0c\u9808\u770b\u5206\u671f\u5f8c\u662f\u5426\u7522\u751f\u4fe1\u7528\u7455\u75b5\u3002\u5982\u5c65\u7d04\u6b63\u5e38\uff0c\u5247\u50c5\u9808\u78ba\u8a8d\u5206\u671f\u50b5\u52d9\u7e3d\u984d\u662f\u5426\u8d85\u904e\u7533\u8acb\u4eba\u53ef\u8ca0\u64d4\u6bd4\u7387\uff1b\u82e5\u767c\u751f\u4fe1\u7528\u7455\u75b5\uff0c\u5247\u8996\u4e0d\u540c\u91d1\u878d\u6a5f\u69cb\u4e4b\u898f\u5b9a\uff0c\u53ef\u80fd\u6709\u4e0d\u540c\u7684\u5f71\u97ff\uff0c\u5efa\u8b70\u5728\u767c\u751f\u4fe1\u7528\u7455\u75b5\u5f8c\u4ee5\u7533\u8acb\u4fe1\u7528\u5361\u5c0f\u984d\u4fe1\u8cb8\u5148\u505a\u5617\u8a66\uff0c\u518d\u8996\u60c5\u6cc1\u8abf\u6574\u7533\u8acb\u65b9\u5411\u3002<\/P><\/p>\n","protected":false},"excerpt":{"rendered":"
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