{"id":297,"date":"2020-10-26T18:17:04","date_gmt":"2020-10-26T22:17:04","guid":{"rendered":"http:\/\/tips.house\/ch\/?p=297"},"modified":"2020-10-27T11:35:41","modified_gmt":"2020-10-27T15:35:41","slug":"%e5%bd%b1%e5%93%8d%e6%88%bf%e8%b4%b7%e7%94%b3%e8%af%b7%e7%9a%84%e4%b8%a4%e4%b8%aa%e9%87%8d%e8%a6%81%e6%8c%87%e6%a0%87","status":"publish","type":"post","link":"https:\/\/tips.house\/ch\/%e5%bd%b1%e5%93%8d%e6%88%bf%e8%b4%b7%e7%94%b3%e8%af%b7%e7%9a%84%e4%b8%a4%e4%b8%aa%e9%87%8d%e8%a6%81%e6%8c%87%e6%a0%87\/","title":{"rendered":"\u5f71\u54cd\u623f\u8d37\u7533\u8bf7\u7684\u4e24\u4e2a\u91cd\u8981\u6307\u6807"},"content":{"rendered":"\n

\u5728\u8d2d\u623f\u7533\u8bf7\u8d37\u6b3e\u7684\u8fc7\u7a0b\u4e2d\uff0c\u7ecf\u5e38\u4f1a\u542c\u5230LTV Ratio\u548cDTI Ratio\u8fd9\u4e24\u4e2a\u540d\u8bcd\uff0c\u5176\u5b9e\u5b83\u4eec\u662f\u5f71\u54cd\u623f\u8d37\u7533\u8bf7\u7684\u4e24\u4e2a\u91cd\u8981\u6307\u6807\uff0c\u751a\u81f3\u5bf9\u8d37\u6b3e\u83b7\u6279\u4e0e\u5426\u8d77\u5230\u51b3\u5b9a\u6027\u7684\u4f5c\u7528\u3002<\/p>\n\n\n\n

\u8d37\u6b3e\u4ef7\u503c\u6bd4 LTV\/Loan-to-Value Ratio<\/strong>
\u8d37\u6b3e\u4ef7\u503c\u6bd4\u662f\u6307\u8d37\u6b3e\u91d1\u989d\u76f8\u5bf9\u4e8e\u623f\u4ea7\u4ef7\u503c\u7684\u767e\u5206\u6bd4\u3002\u4e70\u623f\u9996\u4ed8\uff08Down Payment\uff09\u8d8a\u591a\uff0c\u9700\u8981\u501f\u8d37\u7684\u91d1\u989d\u5c31\u8d8a\u5c11\uff0c\u8d37\u6b3e\u4ef7\u503c\u6bd4\u5c31\u8d8a\u4f4e\uff0c\u5728\u94f6\u884c\u770b\u6765\u8be5\u8d37\u6b3e\u7684\u98ce\u9669\u4e5f\u8d8a\u5c0f\u3002\u5e38\u89c4\u623f\u8d37\u8981\u6c42\u501f\u6b3e\u4eba\u652f\u4ed8\u623f\u4ef720%\u4ee5\u4e0a\u7684\u9996\u4ed8\uff08LTV < 80%\uff09\uff0c\u5426\u5219\u5c31\u8981\u989d\u5916\u8d2d\u4e70\u623f\u8d37\u4fdd\u9669\uff08Private Mortgage Insurance\uff09\u3002\u80fd\u652f\u4ed820%\u4ee5\u4e0a\u9996\u4ed8\u7684\u8bdd\uff0c\u4e0d\u4f46\u53ef\u4ee5\u7701\u53bb\u623f\u8d37\u4fdd\u9669\u7684\u989d\u5916\u652f\u51fa\uff08PMI\u901a\u5e38\u5360\u623f\u8d37\u91d1\u989d\u76840.5%-1%\uff09\uff0c\u800c\u4e14\u901a\u5e38\u4e5f\u80fd\u83b7\u5f97\u8f83\u4f4e\u7684\u623f\u8d37\u5229\u7387\u3002<\/p>\n\n\n\n\n\n\n\n

\u503a\u52a1\u6536\u5165\u6bd4 DTI\/Debt-to-Income Ratio<\/strong>
\u6240\u8c13\u503a\u52a1\u6536\u5165\u6bd4\u7387\uff0c\u5c31\u662f\u6bcf\u6708\u9700\u8981\u507f\u8fd8\u7684\u503a\u52a1\uff0c\u9664\u4ee5\u6bcf\u6708\u7684\u7a0e\u524d\u6536\u5165\uff0c\u5f97\u5230\u7684\u767e\u5206\u6bd4\u6570\u5b57\u3002DTI\u662f\u94f6\u884c\u8003\u91cf\u501f\u6b3e\u4eba\u8fd8\u8d37\u80fd\u529b\u7684\u4e00\u79cd\u65b9\u5f0f\uff0cDTI\u8d8a\u5c0f\uff0c\u8bf4\u660e\u6709\u66f4\u5f3a\u7684\u8fd8\u8d37\u80fd\u529b\uff0c\u5982\u679cDTI\u8fc7\u9ad8\uff0c\u503a\u52a1\u8fd8\u6b3e\u5360\u6536\u5165\u6bd4\u4f8b\u592a\u9ad8\uff0c\u94f6\u884c\u8d37\u6b3e\u7684\u98ce\u9669\u5c31\u8d8a\u5927\uff0c\u6240\u4ee5\u5f53DTI\u8d85\u8fc7\u4e00\u5b9a\u6bd4\u4f8b\uff0c\u94f6\u884c\u5f88\u53ef\u80fd\u4f1a\u62d2\u7edd\u8d37\u6b3e\u3002DTI\u53c8\u7ec6\u5206\u4e3aFront-End DTI\u548cBack-End DTI\uff0c\u4e24\u4e2aDTI\u7684\u8ba1\u7b97\u53ef\u7528\u540c\u4e00\u4e2a\u516c\u5f0f\uff1a<\/p>\n\n\n\n

DTI = \u6bcf\u6708\u9700\u8981\u507f\u8fd8\u7684\u503a\u52a1 \/ \u6bcf\u6708\u7684\u7a0e\u524d\u6536\u5165<\/p>\n\n\n\n

\u5bf9\u4e8e\u4e24\u4e2aDTI\uff0c\u516c\u5f0f\u4e2d\u6bcf\u6708\u7684\u7a0e\u524d\u6536\u5165\u662f\u4e00\u6837\u7684\uff0c\u800c\u6bcf\u6708\u9700\u8981\u507f\u8fd8\u7684\u503a\u52a1\u5374\u4e0d\u540c\uff1a<\/p>\n\n\n\n

\u5728Front-End DTI\u4e2d\uff0c\u6bcf\u6708\u9700\u8981\u507f\u8fd8\u7684\u503a\u52a1 = \u623f\u8d37\u7684\u6708\u4f9b\uff0c\u5305\u62ecPITI\uff08\u672c\u91d1\uff0c\u5229\u606f\uff0c\u623f\u4ea7\u7a0e\uff0c\u623f\u5c4b\u4fdd\u9669\uff09\u4ee5\u53ca\u7269\u4e1a\u8d39\u548c\u8d37\u6b3e\u4fdd\u9669<\/p>\n\n\n\n

\u5728Back-End DTI\u4e2d\uff0c\u6bcf\u6708\u9700\u8981\u507f\u8fd8\u7684\u503a\u52a1 = \u4e0a\u8ff0\u7684\u623f\u8d37\u6708\u4f9b\uff0c\u52a0\u4e0a\u6c7d\u8f66\u8d37\u6b3e\uff0c\u5b66\u751f\u8d37\u6b3e\uff0c\u4fe1\u7528\u5361\u503a\u52a1\uff0c\u629a\u517b\u8d39\u7b49\u6708\u4f9b\u6b3e<\/p>\n\n\n\n

\u6839\u636e\u4e0a\u9762\u7684\u516c\u5f0f\uff0c\u7533\u8bf7\u4eba\u53ef\u4ee5\u7528\u53cd\u63a8\u7684\u65b9\u6cd5\u4f30\u7b97\u81ea\u5df1\u5927\u6982\u80fd\u83b7\u6279\u591a\u5c11\u8d37\u6b3e\uff0c\u524d\u63d0\u662f\u5148\u8981\u660e\u786e\u81ea\u5df1\u7684\u56fa\u5b9a\u6536\u5165\u548c\u73b0\u6709\u503a\u52a1\uff0c\u5f53\u7136\u5982\u679c\u9700\u8981\u51c6\u786e\u7684\u8ba1\u7b97\uff0c\u8bf7\u54a8\u8be2\u94f6\u884c\u8d37\u6b3e\u4e13\u4e1a\u4eba\u58eb\u3002\u4e0d\u540c\u7684\u94f6\u884c\u6216\u4e0d\u540c\u7684\u8d37\u6b3e\u60c5\u51b5\u5bf9DTI\u4f1a\u6709\u4e0d\u540c\u7684\u8981\u6c42\uff0c\u4f46\u5927\u591a\u6570\u94f6\u884c\u8981\u6c42Front-End DTI\u4e0d\u8d85\u8fc728%\uff0cBack-End DTI\u6700\u597d\u63a7\u5236\u572836%\u5de6\u53f3\uff0c\u5c3d\u91cf\u4e0d\u8d85\u8fc743%\uff0c\u800c\u4e14\u591a\u6570\u94f6\u884c\u66f4\u770b\u91cd\u7684\u662fBack-End DTI\u3002\u663e\u7136\uff0c\u6536\u5165\u8d8a\u9ad8\u3001\u5176\u5b83\u503a\u52a1\u8d8a\u5c11\uff0c\u80fd\u7533\u8bf7\u5230\u7684\u623f\u8d37\u5c31\u8d8a\u591a\u3002\u5728\u7533\u8bf7\u623f\u8d37\u524d\u5148\u8fd8\u6e05\u5176\u4ed6\u5927\u7b14\u8d37\u6b3e\uff0c\u5bf9\u6210\u529f\u7533\u8bf7\u623f\u8d37\u4f1a\u66f4\u6709\u5229\u3002<\/p>\n\n\n\n

<\/p>\n","protected":false},"excerpt":{"rendered":"

\u5728\u8d2d\u623f\u7533\u8bf7\u8d37\u6b3e\u7684\u8fc7\u7a0b\u4e2d\uff0c\u7ecf\u5e38\u4f1a\u542c\u5230LTV Ratio\u548cDTI Ratio\u8fd9\u4e24\u4e2a\u540d\u8bcd\uff0c\u5176\u5b9e\u5b83\u4eec\u662f\u5f71\u54cd\u623f\u8d37\u7533\u8bf7\u7684\u4e24 […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-297","post","type-post","status-publish","format-standard","hentry","category-1"],"_links":{"self":[{"href":"https:\/\/tips.house\/ch\/wp-json\/wp\/v2\/posts\/297"}],"collection":[{"href":"https:\/\/tips.house\/ch\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/tips.house\/ch\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/tips.house\/ch\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/tips.house\/ch\/wp-json\/wp\/v2\/comments?post=297"}],"version-history":[{"count":4,"href":"https:\/\/tips.house\/ch\/wp-json\/wp\/v2\/posts\/297\/revisions"}],"predecessor-version":[{"id":303,"href":"https:\/\/tips.house\/ch\/wp-json\/wp\/v2\/posts\/297\/revisions\/303"}],"wp:attachment":[{"href":"https:\/\/tips.house\/ch\/wp-json\/wp\/v2\/media?parent=297"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/tips.house\/ch\/wp-json\/wp\/v2\/categories?post=297"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/tips.house\/ch\/wp-json\/wp\/v2\/tags?post=297"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}