{"id":8493,"date":"2024-10-25T08:38:33","date_gmt":"2024-10-25T00:38:33","guid":{"rendered":"http:\/\/lammllees.shop\/%e9%8a%80%e8%a1%8c%e5%8f%af%e4%bb%a5%e4%ba%8c%e8%83%8e%e5%97%8e%ef%bc%9f\/"},"modified":"2024-10-25T08:38:33","modified_gmt":"2024-10-25T00:38:33","slug":"%e9%8a%80%e8%a1%8c%e5%8f%af%e4%bb%a5%e4%ba%8c%e8%83%8e%e5%97%8e%ef%bc%9f","status":"publish","type":"post","link":"https:\/\/lammllees.shop\/%e9%8a%80%e8%a1%8c%e5%8f%af%e4%bb%a5%e4%ba%8c%e8%83%8e%e5%97%8e%ef%bc%9f\/","title":{"rendered":"\u9280\u884c\u53ef\u4ee5\u4e8c\u80ce\u55ce\uff1f"},"content":{"rendered":"<p>\u5728\u73fe\u4eca\u7684\u91d1\u878d\u5e02\u5834\u4e2d\uff0c\u8cfc\u5c4b\u8005\u9762\u5c0d\u8457\u4e94\u82b1\u516b\u9580\u7684<a href=\"http:\/\/lammllees.shop\/\u300c\u8cb8\u6b3e\u653b\u7565\uff1a\u5982\u4f55\u6709\u6548\u7ba1\u7406\u8ca1\u52d9\u8207\u5be6\u73fe\u5922\u60f3\u300d\/\" 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id=\"ez-toc-container\" class=\"ez-toc-v2_0_73 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\">\u5167\u5bb9\u5927\u7db2 :<\/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\" 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href=\"https:\/\/lammllees.shop\/%e9%8a%80%e8%a1%8c%e5%8f%af%e4%bb%a5%e4%ba%8c%e8%83%8e%e5%97%8e%ef%bc%9f\/#%E9%8A%80%E8%A1%8C%E5%A6%82%E4%BD%95%E8%A9%95%E4%BC%B0%E4%BA%8C%E8%83%8E%E8%B2%B8%E6%AC%BE%E7%94%B3%E8%AB%8B\" title=\"\u9280\u884c\u5982\u4f55\u8a55\u4f30\u4e8c\u80ce\u8cb8\u6b3e\u7533\u8acb\">\u9280\u884c\u5982\u4f55\u8a55\u4f30\u4e8c\u80ce\u8cb8\u6b3e\u7533\u8acb<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/lammllees.shop\/%e9%8a%80%e8%a1%8c%e5%8f%af%e4%bb%a5%e4%ba%8c%e8%83%8e%e5%97%8e%ef%bc%9f\/#%E9%81%B8%E6%93%87%E9%81%A9%E5%90%88%E6%82%A8%E7%9A%84%E4%BA%8C%E8%83%8E%E8%B2%B8%E6%AC%BE%E7%AD%96%E7%95%A5\" title=\"\u9078\u64c7\u9069\u5408\u60a8\u7684\u4e8c\u80ce\u8cb8\u6b3e\u7b56\u7565\">\u9078\u64c7\u9069\u5408\u60a8\u7684\u4e8c\u80ce\u8cb8\u6b3e\u7b56\u7565<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/lammllees.shop\/%e9%8a%80%e8%a1%8c%e5%8f%af%e4%bb%a5%e4%ba%8c%e8%83%8e%e5%97%8e%ef%bc%9f\/#%E5%B0%88%E5%AE%B6%E5%BB%BA%E8%AD%B0%EF%BC%9A%E7%A2%BA%E4%BF%9D%E4%BA%8C%E8%83%8E%E8%B2%B8%E6%AC%BE%E7%9A%84%E6%88%90%E5%8A%9F\" title=\"\u5c08\u5bb6\u5efa\u8b70\uff1a\u78ba\u4fdd\u4e8c\u80ce\u8cb8\u6b3e\u7684\u6210\u529f\">\u5c08\u5bb6\u5efa\u8b70\uff1a\u78ba\u4fdd\u4e8c\u80ce\u8cb8\u6b3e\u7684\u6210\u529f<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/lammllees.shop\/%e9%8a%80%e8%a1%8c%e5%8f%af%e4%bb%a5%e4%ba%8c%e8%83%8e%e5%97%8e%ef%bc%9f\/#%E5%B8%B8%E8%A6%8B%E5%95%8F%E7%AD%94\" title=\"\u5e38\u898b\u554f\u7b54\">\u5e38\u898b\u554f\u7b54<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/lammllees.shop\/%e9%8a%80%e8%a1%8c%e5%8f%af%e4%bb%a5%e4%ba%8c%e8%83%8e%e5%97%8e%ef%bc%9f\/#%E7%B8%BD%E7%B5%90\" title=\"\u7e3d\u7d50\">\u7e3d\u7d50<\/a><\/li><\/ul><\/nav><\/div>\n<h2 id=\"%e8%a7%a3%e6%9e%90%e4%ba%8c%e8%83%8e%e8%b2%b8%e6%ac%be%e7%9a%84%e5%9f%ba%e7%a4%8e%e7%9f%a5%e8%ad%98\"><span class=\"ez-toc-section\" id=\"%E8%A7%A3%E6%9E%90%E4%BA%8C%E8%83%8E%E8%B2%B8%E6%AC%BE%E7%9A%84%E5%9F%BA%E7%A4%8E%E7%9F%A5%E8%AD%98\"><\/span>\u89e3\u6790\u4e8c\u80ce\u8cb8\u6b3e\u7684\u57fa\u790e\u77e5\u8b58<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>\u5728\u8003\u616e\u7533\u8acb\u4e8c\u80ce\u8cb8\u6b3e\u6642\uff0c\u4e86\u89e3\u5176\u57fa\u672c\u77e5\u8b58\u662f\u975e\u5e38\u91cd\u8981\u7684\u3002\u4e8c\u80ce\u8cb8\u6b3e\u662f\u6307\u5728\u7b2c\u4e00\u7b46\u62b5\u62bc\u8cb8\u6b3e\u4e4b\u5f8c\uff0c\u5c0d\u8a72\u623f\u7522\u518d\u9032\u884c\u7684\u984d\u5916\u8cb8\u6b3e\u3002\u7533\u8acb\u9019\u985e\u8cb8\u6b3e\u6642\uff0c\u501f\u6b3e\u4eba\u901a\u5e38\u9700\u8981\u63d0\u4f9b\u66f4\u70ba\u5b8c\u6574\u7684\u8ca1\u52d9\u72c0\u6cc1\uff0c\u56e0\u70ba\u4e8c\u80ce\u8cb8\u6b3e\u501f\u6b3e\u751f\u6548\u7684\u524d\u63d0\u662f\u4fdd\u969c\u7b2c\u4e00\u7b46\u8cb8\u6b3e\u7684\u6b78\u9084\u3002\u56e0\u6b64\uff0c\u9280\u884c\u5728\u5be9\u6838\u6642\u6703\u66f4\u52a0\u8b39\u614e\uff0c\u4ee5\u78ba\u4fdd\u501f\u6b3e\u4eba\u7684\u9084\u6b3e\u80fd\u529b\u548c\u4fe1\u8b7d\u3002\u901a\u5e38\uff0c\u9280\u884c\u6703\u5e0c\u671b\u501f\u6b3e\u4eba\u7684\u8cb8\u6b3e\u8207\u623f\u5c4b\u50f9\u503c\u6bd4\uff08Loan-to-Value\u200d <a href=\"http:\/\/lammllees.shop\/%e4%bf%a1%e8%b2%b8%e5%a4%9a%e4%b9%85%e5%8f%af%e4%bb%a5%e5%86%8d%e8%b2%b8%ef%bc%9f\/\" title=\"\u4fe1\u8cb8\u591a\u4e45\u53ef\u4ee5\u518d\u8cb8\uff1f\">ratio<\/a>, \u2064LTV\uff09\u4fdd\u6301\u5728\u5408\u7406\u7bc4\u570d\uff0c\u4ee5\u964d\u4f4e\u98a8\u96aa\u3002<\/p>\n<p>\u9078\u64c7\u9069\u5408\u7684\u8cb8\u6b3e\u65b9\u6848\u5c24\u70ba\u95dc\u9375\uff0c\u56e0\u6b64\u77ad\u89e3\u4e8c\u80ce\u8cb8\u6b3e\u7684\u689d\u6b3e\u53ca\u689d\u4ef6\u4e5f\u4e0d\u53ef\u5ffd\u8996\u3002\u4ee5\u4e0b\u662f\u5e7e\u500b\u8003\u91cf\u7684\u8981\u9ede\uff1a<\/p>\n<ul>\n<li><strong>\u5229\u7387\uff1a<\/strong>\u7b2c\u4e8c\u7b46\u8cb8\u6b3e\u7684\u5229\u7387\u901a\u5e38\u6703\u9ad8\u65bc\u9996\u7b46\u8cb8\u6b3e\uff0c\u9019\u662f\u7531\u65bc\u98a8\u96aa\u7684\u589e\u5927\u6240\u81f4\u3002<\/li>\n<li><strong>\u9084\u6b3e\u671f\u9650\uff1a<\/strong>\u9084\u6b3e\u671f\u9650\u53ef\u80fd\u8f03\u77ed\uff0c\u901a\u5e38\u70ba5\u81f315\u5e74\u3002<\/li>\n<li><strong>\u8cbb\u7528\uff1a<\/strong>\u7533\u8acb\u4e8c\u80ce\u8cb8\u6b3e\u6642\uff0c\u53ef\u80fd\u6703\u7522\u751f\u984d\u5916\u7684\u624b\u7e8c\u8cbb\u7528\u3002<\/li>\n<\/ul>\n<table class=\"wp-block-table is-style-regular\">\n<thead>\n<tr>\n<th>\u8003\u91cf\u56e0\u7d20<\/th>\n<th>\u5167\u5bb9\u7c21\u8ff0<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>\u8cb8\u6b3e\u985e\u578b<\/td>\n<td>\u56fa\u5b9a\u5229\u7387\u6216\u6d6e\u52d5\u5229\u7387<\/td>\n<\/tr>\n<tr>\n<td>\u8cc7\u683c\u8981\u6c42<\/td>\n<td>\u826f\u597d\u7684\u4fe1\u7528\u8a55\u5206\u548c\u7a69\u5b9a\u7684\u6536\u5165<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2 id=\"%e9%8a%80%e8%a1%8c%e5%a6%82%e4%bd%95%e8%a9%95%e4%bc%b0%e4%ba%8c%e8%83%8e%e8%b2%b8%e6%ac%be%e7%94%b3%e8%ab%8b\"><span class=\"ez-toc-section\" id=\"%E9%8A%80%E8%A1%8C%E5%A6%82%E4%BD%95%E8%A9%95%E4%BC%B0%E4%BA%8C%E8%83%8E%E8%B2%B8%E6%AC%BE%E7%94%B3%E8%AB%8B\"><\/span>\u9280\u884c\u5982\u4f55\u8a55\u4f30\u4e8c\u80ce\u8cb8\u6b3e\u7533\u8acb<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>\u5728\u7533\u8acb\u4e8c\u80ce\u8cb8\u6b3e\u6642\uff0c\u9280\u884c\u901a\u5e38\u6703\u9032\u884c\u591a\u7a2e\u56e0\u7d20\u7684\u8a55\u4f30\u4f86\u78ba\u4fdd\u7533\u8acb\u4eba\u7684\u4fe1\u7528\u98a8\u96aa\u5728\u53ef\u63a7\u7bc4\u570d\u5167\u3002\u9996\u5148\uff0c\u4ed6\u5011\u6703\u4ed4\u7d30\u6aa2\u67e5\u7533\u8acb\u4eba\u7684\u4fe1\u7528\u8a18\u9304\uff0c\u5305\u62ec\u904e\u53bb\u7684\u501f\u8cb8\u7d00\u9304\u548c\u9084\u6b3e\u7fd2\u6163\u3002\u9019\u6709\u52a9\u65bc\u9280\u884c\u4e86\u89e3\u7533\u8acb\u4eba\u7684\u8ca1\u52d9\u8cac\u4efb\u611f\u548c\u9084\u6b3e\u80fd\u529b\u3002\u5176\u6b21\uff0c\u9280\u884c\u6703\u8a55\u4f30\u7533\u8acb\u4eba\u7684<em>\u8cc7\u7522\u8ca0\u50b5\u6bd4<\/em>\uff0c\u5373\u7528\u4f86\u8861\u91cf\u50b5\u52d9\u76f8\u5c0d\u65bc\u8cc7\u7522\u7684\u6bd4\u4f8b\u3002\u5982\u679c\u9019\u500b\u6bd4\u4f8b\u8f03\u4f4e\uff0c\u7533\u8acb\u4eba\u64c1\u6709\u7684\u8cc7\u7522\u91cf\u66f4\u80fd\u62b5\u6d88\u5176\u8ca0\u50b5\uff0c\u9019\u5f80\u5f80\u6703\u88ab\u8996\u70ba\u4e00\u500b\u512a\u52e2\u3002<\/p>\n<ul>\n<li><strong>\u4fe1\u7528\u8a55\u7d1a\uff1a<\/strong>\u6aa2\u8996\u904e\u5f80\u501f\u8cb8\u884c\u70ba\u3002<\/li>\n<li><strong>\u8cc7\u7522\u8ca0\u50b5\u6bd4\uff1a<\/strong>\u5206\u6790\u8cc7\u7522\u76f8\u5c0d\u65bc\u8ca0\u50b5\u7684\u6bd4\u4f8b\u3002<\/li>\n<li><strong>\u6536\u5165\u7a69\u5b9a\u6027\uff1a<\/strong>\u7533\u8acb\u4eba\u7684\u6536\u5165\u662f\u5426\u7a69\u5b9a\u4e14\u8db3\u5920\u3002<\/li>\n<\/ul>\n<p>\u6b64\u5916\uff0c\u9664\u4e86\u500b\u4eba\u7684\u8ca1\u52d9\u72c0\u6cc1\u5916\uff0c\u9280\u884c\u9084\u6703\u8003\u616e\u5e02\u5834\u74b0\u5883\u548c\u4e0d\u52d5\u7522\u7684\u4f30\u503c\u3002\u5728\u5e02\u5834\u8da8\u52e2\u4e0b\u884c\u6216\u5730\u7522\u4f30\u503c\u904e\u9ad8\u7684\u60c5\u6cc1\u4e0b\uff0c\u7533\u8acb\u4eba\u53ef\u80fd\u9700\u8981\u63d0\u4f9b\u984d\u5916\u7684\u4fdd\u8b49\u91d1\u6216\u64d4\u4fdd\u4f86\u6e1b\u5c11\u9280\u884c\u7684\u98a8\u96aa\u3002\u6700\u7d42\uff0c\u4e8c\u80ce\u8cb8\u6b3e\u7684\u6210\u529f\u53d6\u6c7a\u65bc\u591a\u65b9\u56e0\u7d20\uff0c\u800c\u4e0d\u50c5\u50c5\u662f\u7533\u8acb\u4eba\u7576\u524d\u7684\u8ca1\u52d9\u72c0\u6cc1\u3002<\/p>\n<table class=\"wp-block-table\">\n<thead>\n<tr>\n<th>\u8a55\u4f30\u9805\u76ee<\/th>\n<th>\u91cd\u9ede\u8003\u91cf<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><a href=\"https:\/\/lammllees.shop\/%e4%bf%a1%e8%b2%b8%e5%bd%b1%e9%9f%bf%e4%bf%a1%e7%94%a8%e5%8d%a1%e7%94%b3%e8%ab%8b%e5%97%8e%ef%bc%9f%e4%bd%a0%e9%9c%80%e8%a6%81%e7%9f%a5%e9%81%93%e7%9a%84%e9%97%9c%e9%8d%b5\/\">\u4fe1\u7528\u8a18\u9304<\/a><\/td>\n<td>\u4e00\u81f4\u7684\u9084\u6b3e\u7fd2\u6163<\/td>\n<\/tr>\n<tr>\n<td>\u4e0d\u52d5\u7522\u50f9\u503c<\/td>\n<td>\u4f30\u503c\u7684\u5e02\u5834\u53c3\u8003<\/td>\n<\/tr>\n<tr>\n<td>\u6536\u5165\u4f86\u6e90<\/td>\n<td>\u7a69\u5b9a\u4e14\u53ef\u6301\u7e8c\u7684\u6536\u5165<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2 id=\"%e9%81%b8%e6%93%87%e9%81%a9%e5%90%88%e6%82%a8%e7%9a%84%e4%ba%8c%e8%83%8e%e8%b2%b8%e6%ac%be%e7%ad%96%e7%95%a5\"><span class=\"ez-toc-section\" id=\"%E9%81%B8%E6%93%87%E9%81%A9%E5%90%88%E6%82%A8%E7%9A%84%E4%BA%8C%E8%83%8E%E8%B2%B8%E6%AC%BE%E7%AD%96%E7%95%A5\"><\/span>\u9078\u64c7\u9069\u5408\u60a8\u7684\u4e8c\u80ce\u8cb8\u6b3e\u7b56\u7565<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>\u5728\u9762\u5c0d\u4e8c\u80ce\u8cb8\u6b3e\u7684\u9078\u64c7\u6642\uff0c\u60a8\u9996\u5148\u8981\u8003\u616e\u7684\u56e0\u7d20\u5305\u62ec\u8cb8\u6b3e\u5229\u7387\u3001\u9084\u6b3e\u671f\u9650\u8207\u7b26\u5408\u8cc7\u683c\u7684\u689d\u4ef6\u3002<strong><a href=\"https:\/\/lammllees.shop\/%e6%8e%8c%e6%8f%a1%e6%88%bf%e5%b1%8b%e5%88%a9%e6%81%af%e8%a3%9c%e8%b2%bc%e7%a7%98%e8%a8%a3%ef%bc%9a%e9%99%8d%e4%bd%8e%e6%88%bf%e8%b2%b8%e5%a3%93%e5%8a%9b%e7%9a%84%e6%99%ba%e6%85%a7%e9%81%b8%e6%93%87\/\">\u8cb8\u6b3e\u5229\u7387<\/a><\/strong>\u6703\u76f4\u63a5\u5f71\u97ff\u60a8\u7684\u6bcf\u6708\u9084\u6b3e\u91d1\u984d\uff0c\u56e0\u6b64\uff0c\u78ba\u4fdd\u9078\u64c7\u6700\u5177\u7af6\u722d\u529b\u7684\u5229\u7387\u975e\u5e38\u91cd\u8981\u3002\u6aa2\u8996\u60a8\u7576\u524d\u7684\u8ca1\u52d9\u72c0\u6cc1\uff0c\u8a55\u4f30\u4e0d\u540c\u8cb8\u6b3e\u689d\u6b3e\u5c0d\u60a8\u7684\u9577\u671f\u5f71\u97ff\u3002\u9078\u64c7<strong>\u9084\u6b3e\u671f\u9650<\/strong>\u6642\uff0c\u8acb\u5e73\u8861\u6bcf\u6708\u652f\u51fa\u548c\u7e3d\u5229\u606f\u6210\u672c\u3002\u6b64\u5916\uff0c\u4e0d\u540c\u9280\u884c\u53ef\u80fd\u6709\u4e0d\u540c\u7684\u8cc7\u683c\u8981\u6c42\uff0c\u56e0\u6b64\u8acb\u78ba\u4fdd\u60a8\u7684\u4fe1\u7528\u9014\u5f91\u548c\u8ca1\u529b\u8b49\u660e\u80fd\u5920\u6eff\u8db3\u9019\u4e9b\u9700\u6c42\u3002<\/p>\n<ul>\n<li>\u6aa2\u67e5\u7576\u524d\u623f\u5c4b\u7684\u8cc7\u7522\u50f9\u503c<\/li>\n<li>\u6ce8\u610f\u8cb8\u6b3e\u91cd\u5408\u6761\u4ef6\u548c\u898f\u5247<\/li>\n<li>\u6bd4\u8f03\u4e0d\u540c\u8cb8\u6b3e\u6a5f\u69cb\u7684\u5229\u7387\u548c\u689d\u4ef6<\/li>\n<\/ul>\n<p>\u5728\u9078\u64c7\u4e8c\u80ce\u8cb8\u6b3e\u7684\u7b56\u7565\u6642\uff0c\u5c07\u4e0d\u540c\u9078\u64c7\u7684\u512a\u7f3a\u9ede\u5217\u51fa\u662f\u500b\u660e\u667a\u4e4b\u8209\u3002\u4ee5\u4e0b\u662f\u4e0d\u540c\u8cb8\u6b3e\u7b56\u7565\u7684\u7c21\u5316\u6bd4\u8f03\uff0c\u5e6b\u52a9\u60a8\u505a\u51fa\u66f4\u660e\u667a\u7684\u6c7a\u5b9a\uff1a<\/p>\n<table class=\"wp-block-table\">\n<thead>\n<tr>\n<th>\u8cb8\u6b3e\u985e\u578b<\/th>\n<th>\u512a\u52e2<\/th>\n<th>\u52a3\u52e2<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>\u56fa\u5b9a\u5229\u7387<\/td>\n<td>\u7a69\u5b9a\u7684\u6bcf\u6708\u652f\u4ed8<\/td>\n<td>\u521d\u671f\u5229\u7387\u8f03\u9ad8<\/td>\n<\/tr>\n<tr>\n<td>\u6d6e\u52d5\u5229\u7387<\/td>\n<td>\u521d\u671f\u5229\u7387\u8f03\u4f4e<\/td>\n<td>\u672a\u4f86\u5229\u7387\u6ce2\u52d5<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>\u9078\u64c7\u5408\u9069\u7684\u7b56\u7565\u4e0d\u4f46\u80fd\u8b93\u60a8\u7684\u8ca1\u52d9\u8ca0\u64d4\u66f4\u8f15\uff0c\u800c\u4e14\u80fd\u589e\u52a0\u8cc7\u91d1\u7684\u9748\u6d3b\u6027\u3002\u7d30\u5fc3\u6bd4\u8f03\u548c\u5408\u9069\u7684\u8a08\u756b\u662f\u9054\u5230\u6210\u529f\u7684\u95dc\u9375\u3002<\/p>\n<h2 id=\"%e5%b0%88%e5%ae%b6%e5%bb%ba%e8%ad%b0%ef%bc%9a%e7%a2%ba%e4%bf%9d%e4%ba%8c%e8%83%8e%e8%b2%b8%e6%ac%be%e7%9a%84%e6%88%90%e5%8a%9f\"><span class=\"ez-toc-section\" id=\"%E5%B0%88%E5%AE%B6%E5%BB%BA%E8%AD%B0%EF%BC%9A%E7%A2%BA%E4%BF%9D%E4%BA%8C%E8%83%8E%E8%B2%B8%E6%AC%BE%E7%9A%84%E6%88%90%E5%8A%9F\"><\/span>\u5c08\u5bb6\u5efa\u8b70\uff1a\u78ba\u4fdd\u4e8c\u80ce\u8cb8\u6b3e\u7684\u6210\u529f<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>\u5728\u7533\u8acb\u4e8c\u80ce\u8cb8\u6b3e\u6642\uff0c\u5c08\u5bb6\u5efa\u8b70\u7533\u8acb\u4eba\u9700\u8b39\u614e\u8a55\u4f30\u81ea\u5df1\u7684\u8ca1\u52d9\u72c0\u6cc1\u53ca\u672a\u4f86\u9084\u6b3e\u80fd\u529b\u3002\u9996\u5148\uff0c\u60a8\u61c9\u8a72\u6aa2\u67e5\u81ea\u5df1\u7684\u4fe1\u7528\u7d00\u9304\u4e26\u78ba\u4fdd\u6c92\u6709\u4efb\u4f55\u62d6\u6b20\u7684\u60c5\u6cc1\uff0c\u56e0\u70ba\u826f\u597d\u7684\u4fe1\u7528\u7d00\u9304\u53ef\u4ee5\u589e\u5f37\u7372\u5f97\u8cb8\u6b3e\u6279\u51c6\u7684\u6a5f\u6703\u3002\u6b64\u5916\uff0c\u4fdd\u6301\u7a69\u5b9a\u7684\u6536\u5165\u4f86\u6e90\u4e5f\u662f\u975e\u5e38\u91cd\u8981\u7684\uff0c\u5982\u80fd\u5c55\u793a\u7a69\u5b9a\u7684\u5de5\u4f5c\u6216\u5176\u4ed6\u6301\u4e45\u7684\u6536\u5165\u8cc7\u6e90\uff0c\u9280\u884c\u66f4\u53ef\u80fd\u4fe1\u4efb\u60a8\u7684\u9084\u6b3e\u80fd\u529b\u3002<\/p>\n<ul>\n<li><strong>\u4fe1\u7528\u7d00\u9304\uff1a<\/strong>\u76e3\u63a7\u548c\u6539\u5584\u60a8\u7684\u4fe1\u7528\u5206\u6578\u3002<\/li>\n<li><strong>\u6536\u5165\u8b49\u660e\uff1a<\/strong>\u63d0\u4f9b\u7a69\u5b9a\u7684\u6536\u5165\u4f86\u6e90\u6587\u4ef6\u3002<\/li>\n<li><strong>\u50b5\u52d9\u6bd4\u7387\uff1a<\/strong>\u4fdd\u6301\u4f4e\u65bc\u9069\u4e2d\u6c34\u6e96\uff0c\u4ee5\u5438\u5f15\u8cb8\u6b3e\u6a5f\u69cb\u7684\u4fe1\u4efb\u3002<\/li>\n<\/ul>\n<p>\u5728\u5c0b\u627e\u5408\u9069\u7684\u4e8c\u80ce\u8cb8\u6b3e\u6a5f\u69cb\u6642\uff0c\u7533\u8acb\u4eba\u61c9\u8a72\u6bd4\u8f03\u4e0d\u540c\u9280\u884c\u6216\u91d1\u878d\u6a5f\u69cb\u7684\u8cb8\u6b3e\u689d\u6b3e\u548c\u5229\u7387\u3002\u8acb\u78ba\u4fdd\u4e86\u89e3\u6bcf\u500b\u9078\u64c7\u7684\u7d30\u7bc0\uff0c\u5305\u62ec\u8cb8\u6b3e\u671f\u9650\u3001\u6bcf\u6708\u9084\u6b3e\u984d\u548c\u4efb\u4f55\u6f5b\u5728\u7684\u8cbb\u7528\u6216\u7f70\u6b3e\u3002\u4f7f\u7528\u4ee5\u4e0b\u8868\u683c\u4f86\u6bd4\u8f03\u5404\u5bb6\u9280\u884c\u7684\u6838\u5fc3\u689d\u6b3e\uff1a<\/p>\n<table class=\"wp-block-table is-style-default\">\n<thead>\n<tr>\n<th>\u9280\u884c\u540d\u7a31<\/th>\n<th><a href=\"https:\/\/lammllees.shop\/%e6%8f%ad%e5%af%86%e5%88%a9%e7%8e%87%e7%ae%97%e6%b3%95%ef%bc%9a%e9%87%91%e8%9e%8d%e4%b8%96%e7%95%8c%e4%b8%ad%e7%9a%84%e8%a8%88%e7%ae%97%e8%a6%8f%e5%89%87%e8%88%87%e9%82%8f%e8%bc%af\/\">\u5229\u7387<\/a><\/th>\n<th>\u8cb8\u6b3e\u671f\u9650<\/th>\n<th>\u984d\u5916\u8cbb\u7528<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>\u9280\u884cA<\/td>\n<td>2.5%<\/td>\n<td>20\u5e74<\/td>\n<td>\u7121<\/td>\n<\/tr>\n<tr>\n<td>\u9280\u884cB<\/td>\n<td>3.0%<\/td>\n<td>15\u5e74<\/td>\n<td>\u624b\u7e8c\u8cbb$500<\/td>\n<\/tr>\n<tr>\n<td>\u9280\u884cC<\/td>\n<td>2.8%<\/td>\n<td>25\u5e74<\/td>\n<td>\u63d0\u524d\u9084\u6b3e\u624b\u7e8c\u8cbb<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2 id=\"qa\"><span class=\"ez-toc-section\" id=\"%E5%B8%B8%E8%A6%8B%E5%95%8F%E7%AD%94\"><\/span>\u5e38\u898b\u554f\u7b54<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><strong>\u6587\u7ae0\u6a19\u984c\uff1a\u9280\u884c\u53ef\u4ee5\u4e8c\u80ce\u55ce\uff1f<\/strong><\/p>\n<p><strong>\u554f\u8207\u7b54\u74b0\u7bc0<\/strong><\/p>\n<p><strong>Q1: \u4ec0\u9ebc\u662f\u4e8c\u80ce\uff1f<\/strong><\/p>\n<p><strong>A1:<\/strong> \u4e8c\u80ce\u662f\u6307\u4e8c\u6b21\u62b5\u62bc\u8cb8\u6b3e\u3002\u7576\u623f\u5c4b\u5df2\u7d93\u6709\u7b2c\u4e00\u9806\u4f4d\u7684\u62b5\u62bc\u8cb8\u6b3e\u6642\uff0c\u5c4b\u4e3b\u53ef\u4ee5\u518d\u4ee5\u540c\u4e00\u623f\u5c4b\u5411\u9280\u884c\u7533\u8acb\u7b2c\u4e8c\u9806\u4f4d\u7684\u62b5\u62bc\u8cb8\u6b3e\uff0c\u9019\u5c31\u662f\u6240\u8b02\u7684\u4e8c\u80ce\u8cb8\u6b3e\u3002<\/p>\n<hr>\n<p><strong>Q2: \u9280\u884c\u80fd\u5426\u63d0\u4f9b\u4e8c\u80ce\u8cb8\u6b3e\uff1f<\/strong><\/p>\n<p><strong>A2:<\/strong> \u4e00\u822c\u800c\u8a00\uff0c\u9280\u884c\u5c0d\u4e8c\u80ce\u8cb8\u6b3e\u7684\u614b\u5ea6\u8f03\u70ba\u8b39\u614e\u3002\u7531\u65bc\u98a8\u96aa\u8f03\u9ad8\uff0c\u8a31\u591a\u9280\u884c\u53ef\u80fd\u4e0d\u63d0\u4f9b\u76f4\u63a5\u7684\u4e8c\u80ce\u8cb8\u6b3e\u3002\u4f46\u9019\u4e26\u4e0d\u610f\u5473\u8457\u6240\u6709\u9280\u884c\u90fd\u4e0d\u63d0\u4f9b\uff0c\u90e8\u5206\u9280\u884c\u6216\u91d1\u878d\u6a5f\u69cb\u4ecd\u6709\u53ef\u80fd\u63d0\u4f9b\u6b64\u985e\u670d\u52d9\uff0c\u53d6\u6c7a\u65bc\u5176\u98a8\u96aa\u627f\u53d7\u80fd\u529b\u548c\u7b56\u7565\u3002<\/p>\n<hr>\n<p><strong>Q3: \u2064\u7533\u8acb\u4e8c\u80ce\u8cb8\u6b3e\u6709\u4ec0\u9ebc\u9650\u5236\uff1f<\/strong><\/p>\n<p><strong>A3:<\/strong> \u7533\u8acb\u4e8c\u80ce\u8cb8\u6b3e\u6642\uff0c\u9280\u884c\u901a\u5e38\u6703\u8003\u616e\u591a\u7a2e\u56e0\u7d20\uff0c\u5305\u62ec\u623f\u5c4b\u5e02\u5834\u50f9\u503c\u3001\u7b2c\u4e00\u80ce\u8cb8\u6b3e\u7684\u672a\u511f\u9084\u9918\u984d\u3001\u501f\u6b3e\u4eba\u7684\u4fe1\u7528\u8a55\u5206\u4ee5\u53ca\u6536\u5165\u72c0\u6cc1\u7b49\u3002\u9019\u4e9b\u56e0\u7d20\u6703\u6c7a\u5b9a\u662f\u5426\u80fd\u53d6\u5f97\u8cb8\u6b3e\u53ca\u5176\u689d\u4ef6\u3002<\/p>\n<hr>\n<p><strong>Q4: \u4e8c\u80ce\u8cb8\u6b3e\u6709\u4f55\u98a8\u96aa\uff1f<\/strong><\/p>\n<p><strong>A4:<\/strong> \u4e8c\u80ce\u8cb8\u6b3e\u7684\u98a8\u96aa\u5305\u62ec\uff1a\u5229\u7387\u901a\u5e38\u8f03\u9ad8\uff0c\u9084\u6b3e\u671f\u8f03\u77ed\uff0c\u4e14\u82e5\u7121\u6cd5\u5982\u671f\u511f\u9084\uff0c\u53ef\u80fd\u9762\u81e8\u623f\u5c4b\u88ab\u62cd\u8ce3\u7684\u98a8\u96aa\u3002\u6b64\u5916\uff0c\u4e8c\u80ce\u7684\u6e05\u511f\u6b0a\u52a3\u65bc\u7b2c\u4e00\u62b5\u62bc\u6b0a\uff0c\u4e00\u65e6\u623f\u7522\u5fc5\u9808\u51fa\u552e\uff0c\u4e8c\u80ce\u8cb8\u6b3e\u63d0\u4f9b\u8005\u53ef\u80fd\u9762\u81e8\u8f03\u5927\u7684\u8cc7\u91d1\u640d\u5931\u98a8\u96aa\u3002<\/p>\n<hr>\n<p><strong>Q5: \u200c\u6709\u54ea\u4e9b\u66ff\u4ee3\u65b9\u6848\u53ef\u4ee5\u8003\u616e\uff1f<\/strong><\/p>\n<p><strong>A5:<\/strong> \u82e5\u9280\u884c\u4e0d\u63d0\u4f9b\u4e8c\u80ce\u8cb8\u6b3e\uff0c\u501f\u6b3e\u4eba\u53ef\u4ee5\u8003\u616e\u5176\u4ed6\u9078\u64c7\uff0c\u4f8b\u5982<a href=\"http:\/\/lammllees.shop\/\u4fe1\u7528\u8cb8\u6b3e\/\" target=\"_blank\">\u4fe1\u7528\u8cb8\u6b3e<\/a>\u3001\u5bb6\u5ead\u6de8\u503c\u4fe1\u7528\u984d\u5ea6(Home Equity Line of Credit, \u200cHELOC)\uff0c\u6216\u662f\u5c0b\u6c42\u79c1\u4eba\u8cb8\u6b3e\u3002\u4e0d\u904e\uff0c\u6bcf\u7a2e\u9078\u64c7\u90fd\u6709\u5176\u512a\u7f3a\u9ede\uff0c\u5efa\u8b70\u8a73\u7d30\u6bd4\u8f03\u5f8c\u518d\u505a\u6c7a\u5b9a\u3002<\/p>\n<p><strong>\u7e3d\u7d50\uff1a<\/strong><\/p>\n<p>\u96d6\u7136\u9280\u884c\u5c0d\u767c\u653e\u4e8c\u80ce\u8cb8\u6b3e\u6301\u8b39\u614e\u614b\u5ea6\uff0c\u4f46\u4e0d\u4e4f\u4ecd\u6709\u53ef\u884c\u9014\u5f91\u3002\u501f\u6b3e\u4eba\u61c9\u5145\u5206\u4e86\u89e3\u81ea\u5df1\u7684\u8ca1\u52d9\u72c0\u6cc1\u548c\u8cb8\u6b3e\u7522\u54c1\u7279\u6027\uff0c\u4ee5\u505a\u51fa\u6700\u4f73\u7684\u8ca1\u52d9\u6c7a\u7b56\u3002\u5c0b\u6c42\u5c08\u696d\u610f\u898b\u4e5f\u662f\u4fdd\u969c\u81ea\u8eab\u5229\u76ca\u7684\u91cd\u8981\u6b65\u9a5f\u3002 <\/p>\n<h2 id=\"outro\"><span class=\"ez-toc-section\" id=\"%E7%B8%BD%E7%B5%90\"><\/span>\u7e3d\u7d50<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>\u7d9c\u4e0a\u6240\u8ff0\uff0c\u300c\u9280\u884c\u53ef\u4ee5\u4e8c\u80ce\u55ce\uff1f\u300d\u9019\u500b\u554f\u984c\u6709\u8457\u591a\u9762\u7684\u89e3\u8b80\u8207\u53ef\u80fd\u6027\u3002\u5728\u73fe\u4eca\u91d1\u878d\u5e02\u5834\u591a\u8b8a\u7684\u74b0\u5883\u4e0b\uff0c\u4e8c\u80ce\u8cb8\u6b3e\u4f5c\u70ba\u4e00\u7a2e\u9748\u6d3b\u7684\u878d\u8cc7\u9078\u64c7\uff0c\u7d66\u4e88\u4e86\u623f\u7522\u6301\u6709\u8005\u66f4\u591a\u7684\u8cc7\u91d1\u904b\u7c4c\u7a7a\u9593\u3002\u4e0d\u540c\u9280\u884c\u7684\u653f\u7b56\u5dee\u7570\uff0c\u4ee5\u53ca\u500b\u4eba\u8ca1\u52d9\u72c0\u6cc1\u7684\u7368\u7279\u6027\uff0c\u4f7f\u5f97\u9019\u500b\u554f\u984c\u6c92\u6709\u4e00\u500b\u5343\u7bc7\u4e00\u5f8b\u7684\u7b54\u6848\u3002<\/p>\n<p>\u7121\u8ad6\u5982\u4f55\uff0c\u5c0b\u627e\u4e00\u500b\u5408\u9069\u7684\u9280\u884c\u5408\u4f5c\u5925\u4f34\uff0c\u9032\u884c\u5168\u9762\u4e14\u5c08\u696d\u7684\u98a8\u96aa\u8a55\u4f30\uff0c\u662f\u6bcf\u4f4d\u8003\u616e\u9032\u884c\u4e8c\u80ce\u8cb8\u6b3e\u7684\u7533\u8acb\u8005\u6240\u61c9\u8a72\u8b39\u614e\u601d\u91cf\u7684\u3002\u7576\u7136\uff0c\u96a8\u8457\u5e02\u5834\u7684\u8b8a\u9077\u548c\u6cd5\u898f\u7684\u8abf\u6574\uff0c\u6301\u7e8c\u95dc\u6ce8\u4e26\u5b78\u7fd2\u76f8\u95dc\u4fe1\u606f\u662f\u78ba\u4fdd\u8ca1\u52d9\u5065\u5eb7\u7684\u91cd\u8981\u4e00\u74b0\u3002\u9762\u5c0d\u9019\u500b\u5145\u6eff\u6311\u6230\u8207\u6a5f\u9047\u7684\u9818\u57df\uff0c\u5e0c\u671b\u6bcf\u4f4d\u8b80\u8005\u90fd\u80fd\u505a\u51fa\u660e\u667a\u7684\u9078\u64c7\uff0c\u5be6\u73fe\u8ca1\u52d9\u76ee\u6a19\u7684\u540c\u6642\uff0c\u4e5f\u80fd\u7a69\u6b65\u9081\u5411\u672a\u4f86\u7684\u7e41\u69ae\u4e4b\u8def\u3002<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u5728\u7576\u4eca\u623f\u5730\u7522\u5e02\u5834\u4e2d\uff0c\u8a31\u591a\u4eba\u958b\u59cb\u63a2\u8a0e\u9280\u884c\u662f\u5426\u63d0\u4f9b\u4e8c\u80ce<a href=\"http:\/\/lammllees.shop\/\u300c\u8cb8\u6b3e\u653b\u7565\uff1a\u5982\u4f55\u6709\u6548\u7ba1\u7406\u8ca1\u52d9\u8207\u5be6\u73fe\u5922\u60f3\u300d\/\" target=\"_blank\">\u8cb8\u6b3e<\/a>\u9019\u4e00\u554f\u984c\u3002\u4e8c\u80ce\u8cb8\u6b3e\uff0c\u7c21\u800c\u8a00\u4e4b\uff0c\u662f\u6307\u5728\u5df2\u6709<a href=\"http:\/\/lammllees.shop\/\u623f\u5c4b\u8cb8\u6b3e\/\" target=\"_blank\">\u623f\u8cb8<\/a>\u7684\u57fa\u790e\u4e0a\uff0c\u518d\u7533\u8acb\u7b2c\u4e8c\u7b46\u8cb8\u6b3e\u3002\u9019\u7a2e\u8cb8\u6b3e\u65b9\u5f0f\u53ef\u7528\u65bc\u8cc7\u91d1\u5468\u8f49\u3001\u88dd\u4fee\u6216\u6295\u8cc7\u3002\u7136\u800c\uff0c\u7533\u8acb\u8005\u9700\u5177\u5099\u826f\u597d\u7684\u4fe1\u7528\u7d00\u9304\u548c\u7a69\u5b9a\u7684\u9084\u6b3e\u80fd\u529b\uff0c\u4ee5\u7372\u5f97\u9280\u884c\u7684\u6279\u51c6\u3002\u662f\u5426\u9078\u64c7\u4e8c\u80ce\u8cb8\u6b3e\uff0c\u9084\u9700\u6839\u64da\u500b\u4eba\u7d93\u6fdf\u72c0\u6cc1\u8b39\u614e\u8a55\u4f30\u3002<\/p>\n","protected":false},"author":1,"featured_media":8494,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_eb_attr":"","om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[38],"tags":[1260,874,236,1731,1067,63,67,127],"class_list":["post-8493","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-38","tag-1260","tag-874","tag-236","tag-1731","tag-1067","tag-63","tag-67","tag-127"],"_links":{"self":[{"href":"https:\/\/lammllees.shop\/wp-json\/wp\/v2\/posts\/8493","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/lammllees.shop\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/lammllees.shop\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/lammllees.shop\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/lammllees.shop\/wp-json\/wp\/v2\/comments?post=8493"}],"version-history":[{"count":0,"href":"https:\/\/lammllees.shop\/wp-json\/wp\/v2\/posts\/8493\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/lammllees.shop\/wp-json\/wp\/v2\/media\/8494"}],"wp:attachment":[{"href":"https:\/\/lammllees.shop\/wp-json\/wp\/v2\/media?parent=8493"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/lammllees.shop\/wp-json\/wp\/v2\/categories?post=8493"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/lammllees.shop\/wp-json\/wp\/v2\/tags?post=8493"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}