{"id":425483,"date":"2022-05-29T19:33:12","date_gmt":"2022-05-30T02:33:12","guid":{"rendered":"https:\/\/nai500.com\/?p=425483"},"modified":"2022-05-29T19:33:12","modified_gmt":"2022-05-30T02:33:12","slug":"%e8%bf%87%e5%8e%bb50%e5%b9%b4%e7%be%8e%e5%9b%bd%e6%88%bf%e8%b4%b7%e5%88%a9%e7%8e%87%e7%9a%84%e8%b6%8b%e5%8a%bf%e6%98%af%e4%bb%80%e4%b9%88%ef%bc%9f","status":"publish","type":"post","link":"https:\/\/nai500.com\/zh-hans\/blog\/2022\/05\/%e8%bf%87%e5%8e%bb50%e5%b9%b4%e7%be%8e%e5%9b%bd%e6%88%bf%e8%b4%b7%e5%88%a9%e7%8e%87%e7%9a%84%e8%b6%8b%e5%8a%bf%e6%98%af%e4%bb%80%e4%b9%88%ef%bc%9f\/","title":{"rendered":"\u8fc7\u53bb50\u5e74\u7f8e\u56fd\u623f\u8d37\u5229\u7387\u7684\u8d8b\u52bf\u662f\u4ec0\u4e48\uff1f"},"content":{"rendered":"

\u623f\u5730\u7f8e\u7684\u6570\u636e\u663e\u793a\uff0c\u7f8e\u56fd\u623f\u8d37\u5229\u7387\u57281971\u5e74\u81f32021\u5e74\u671f\u95f4\u7684\u8d8b\u52bf\u975e\u5e38\u6e05\u6670\uff1a\u9664\u4e861980\u5e74\u4ee3\uff0c\u7f8e\u56fd\u623f\u8d37\u5229\u7387\u6bcf\u5341\u5e74\u90fd\u5728\u8d70\u4f4e\u30021971\u5e74\u7684\u5e73\u5747\u5229\u7387\u4e3a7.54%\uff0c\u5230\u4e862020\u5e74\u5df2\u7ecf\u53ea\u67093.11%\u3002<\/p>\n

\u5386\u53f2\u6700\u9ad8\u4ee5\u53ca\u6700\u4f4e\u7f8e\u56fd\u623f\u8d37\u5229\u7387<\/h2>\n

1981\u5e7410\u6708\uff0c\u7f8e\u56fd30\u5e74\u671f\u56fa\u5b9a\u5229\u7387\u62b5\u62bc\u8d37\u6b3e\uff08FRM\uff09\u5229\u7387\u89e6\u53ca\u5386\u53f2\u6700\u9ad8\u768418.45%\uff0c\u5168\u5e74\u5e73\u5747\u5229\u738716.63%\uff0c\u4e5f\u662f\u5386\u53f2\u6700\u9ad8\u6c34\u5e73\u3002\u8fd9\u671f\u95f4\u7f8e\u56fd\u623f\u8d37\u5229\u7387\u98d9\u5347\u7684\u9b3c\u9b41\u7978\u9996\u662f\u6b27\u4f69\u514b\u77f3\u6cb9\u7981\u8fd0\u5bfc\u81f4\u521b\u7eaa\u5f55\u7684\u9ad8\u901a\u80c0\u3002<\/p>\n

2020\u5e7412\u6708\uff0c\u7f8e\u56fd30\u5e74\u671fFRM\u5229\u7387\u89e6\u53ca\u5386\u53f2\u6700\u4f4e\u76842.68%\uff0c\u4e3b\u8981\u662f\u56e0\u4e3a\u65b0\u51a0\u75ab\u60c5\u7684\u51b2\u51fb\u30022020\u5e74\u5e73\u5747\u623f\u8d37\u5229\u73873.11%\uff0c\u4e5f\u662f\u5386\u53f2\u6700\u4f4e\u6c34\u5e73\u3002<\/p>\n

\u7f8e\u56fd\u623f\u8d37\u5229\u7387\u8d8b\u52bf\u5982\u4f55\u5f71\u54cd\u8d2d\u623f\u884c\u4e3a\uff1f<\/h2>\n

\u623f\u5730\u4ea7\u62b5\u62bc\u8d37\u6b3e\u5229\u7387\u964d\u4f4e\u523a\u6fc0\u8d2d\u623f\u3002\u9053\u7406\u4e5f\u5f88\u7b80\u5355\uff0c\u623f\u8d37\u5229\u7387\u8d8a\u4f4e\uff0c\u5229\u606f\u5c31\u8d8a\u5c11\uff0c\u8d2d\u623f\u6210\u672c\u4e5f\u5c31\u8d8a\u4f4e\u3002\u6b64\u5916\uff0c\u94f6\u884c\u4f1a\u6839\u636e\u4f60\u7684\u6536\u5165\u6c34\u5e73\u786e\u5b9a\u8d37\u6b3e\u91d1\u989d\uff0c\u5982\u679c\u6708\u4f9b\u51cf\u5c11\u4e86\uff0c\u8d2d\u623f\u8005\u7684\u8d2d\u623f\u80fd\u529b\u63d0\u9ad8\u4e86\uff0c\u53cd\u8fc7\u6765\u4e5f\u6269\u5927\u4e86\u5e02\u573a\u9700\u6c42\u3002<\/p>\n

\u53e6\u5916\u76f8\u6bd4FRM\uff0c\u53ef\u8c03\u6574\u5229\u7387\u62b5\u62bc\u8d37\u6b3e\uff08ARM\uff09\u7684\u5229\u7387\u8981\u6bd4\u53ef\u6bd4FRM\u7684\u5e02\u573a\u5229\u7387\u66f4\u4f4e\uff0c\u4f46\u672a\u6765\u53ef\u80fd\u4e0a\u5347\u6216\u4e0b\u964d\uff0c\u56e0\u6b64ARM\u81f3\u5c11\u57283\u52307\u5e74\u7684\u65f6\u95f4\u91cc\u8981\u6bd4FRM\u66f4\u52a0\u4fbf\u5b9c\u3002\u6240\u6709\uff0c\u8d2d\u623f\u8005\u53ef\u4ee5\u5148\u9009\u62e9\u5229\u7387\u66f4\u4f4e\u7684ARM\uff0c\u5982\u679c\u4ee5\u540e\u5229\u7387\u4e0a\u5347\uff0c\u8fd8\u53ef\u4ee5\u54a8\u8be2\u94f6\u884c\u5c06ARM\u66f4\u6362\u4e3aFRM\u7684\u53ef\u80fd\u6027\u3002<\/p>\n

\u7f8e\u56fd\u623f\u8d37\u5229\u7387\u8d8b\u52bf\u4e0e\u518d\u878d\u8d44<\/h2>\n

\u6240\u8c13\u518d\u878d\u8d44\uff08Refinancing\uff09\uff0c\u5c31\u662f\u7528\u65b0\u8d37\u6b3e\u66ff\u6362\u8001\u8d37\u6b3e\u7684\u4e00\u4e2a\u8fc7\u7a0b\u3002\u8fd9\u4e48\u505a\u7684\u76ee\u7684\u5728\u4e8e\u5229\u7528\u66f4\u4f4e\u7684\u5229\u7387\u964d\u4f4e\u81ea\u5df1\u7684\u6708\u4f9b\uff0c\u5269\u4f59\u7684\u94b1\u53ef\u4ee5\u7528\u6765\u507f\u8fd8\u672c\u91d1\uff0c\u507f\u8fd8\u5176\u4ed6\u8d1f\u503a\u6216\u8005\u662f\u76f4\u63a5\u7528\u4e8e\u50a8\u84c4\u3002\u5982\u679c\u4f60\u62e5\u6709\u8d37\u6b3e\u4f4f\u623f\u8db3\u591f\u7684\u6743\u76ca\uff08equity\uff09\uff0c\u6216\u8005\u8bf4\u662f\u51c0\u503c\uff0c\u53ef\u4ee5\u9009\u62e9\u5957\u73b0\u518d\u878d\u8d44\uff08cash-out refinance\uff09\uff0c\u5373\u8d37\u6b3e\u989d\u9ad8\u4e8e\u623f\u8d37\u7684\u6b20\u6b3e\u989d\uff0c\u591a\u51fa\u73b0\u7684\u73b0\u91d1\u53ef\u7528\u4e8e\u507f\u8fd8\u5176\u4ed6\u8d1f\u503a\u6216\u623f\u5c4b\u4fee\u7f2e\u3002<\/p>\n

1971\u5e74\u81f32021\u5e74\u671f\u95f4\u7684\u7f8e\u56fd\u623f\u8d37\u5229\u7387\u8d8b\u52bf<\/h2>\n

1970\u5e74\u4ee3<\/h3>\n

1971\u5e74\u7f8e\u56fd30\u5e74\u671fFRM\u7684\u5229\u7387\u57287%\u4e2d\u7b49\u533a\u95f4\uff0c\u6b64\u540e\u7a33\u6b65\u6500\u5347\u81f31974\u5e74\u76849.19%\uff0c\u6b64\u540e\u77ed\u65f6\u8dcc\u81f38%\u4e2d\u7b49\u81f3\u9ad8\u7b49\u533a\u95f4\uff0c1979\u5e74\u56de\u5347\u81f311.20%\u3002\u8fd9\u4e00\u65f6\u671f\u7684\u7279\u5f81\u662f\u9ad8\u901a\u80c0\u4ee5\u53ca\u901a\u80c0\u4e0a\u5347\u671f\u3002<\/p>\n

1980\u5e74\u4ee3<\/h3>\n

\u7f8e\u56fd1970\u548c80\u5e74\u4ee3\u7684\u5171\u540c\u7279\u5f81\u662f\u77f3\u6cb9\u7981\u8fd0\u5f15\u53d1\u7684\u7ecf\u6d4e\u8870\u9000\u3002\u4e3a\u4e86\u6291\u5236\u6076\u6027\u901a\u8d27\u81a8\u80c0\uff0c\u7f8e\u8054\u50a8\u4e0a\u8c03\u77ed\u671f\u5229\u7387\uff0c\u5305\u62ec\u8d37\u6b3e\u5728\u5185\u7684\u6240\u6709\u5229\u7387\u90fd\u5f00\u59cb\u4e0a\u5347\u3002\u623f\u5730\u7f8e\u7684\u6570\u636e\u663e\u793a\uff0c\u7f8e\u56fd30\u5e74\u671fFRM\u7684\u5e74\u5747\u5229\u7387\u57281981\u5e74\u8fbe\u5230\u8fd1\u4ee3\u53f2\u6700\u9ad8\u70b9\u768416.63%\uff0c\u6b64\u540e\u5f00\u59cb\u56de\u843d\uff0c\u4f46\u5230\u4e86\u5e74\u4ee3\u672b\u4f9d\u7136\u572810%\u9644\u8fd1\u3002\u4e00\u53e5\u8bdd\u603b\u7ed3\uff0c80\u5e74\u4ee3\u8d37\u6b3e\u771f\u7684\u5f88\u8d35\u3002<\/p>\n

1990\u5e74\u4ee3<\/h3>\n

\u5230\u4e8690\u5e74\u4ee3\uff0c\u901a\u80c0\u7387\u5f00\u59cb\u8d8b\u4e8e\u7f13\u548c\u30021990\u5e74\u7684\u5e73\u5747\u623f\u8d37\u5229\u7387\u4e3a10.13%\uff0c\u6b64\u540e\u7f13\u6162\u4e0b\u6ed1\u5e76\u7ec8\u4e8e\u57281998\u5e74\u8dcc\u78347%\uff086.94%\uff09\u3002\u8fd9\u4e00\u65f6\u671f\uff0c\u5c24\u5176\u662f\u5728\u4e0b\u534a\u6bb5\u7ecf\u6d4e\u589e\u957f\u4ee5\u53ca\u901a\u80c0\u7387\u4e0b\u6ed1\u7684\u4e00\u5927\u539f\u56e0\u662f\u4e92\u8054\u7f51\u65f6\u4ee3\u7684\u5230\u6765\u3002\u65b0\u6280\u672f\u7814\u53d1\u6295\u8d44\u7684\u589e\u957f\u523a\u6fc0\u4e86\u7ecf\u6d4e\u7684\u589e\u957f\u3002<\/p>\n

2000\u5e74\u4ee3<\/h3>\n

\u7f8e\u56fd\u623f\u8d37\u5229\u7387\u4ece2000\u5e74\u76848.05%\u7a33\u6b65\u964d\u81f32003\u5e74\u76845%\u4e2d\u7b49\u533a\u95f4\u3002\u4f46\u662f\uff0c2008\u5e74\u7f8e\u56fd\u53d1\u751f\u4e86\u6b21\u8d37\u5371\u673a\u3002\u4e3a\u4e86\u7ebe\u56f0\u5e76\u523a\u6fc0\u7ecf\u6d4e\uff0c\u7f8e\u8054\u50a8\u5f00\u59cb\u964d\u606f\uff0c\u77ed\u671f\u5229\u7387\u964d\u81f3\u96f6\u9644\u8fd1\uff0c\u623f\u8d37\u5229\u7387\u4e5f\u8ddf\u7740\u8d70\u4f4e\uff0c\u52302009\u5e74\u5df2\u7ecf\u964d\u81f35.04%\u3002<\/p>\n

2010\u5e74\u4ee3<\/h3>\n

\u4f4e\u5229\u7387\u65f6\u4ee3\u4e0b\uff0c\u7f8e\u56fd\u4ee54.69%\u5de6\u53f3\u7684\u623f\u8d37\u5229\u7387\u8fdb\u5165\u65b0\u7684\u5341\u5e74\uff0c\u6b64\u540e\u7ee7\u7eed\u7a33\u6b65\u4e0b\u6ed1\u81f32012\u5e74\u76843%\u4e2d\u7b49\u533a\u95f4\u3002\u5230\u4e862013\u5e74\uff0c\u5229\u7387\u5347\u81f33.98%\uff0c\u4e3b\u8981\u539f\u56e0\u662f\u7f8e\u8054\u50a8\u91ca\u653e\u51fa\u7684\u7f29\u51cf\u8d2d\u503a\u7684\u4fe1\u53f7\u5bfc\u81f4\u503a\u5238\u5e02\u573a\u51fa\u73b0\u6050\u614c\uff0c\u62b5\u62bc\u8d37\u6b3e\u503a\u5238\u6536\u76ca\u7387\u6500\u5347\uff0c\u8fdb\u800c\u63a8\u9ad8\u623f\u8d37\u5229\u7387\uff0c\u5230\u4e862014\u5e74\u5df2\u7ecf\u5347\u81f34.17%\u30022015\u5e74\uff0c\u968f\u7740\u5e02\u573a\u60c5\u7eea\u7f13\u548c\uff0c\u623f\u8d37\u5229\u7387\u4e5f\u56de\u843d\u81f33.85%\uff0c2016\u5e74\u7684\u5e73\u5747\u5229\u7387\u8fdb\u4e00\u6b65\u964d\u81f33.65%\u30022016\u5e74\u7f8e\u56fd\u603b\u7edf\u5927\u9009\u4e4b\u540e\uff0c\u5229\u7387\u5f00\u59cb\u4e0a\u5347\u5e76\u4e14\u57282018\u5e74\u672b\u548c2019\u5e74\u521d\u8fbe\u5230\u5cf0\u503c\uff0c30\u5e74\u671fFRM\u7684\u5229\u7387\u57283.95%\u81f35.34%\u7684\u533a\u95f4\u3002<\/p>\n

2020\u5e74\u81f32021\u5e74<\/h3>\n

2019\u5e74\u5229\u7387\u4e0b\u6ed1\uff0c\u52302020\u5e741\u670830\u5e74\u671f\u5e73\u5747\u623f\u8d37\u5229\u7387\u7ea6\u4e3a3.7%\uff0c\u63a5\u4e0b\u6765\u7f8e\u56fd\u7206\u53d1\u4e86\u65b0\u51a0\u75ab\u60c5\u3002\u4f5c\u4e3a\u5e94\u5bf9\u624b\u6bb5\uff0c\u7f8e\u8054\u50a8\u5c06\u8054\u90a6\u57fa\u91d1\u5229\u7387\u964d\u81f30%-0.25%\uff0c\u5176\u4ed6\u957f\u77ed\u671f\u5229\u7387\u4e5f\u8ddf\u7740\u4e0b\u6ed1\uff0c\u8fd9\u9f13\u52b1\u4e86\u5404\u79cd\u8d37\u6b3e\u884c\u4e3a\uff0c\u5176\u4e2d\u518d\u878d\u8d44\u548c\u623f\u8d37\u7533\u8bf7\u91cf\u5927\u5e45\u589e\u957f\u3002\u5230\u4e8612\u6708\uff0c\u623f\u5730\u7f8e\u62a5\u544a\u768430\u5e74\u671fFRM\u5e73\u5747\u5229\u7387\u4e3a2.68%\u30022021\u5e74\u4e0a\u534a\u5e74\uff0c\u623f\u8d37\u5229\u7387\u57fa\u672c\u5728\u540c\u4e00\u533a\u95f4\u8fd0\u884c\uff0c6\u6708\u5c0f\u5e45\u5347\u81f32.98%\uff0c\u6b64\u540e\u5c31\u8fdb\u5165\u4e86\u4e0a\u5347\u901a\u9053\uff0c10\u670821\u65e5\u5347\u81f33.09%\u3002<\/p>\n","protected":false},"excerpt":{"rendered":"

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