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\u5728\u73fe\u4ee3\u793e\u6703\u4e2d\uff0c\u64c1\u6709\u4e00\u8f1b\u611b\u8eca\u4e0d\u518d\u662f\u5962\u4f88\uff0c\u800c\u662f\u8a31\u591a\u4eba\u7684\u5fc5\u8981\u751f\u6d3b\u65b9\u5f0f\u4e4b\u4e00\u3002\u8a31\u591a\u4eba\u5728\u9084\u672a\u9084\u6e05\u73fe\u6709\u8eca\u8cb8<\/a>\u7684\u60c5\u6cc1\u4e0b\uff0c\u53ef\u80fd\u6703\u9047\u5230\u518d\u6b21\u8cfc\u8eca\u7684\u9700\u6c42\u6216\u6e34\u671b\u3002\u4f46\u662f\uff0c\u5df2\u6709\u8eca\u8cb8\u7684\u60c5\u6cc1\u4e0b\uff0c\u9084\u80fd\u518d\u8cb7\u65b0\u8eca\u55ce\uff1f\u9019\u500b\u554f\u984c\u7d93\u5e38\u56f0\u64fe\u8457\u8eca\u4e3b\u548c\u6f5b\u5728\u8cb7\u5bb6\u3002\u4e8b\u5be6\u4e0a\uff0c\u4e0d\u8ad6\u662f\u56e0\u70ba\u5bb6\u5ead\u9700\u6c42\u589e\u52a0\u3001\u5de5\u4f5c\u9700\u6c42\u8b8a\u5316\uff0c\u9084\u662f\u5167\u5fc3\u7121\u6cd5\u6297\u62d2\u7684\u65b0\u8eca\u9b45\u529b\uff0c\u7576\u524d\u5e02\u5834\u5176\u5be6\u4e5f\u63d0\u4f9b\u4e86\u4e00\u4e9b\u89e3\u6c7a\u65b9\u6848\u3002\u672c\u7bc7\u6587\u7ae0\u5c07\u5e36\u60a8\u6df1\u5165\u63a2\u8a0e\u5982\u4f55\u5728\u5df2\u6709\u8eca\u8cb8\u7684\u60c5\u6cc1\u4e0b\u9032\u884c\u65b0\u8eca\u8cfc\u8cb7\uff0c\u4e26\u63ed\u958b \u8cb8\u6b3e<\/a>\u65b0\u8eca\u7684\u5be6\u969b\u64cd\u4f5c\u8207\u6f5b\u5728\u98a8\u96aa\u3002<\/p>\n

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\u5167\u5bb9\u5927\u7db2 :<\/p>\n Toggle<\/span>

\u7e3d\u7d50<\/a><\/li><\/ul><\/nav><\/div>\n

<\/span>\u5df2\u6709\u8eca\u8cb8\u662f\u5426\u5f71\u97ff\u4e8c\u6b21\u8cb8\u6b3e\uff1f\u6e96\u5099\u5de5\u4f5c\u8207\u8a55\u4f30\u8981\u9ede<\/span><\/h2>\n
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\u5728\u7533\u8acb\u7b2c\u4e8c\u7b46\u8eca\u8cb8\u4e4b\u524d\uff0c\u6709\u5e7e\u9805\u6e96\u5099\u5de5\u4f5c\u4e0d\u53ef\u5ffd\u8996\uff1a<\/p>\n
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\u6aa2\u67e5\u4fe1\u7528\u7d00\u9304<\/strong>\uff1a\u78ba\u4fdd\u6c92\u6709\u91cd\u5927\u5ef6\u9072\u9084\u6b3e\u6216\u6b20\u6b3e\u7d00\u9304\uff0c\u9019\u5f71\u97ff\u8cb8\u6b3e\u901a\u904e\u7684\u6a5f\u6703\u3002<\/li>\n
\u8a55\u4f30\u6708\u6536\u5165\u8207\u652f\u51fa\u6bd4\u4f8b<\/strong>\uff1a\u8cb8\u6b3e\u6a5f\u69cb\u901a\u5e38\u6703\u53c3\u7167\u4f60\u7684\u50b5\u52d9\u6536\u5165\u6bd4<\/strong>\uff0c\u5982\u679c\u6bd4\u7387\u904e\u9ad8\uff0c\u4f60\u53ef\u80fd\u9700\u8981\u91cd\u65b0\u8abf\u6574\u8ca1\u52d9\u8a08\u756b\u3002<\/li>\n
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\u5177\u9ad4\u7684\u8cb8\u6b3e\u689d\u4ef6\u8207\u662f\u5426\u80fd\u9806\u5229\u7533\u8acb\uff0c\u5c07\u9ad8\u5ea6\u4f9d\u8cf4\u500b\u4eba\u7684\u8ca1\u52d9\u5065\u5eb7\u72c0\u6cc1\uff0c\u9280\u884c\u6703\u6839\u64da\u4ee5\u4e0b\u5e7e\u500b\u95dc\u9375\u6307\u6a19\u9032\u884c\u8a55\u4f30\uff1a<\/p>\n\n\n\n\n\n\n\n
\u8a55\u4f30\u6307\u6a19<\/th>\n \u8a73\u7d30\u8aaa\u660e<\/th>\n<\/tr>\n<\/thead>\n
\u50b5\u52d9\u6536\u5165\u6bd4<\/strong><\/td>\n \u8cb8\u6b3e\u91d1\u984d\/\u6536\u5165\u6bd4\uff0c\u901a\u5e38\u4e0d\u61c9\u8d85\u904e40%-50%<\/td>\n<\/tr>\n
\u4fe1\u7528\u8a55\u5206<\/a><\/strong><\/td>\n \u53cd\u6620\u662f\u5426\u6709\u826f\u597d\u7684\u9084\u6b3e\u7d00\u9304<\/td>\n<\/tr>\n
\u64d4\u4fdd\u54c1\u50f9\u503c<\/strong><\/td>\n \u82e5\u662f\u5168\u984d\u8cb8\u6216\u9ad8\u6bd4\u4f8b\u8cb8\u6b3e\uff0c\u64d4\u4fdd\u54c1\u88ab\u8996\u70ba\u91cd\u8981\u4f9d\u64da<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n
<\/span>\u5982\u4f55\u9078\u64c7\u5408\u9069\u7684\u8eca\u8cb8\u8a08\u756b\uff1f\u5229\u7387\u3001\u689d\u6b3e\u8207\u96b1\u85cf\u8cbb\u7528\u89e3\u6790<\/span><\/h2>\n
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\u689d\u6b3e\u9577\u5ea6<\/strong>\u540c\u6a23\u91cd\u8981\u3002\u77ed\u671f\u8cb8\u6b3e\u96d6\u7136\u6708\u4f9b\u8f03\u9ad8\uff0c\u4f46\u9577\u671f\u4f86\u770b\u5229\u606f\u652f\u51fa\u6703\u6bd4\u8f03\u5c11\uff1b\u800c\u9577\u671f\u8cb8\u6b3e\u5247\u76f8\u5c0d\u6e1b\u5c11\u6708\u4f9b\u58d3\u529b\uff0c\u4f46\u9577\u671f\u652f\u4ed8\u7684\u7e3d\u5229\u606f\u6703\u76f8\u5c0d\u8f03\u9ad8\u3002\u56e0\u6b64\uff0c\u61c9\u6839\u64da\u4f60\u7684\u8ca1\u52d9\u72c0\u6cc1\u9748\u6d3b\u9078\u64c7\u8cb8\u6b3e\u5e74\u9650\u3002\u901a\u5e38\u4f86\u8aaa\uff0c\u4e09\u5230\u4e94\u5e74\u7684\u8cb8\u6b3e\u689d\u4ef6\u662f\u6bd4\u8f03\u5e73\u8861\u7684\u9078\u64c7\uff0c\u5982\u679c\u8ca1\u52d9\u58d3\u529b\u8f03\u5927\uff0c\u8f03\u9577\u7684\u8cb8\u671f\u53ef\u6e1b\u8f15\u7576\u524d\u58d3\u529b\u3002<\/p>\n
\u6700\u5f8c\uff0c\u96b1\u85cf\u8cbb\u7528<\/strong>\u662f\u5bb9\u6613\u88ab\u5ffd\u7565\u7684\u4e00\u74b0\uff0c\u5b83\u5011\u5305\u62ec\u4f46\u4e0d\u9650\u65bc\u8cb8\u6b3e\u624b\u7e8c\u8cbb\u3001\u63d0\u524d\u9084\u6b3e\u7f70\u91d1\u6216\u662f\u4fdd\u96aa\u8981\u6c42\u3002\u9019\u4e9b\u984d\u5916\u8cbb\u7528\u6709\u6642\u6703\u8b93\u7e3d\u6210\u672c\u9060\u8d85\u904e\u9810\u671f\uff0c\u56e0\u6b64\u5728\u7c3d\u7f72\u4efb\u4f55\u5408\u540c\u4e4b\u524d\u4e00\u5b9a\u8981\u8a73\u95b1\u7d30\u5247\u3002\u4ee5\u4e0b\u662f\u4e00\u4e9b\u5e38\u898b\u7684\u8eca\u8cb8\u96b1\u6027\u8cbb\u7528\u6bd4\u8f03\u8868\uff1a<\/p>\n\n\n\n\n\n\n\n
\u8cbb\u7528\u7a2e\u985e<\/th>\n \u8aaa\u660e<\/th>\n<\/tr>\n<\/thead>\n
\u624b\u7e8c\u8cbb<\/td>\n \u7533\u8acb\u6216\u5efa\u7acb\u8cb8\u6b3e\u5e33\u865f\u6642\u652f\u4ed8\u7684\u8cbb\u7528<\/td>\n<\/tr>\n
\u63d0\u524d\u9084\u6b3e\u7f70\u91d1<\/td>\n \u5728\u8cb8\u6b3e\u671f\u6eff\u524d\u9084\u6e05\u8cb8\u6b3e\u7684\u7f70\u91d1<\/td>\n<\/tr>\n
\u4fdd\u96aa\u8cbb<\/td>\n \u67d0\u4e9b\u8cb8\u6b3e\u8a08\u756b\u8981\u6c42\u8cfc\u8cb7\u6307\u5b9a\u4fdd\u96aa<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n
<\/span>\u8cb8\u6b3e\u65b0\u8eca\u5e38\u898b\u9677\u9631\u63ed\u79d8 \u2063\u6821\u5c0d\u5951\u7d04\u7d30\u7bc0\u7684\u91cd\u8981\u6027<\/span><\/h2>\n
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\n
\u65e9\u671f\u7d50\u6e05\u7f70\u6b3e<\/strong>\uff1a\u6709\u4e9b\u8cb8\u6b3e\u5728\u5408\u7d04\u4e2d\u53ef\u80fd\u9650\u5236\u63d0\u524d\u9084\u6b3e\uff0c\u4e26\u9644\u5e36\u9ad8\u984d\u7f70\u6b3e\u689d\u6b3e\u3002<\/li>\n
\u5229\u7387\u6d6e\u52d5\u9677\u9631<\/strong>\uff1a\u5ee3\u544a\u4e2d\u8b77\u8b0a\u7684\u4f4e\u5229\u7387\u50c5\u9650\u65bc\u7279\u5b9a\u689d\u4ef6\uff0c\u5be6\u969b\u5229\u7387\u5728\u5408\u7d04\u4e2d\u5247\u662f\u6d6e\u52d5\u5f62\u5f0f\u3002<\/li>\n
\u4fdd\u96aa\u8981\u6c42<\/strong>\uff1a\u90e8\u5206\u8eca\u8cb8\u516c\u53f8\u6703\u5f37\u5236\u8981\u6c42\u984d\u5916\u8cfc\u8cb7\u4fdd\u96aa\uff0c\u4e26\u4ee5\u8f03\u9ad8\u4fdd\u8cbb\u7d81\u5b9a\u8cfc\u8eca\u8cb8\u6b3e\u3002<\/li>\n<\/ul>\n
\u9664\u6b64\u4e4b\u5916\uff0c\u8cfc\u8eca\u8cb8\u6b3e\u5408\u7d04\u9808\u6ce8\u610f\u5176\u4e2d\u7684\u7d30\u7bc0\u689d\u6b3e\u548c\u7d04\u5b9a\u3002\u5b78\u6703\u4ed4\u7d30\u6838\u5c0d\u7c3d\u7d04\u524d\u7684\u6587\u4ef6\uff0c\u907f\u514d\u65e5\u5f8c\u56e0\u8cb8\u6b3e\u91d1\u984d\u904e\u9ad8\u6216\u5408\u7d04\u4e0d\u7b26\u9810\u671f\u800c\u611f\u5230\u56f0\u64fe\u3002\u4ee5\u4e0b\u662f\u7c3d\u7f72\u524d\u53ef\u80fd\u9700\u91cd\u9ede\u95dc\u6ce8\u7684\u689d\u6b3e\uff1a<\/p>\n\n\n\n\n\n\n\n
\u689d\u6b3e\u9805\u76ee<\/th>\n \u6f5b\u5728\u98a8\u96aa<\/th>\n<\/tr>\n<\/thead>\n
\u5229\u7387\u689d\u6b3e<\/td>\n \u662f\u5426\u589e\u8a2d\u6d6e\u52d5\u5229\u7387\uff1f\u9700\u8981\u78ba\u8a8d\u662f\u5426\u8207\u5ba3\u50b3\u4e00\u81f4\u3002<\/td>\n<\/tr>\n
\u63d0\u524d\u9084\u6b3e\u7f70\u6b3e<\/td>\n \u63d0\u524d\u6e05\u511f\u53ef\u80fd\u9644\u5e36\u9ad8\u7f70\u6b3e\uff0c\u9700\u4e86\u89e3\u7f70\u6b3e\u898f\u5247\u3002<\/td>\n<\/tr>\n
\u4fdd\u96aa\u8cac\u4efb<\/td>\n \u662f\u5426\u5f37\u5236\u9700\u8cfc\u8cb7\u6307\u5b9a\u4fdd\u96aa\uff0c\u6216\u5141\u8a31\u6d88\u8cbb\u8005\u81ea\u9078\u3002<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n
<\/span>\u63d0\u9ad8\u8cb8\u6b3e\u6210\u529f\u7387\u7684\u5be6\u7528\u7b56\u7565 \u5982\u4f55\u8aaa\u670d\u9280\u884c\u60a8\u7684\u4fe1\u7528\u53ef\u9760<\/span><\/h2>\n
\u8981\u63d0\u9ad8\u8cb8\u6b3e\u6210\u529f\u7387\uff0c\u5efa\u7acb\u826f\u597d\u7684\u4fe1\u7528\u7d00\u9304\u662f\u4e0d\u53ef\u6216\u7f3a\u7684\u7b2c\u4e00\u6b65\u3002\u6b63\u78ba\u7ba1\u7406\u4fe1\u7528\u5361<\/a>\u5e33\u55ae\u3001\u6309\u6642\u9084\u6b3e\u4ee5\u53ca\u4fdd\u6301\u4f4e\u8ca0\u50b5\u6bd4\u7387\uff0c\u9019\u4e9b\u7d30\u7bc0\u90fd\u6703\u5f71\u97ff\u9280\u884c\u5c0d\u7533\u8acb\u8005\u7684\u4fe1\u7528\u8a55\u5206\u3002\u9280\u884c\u901a\u5e38\u6703\u91cd\u9ede\u95dc\u6ce8\u7533\u8acb\u4eba\u7684\u9084\u6b3e\u6b77\u53f2\uff0c\u7a69\u5b9a\u7684\u9084\u6b3e\u8868\u73fe<\/strong>\u8d8a\u591a\uff0c\u8d8a\u80fd\u8b93\u9280\u884c\u76f8\u4fe1\u60a8\u5177\u5099\u7ba1\u7406\u50b5\u52d9\u7684\u80fd\u529b\u3002<\/p>\n
\u9664\u4e86\u4fe1\u7528\u6b77\u53f2\uff0c\u7533\u8acb\u6642\u63d0\u4f9b\u66f4\u5177\u9ad4\u7684\u8ca1\u52d9\u8cc7\u6599\u4e5f\u662f\u589e\u52a0\u8cb8\u6b3e\u6210\u529f\u7387\u7684\u95dc\u9375\u3002\u4f8b\u5982\uff0c\u8b49\u660e\u6bcf\u6708\u56fa\u5b9a\u6536\u5165\u7684\u7a69\u5b9a\u6027\uff0c\u5982\u85aa\u8cc7\u55ae\u6216\u7a05\u55ae\uff0c\u80fd\u66f4\u6709\u8aaa\u670d\u529b\u3002\u6536\u5165\u8207\u652f\u51fa\u7684\u5e73\u8861<\/strong>\u6703\u8b93\u9280\u884c\u6709\u4fe1\u5fc3\uff0c\u78ba\u4fe1\u60a8\u6709\u8db3\u5920\u7684\u80fd\u529b\u61c9\u4ed8\u8eca\u8cb8\u7b49\u984d\u5916\u652f\u51fa\u3002\u82e5\u64c1\u6709\u5176\u4ed6\u8cc7\u7522\uff0c\u5982\u4e0d\u52d5\u7522\u7b49\uff0c\u4e5f\u61c9\u4e3b\u52d5\u7f85\u5217\u5728\u7533\u8acb\u8868\u4e2d\u3002<\/p>\n
\u9280\u884c\u9084\u6703\u53c3\u8003\u76ee\u524d\u7684\u50b5\u52d9\u72c0\u6cc1\uff0c\u5224\u65b7\u662f\u5426\u4ecd\u6709\u9084\u50b5\u7a7a\u9593\uff0c\u56e0\u6b64\u4fdd\u6301\u5408\u9069\u7684\u50b5\u52d9\u6bd4\u7387\u975e\u5e38\u91cd\u8981\u3002\u4ee5\u4e0b\u8868\u683c\u986f\u793a\u4fdd\u6301\u5065\u5eb7\u50b5\u52d9\u6bd4\u7387\u7684\u6700\u4f73\u7bc4\u570d\uff1a<\/p>\n\n\n\n\n\n\n
\u72c0\u614b<\/th>\n \u7406\u60f3\u50b5\u52d9\u6536\u5165\u6bd4<\/th>\n<\/tr>\n<\/thead>\n
\u5065\u5eb7\u7bc4\u570d<\/td>\n 30%-40%<\/strong><\/td>\n<\/tr>\n
\u98a8\u96aa\u7bc4\u570d<\/td>\n \u8d85\u904e50%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n
\u5728\u63d0\u4ea4\u8cb8\u6b3e\u7533\u8acb\u6642\uff0c\u7533\u8acb\u4eba\u61c9\u76e1\u91cf\u78ba\u4fdd\u5176\u50b5\u52d9\u6536\u5165\u6bd4\u63a7\u5236\u572830%-40%\u7684\u5340\u9593\u5167\uff0c\u4ee5\u589e\u52a0\u901a\u904e\u5be9\u6838\u7684\u53ef\u80fd\u6027\u3002\u53ca\u65e9\u898f\u5283\u8207\u63a7\u5236\u8ca0\u50b5<\/strong>\u5c07\u5e6b\u52a9\u60a8\u7372\u5f97\u66f4\u6709\u5229\u7684\u8cb8\u6b3e\u689d\u4ef6\u3002<\/p>\n
<\/span>\u5e38\u898b\u554f\u7b54<\/span><\/h2>\n
Q:<\/strong> \u6211\u76ee\u524d\u9084\u6709\u4e00\u7b46\u8eca\u8cb8\uff0c\u9084\u80fd\u5920\u518d\u8cfc\u8cb7\u4e00\u53f0\u65b0\u8eca\u55ce\uff1f<\/p>\n
A:<\/strong> \u662f\u7684\uff0c\u6709\u8eca\u8cb8\u7684\u60c5\u6cc1\u4e0b\u4e0d\u4ee3\u8868\u4f60\u7121\u6cd5\u518d\u8cb7\u8eca\uff0c\u4f46\u9700\u8981\u8003\u616e\u5e7e\u500b\u56e0\u7d20\u3002\u8cb8\u6b3e\u6a5f\u69cb\u6703\u91cd\u9ede\u5be9\u8996\u4f60\u7684\u7576\u524d\u8ca1\u52d9\u72c0\u6cc1\u3001\u4fe1\u7528\u8a55\u7d1a\u3001\u6536\u5165\u7a69\u5b9a\u6027\u53ca\u6bcf\u6708\u7684\u50b5\u52d9\u6bd4\u4f8b\u3002\u5982\u679c\u4f60\u6709\u8db3\u5920\u7684\u6536\u5165\u4f86\u8ca0\u64d4\u5169\u7b46\u8cb8\u6b3e\uff0c\u4e26\u4e14\u4fdd\u6301\u826f\u597d\u7684\u4fe1\u7528\u7d00\u9304\uff0c\u90a3\u9ebc\u9280\u884c\u6216\u8cb8\u6b3e\u6a5f\u69cb\u53ef\u80fd\u6703\u540c\u610f\u63d0\u4f9b\u53e6\u4e00\u7b46\u8eca\u8cb8\u3002<\/p>\n
\n
Q:<\/strong> \u8ca1\u52d9\u6a5f\u69cb\u6703\u5982\u4f55\u8a55\u4f30\u6211\u80fd\u5426\u518d\u7533\u8acb\u8eca\u8cb8\uff1f<\/p>\n
A:<\/strong> \u2064 \u9996\u5148\uff0c\u8cb8\u6b3e\u6a5f\u69cb\u6703\u6aa2\u67e5\u4f60\u7684\u50b5\u52d9\u6536\u5165\u6bd4<\/strong> (Debt-to-Income Ratio, DTI)\uff0c\u5373\u4f60\u7684\u6bcf\u6708\u50b5\u52d9\u7e3d\u984d\u76f8\u5c0d\u65bc\u4f60\u7684\u6708\u6536\u5165\u7684\u6bd4\u7387\u3002\u5982\u679c\u6bd4\u7387\u904e\u9ad8\uff0c\u53ef\u80fd\u5f71\u97ff\u7533\u8acb\u6210\u529f\u7684\u6a5f\u7387\u3002\u6b64\u5916\uff0c\u4ed6\u5011\u4e5f\u6703\u5be9\u6838\u4f60\u7684\u4fe1\u7528\u8a55\u5206<\/strong>\uff0c\u4fdd\u8b49\u4f60\u904e\u53bb\u7684\u9084\u6b3e\u884c\u70ba\u7b26\u5408\u898f\u7bc4\u3002\u826f\u597d\u7684\u4fe1\u7528\u8a55\u5206\u5c07\u5927\u5927\u63d0\u9ad8\u4f60\u7684\u7533\u8acb\u6210\u529f\u7387\u3002<\/p>\n
\n
Q:<\/strong> \u200b\u518d\u6b21\u7533\u8acb\u8eca\u8cb8\u6703\u4e0d\u6703\u5c0d\u6211\u7684\u4fe1\u7528\u8a55\u5206\u9020\u6210\u5f71\u97ff\uff1f<\/p>\n
A:<\/strong> \u6bcf\u6b21\u7533\u8acb\u8cb8\u6b3e\u90fd\u6703\u7522\u751f\u4e00\u500b\u786c\u6027\u67e5\u8a62\uff08Hard\u200b Inquiry\uff09\uff0c\u9019\u53ef\u80fd\u6703\u7565\u5fae\u964d\u4f4e\u4f60\u7684\u4fe1\u7528\u8a55\u5206\u3002\u4f46\u9019\u7a2e\u5f71\u97ff\u901a\u5e38\u662f\u66ab\u6642\u7684\u3002\u6700\u91cd\u8981\u7684\u662f\uff0c\u4f60\u662f\u5426\u80fd\u5920\u6309\u6642\u9084\u6b3e\u4ee5\u4fdd\u6301\u826f\u597d\u7684\u4fe1\u7528\u7d00\u9304\u3002\u56e0\u6b64\uff0c\u990a\u6210\u826f\u597d\u7684\u9084\u6b3e\u7fd2\u6163\u6bd4\u64d4\u5fc3\u5206\u6578\u7684\u77ed\u671f\u6ce2\u52d5\u66f4\u70ba\u95dc\u9375\u3002<\/p>\n
\n
Q:<\/strong> \u540c\u6642\u64c1\u6709\u5169\u7b46\u8eca\u8cb8\u6703\u5c0d\u6211\u7684\u8ca1\u52d9\u5e36\u4f86\u4ec0\u9ebc\u6311\u6230\uff1f<\/p>\n
A:<\/strong> \u64c1\u6709\u5169\u7b46\u8eca\u8cb8\u610f\u5473\u8457\u6bcf\u6708\u6703\u6709\u66f4\u591a\u7684\u8ca1\u52d9\u58d3\u529b\uff0c\u56e0\u6b64\u5efa\u8b70\u5728\u7533\u8acb\u7b2c\u4e8c\u7b46\u8eca\u8cb8\u4e4b\u524d\uff0c\u8a55\u4f30\u81ea\u5df1\u7684\u8ca1\u52d9\u80fd\u529b\u3002\u78ba\u4fdd\u4f60\u7684\u6536\u5165\u80fd\u5920\u61c9\u4ed8\u96d9\u91cd\u7684\u8eca\u8cb8\u652f\u4ed8\uff0c\u540c\u6642\u4e0d\u5f71\u97ff\u65e5\u5e38\u958b\u92b7\u8207\u5176\u4ed6\u5fc5\u8981\u958b\u652f\u3002\u5982\u679c\u8ca0\u64d4\u904e\u91cd\uff0c\u53ef\u80fd\u5c0e\u81f4\u8cc7\u91d1\u5468\u8f49\u58d3\u529b\u6216\u589e\u52a0\u903e\u671f\u98a8\u96aa\u3002<\/p>\n
\n
Q:<\/strong> \u662f\u5426\u6709\u5176\u4ed6\u66ff\u4ee3\u65b9\u6848\u53ef\u4ee5\u8b93\u6211\u4e0d\u5fc5\u518d\u7533\u8acb\u7b2c\u4e8c\u7b46\u8eca\u8cb8\uff1f<\/p>\n
A:<\/strong> \u5982\u679c\u60f3\u907f\u514d\u984d\u5916\u7684\u8ca1\u52d9\u58d3\u529b\uff0c\u53ef\u4ee5\u8003\u616e\u8f49\u63db\u73fe\u6709\u7684\u8eca\u8f1b\u3002\u4f8b\u5982\uff0c\u5c07\u820a\u8eca\u9032\u884c\u7f6e\u63db\uff08Trade-in\uff09\uff0c\u4ee5\u5176\u50f9\u503c\u4f5c\u70ba\u65b0\u8eca\u7684\u9996\u4ed8\uff0c\u9019\u6a23\u4e00\u4f86\uff0c\u4f60\u4e0d\u50c5\u6e1b\u5c11\u4e86\u73fe\u91d1\u652f\u51fa\uff0c\u9084\u53ef\u4ee5\u6e1b\u5c11\u8cb8\u6b3e\u91d1\u984d\u3002\u53e6\u4e00\u500b\u9078\u9805\u662f\u9078\u64c7\u8f03\u4f4e\u50f9\u4f4d\u7684\u4e8c\u624b\u8eca\uff0c\u6e1b\u8f15\u6bcf\u6708\u9084\u6b3e\u7684\u8ca0\u64d4\u3002<\/p>\n
\n
Q:<\/strong> \u6709\u6c92\u6709\u5176\u4ed6\u9700\u8981\u6ce8\u610f\u7684\u98a8\u96aa\u6216\u4e8b\u9805\uff1f<\/p>\n
A:<\/strong> \u5728\u7533\u8acb\u984d\u5916\u7684\u8eca\u8cb8\u524d\uff0c\u8acb\u52d9\u5fc5\u4e86\u89e3\u6e05\u695a\u8cb8\u6b3e\u5408\u540c\u689d\u6b3e\uff0c\u7279\u5225\u662f\u5229\u7387\u548c\u4efb\u4f55\u5176\u4ed6\u96b1\u6027\u8cbb\u7528\u3002\u5982\u679c\u76ee\u524d\u7684\u8eca\u8cb8\u5229\u7387\u6bd4\u5e02\u9762\u4e0a\u7684\u65b0\u8eca\u8cb8\u6b3e\u9ad8\uff0c\u4f60\u4e5f\u53ef\u80fd\u8003\u616e\u91cd\u65b0\u5206\u914d\u73fe\u6709\u8cb8\u6b3e\uff08Refinance\uff09\u4f86\u964d\u4f4e\u5229\u7387\uff0c\u5f9e\u800c\u91cb\u653e\u66f4\u591a\u7684\u8ca1\u52d9\u7a7a\u9593\u3002\u6700\u7d42\uff0c\u7406\u6027\u7684\u8ca1\u52d9\u898f\u5283\u5c07\u5e6b\u52a9\u4f60\u5728\u4e0d\u8d85\u51fa\u627f\u53d7\u7bc4\u570d\u7684\u60c5\u6cc1\u4e0b\u9054\u6210\u5fc3\u5100\u7684\u65b0\u8eca\u8cfc\u8cb7\u76ee\u6a19\u3002<\/p>\n
\n
\u7e3d\u7d50\u4f86\u8aaa\uff0c\u5373\u4f7f\u5df2\u6709\u8eca\u8cb8\uff0c\u4f9d\u7136\u53ef\u4ee5\u8cfc\u8cb7\u65b0\u8eca\uff0c\u53ea\u8981\u4f60\u4ed4\u7d30\u8a55\u4f30\u81ea\u5df1\u7684\u8ca1\u52d9\u80fd\u529b\u3001\u4fe1\u7528\u72c0\u6cc1\u53ca\u8cb8\u6b3e\u689d\u4ef6\uff0c\u8b39\u614e\u898f\u5283\uff0c\u5c31\u80fd\u5728\u4fdd\u8b49\u8ca1\u52d9\u5b89\u5168\u7684\u524d\u63d0\u4e0b\uff0c\u518d\u6b21\u4eab\u53d7\u99d5\u99db\u65b0\u8eca\u7684\u6a02\u8da3\u3002 <\/p>\n
<\/span>\u7e3d\u7d50<\/span><\/h2>\n
\u7e3d\u7d50\u4f86\u8aaa\uff0c\u300c\u5df2\u6709\u8eca\u8cb8\u9084\u80fd\u518d\u8cb7\u8eca\u55ce\uff1f\u300d\u9019\u500b\u554f\u984c\u4e26\u975e\u4e00\u5200\u5207\u7684\u7b54\u6848\uff0c\u800c\u662f\u53d6\u6c7a\u65bc\u8a31\u591a\u56e0\u7d20\uff0c\u5305\u62ec\u500b\u4eba\u7684\u8ca1\u52d9\u72c0\u6cc1\u3001\u4fe1\u7528\u8a55\u5206\u4ee5\u53ca\u8cb8\u6b3e\u689d\u4ef6\u7b49\u3002\u5728\u73fe\u4ee3\u7684\u91d1\u878d\u5de5\u5177\u4e0b\uff0c\u5373\u4fbf\u5df2\u7d93\u6709\u8eca\u8cb8\uff0c\u4e5f\u4e26\u975e\u7121\u6cd5\u518d\u8cb7\u65b0\u8eca\u3002\u95dc\u9375\u5728\u65bc\uff0c\u5982\u4f55\u8070\u660e\u5730\u898f\u5283\uff0c\u78ba\u4fdd\u81ea\u5df1\u7684\u8ca1\u52d9\u8ca0\u64d4\u4e0d\u6703\u904e\u91cd\u3002\u4e86\u89e3\u5404\u7a2e\u8cb8\u6b3e\u9078\u9805\u8207\u5f48\u6027\u9084\u6b3e\u65b9\u5f0f\u5f8c\uff0c\u4f60\u624d\u80fd\u505a\u51fa\u5c0d\u81ea\u5df1\u6700\u6709\u5229\u7684\u6c7a\u7b56\u3002\u4e0d\u8ad6\u662f\u5728\u8def\u4e0a\u958b\u8457\u4ec0\u9ebc\u6a23\u7684\u8eca\uff0c\u6700\u91cd\u8981\u7684\u662f\uff0c\u884c\u99db\u5728\u8ca1\u52d9\u7368\u7acb\u7684\u5e73\u7a69\u5927\u9053\u4e0a\u3002<\/p>\n
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