{"id":450879,"date":"2023-02-01T20:34:13","date_gmt":"2023-02-02T04:34:13","guid":{"rendered":"https:\/\/nai500.com\/?p=450879"},"modified":"2023-02-01T20:34:13","modified_gmt":"2023-02-02T04:34:13","slug":"%e7%be%8e%e8%81%af%e5%84%b2-2%e6%9c%88-%e5%8a%a0%e6%81%af-%e5%b9%be%e5%ae%b6-%e6%ad%a1%e5%96%9c-%e5%b9%be%e5%ae%b6%e6%84%81%ef%bc%9f","status":"publish","type":"post","link":"https:\/\/nai500.com\/zh-hant\/blog\/2023\/02\/%e7%be%8e%e8%81%af%e5%84%b2-2%e6%9c%88-%e5%8a%a0%e6%81%af-%e5%b9%be%e5%ae%b6-%e6%ad%a1%e5%96%9c-%e5%b9%be%e5%ae%b6%e6%84%81%ef%bc%9f\/","title":{"rendered":"\u7f8e\u806f\u51322\u6708\u52a0\u606f\u9774\u5b50\u843d\u5730\uff0c\u5e7e\u5bb6\u6b61\u559c\u5e7e\u5bb6\u6101\uff1f"},"content":{"rendered":"

\u4e00\u5982\u5e02\u5834\u9810\u671f\uff0c\u7f8e\u806f\u5132\u5468\u4e09\u5728\u70ba\u671f\u5169\u5929\u7684\u8ca8\u5e63\u653f\u7b56\u6703\u8b70\u5f8c\u5ba3\u5e03\u52a0\u606f25\u500b\u57fa\u9ede\uff0c\u5c07\u806f\u90a6\u57fa\u91d1\u5229\u7387\u63d0\u5347\u81f34.5%\u81f34.75%\u7684\u76ee\u6a19\u7bc4\u570d\u3002\u9019\u662f\u7f8e\u806f\u5132\u81ea\u53bb\u5e74\u4e09\u6708\u4efd\u4ee5\u4f86\u9023\u7e8c\u7b2c\u516b\u6b21\u63d0\u9ad8\u5229\u7387\uff0c\u65e8\u5728\u8fc5\u901f\u6e1b\u5c11\u91d1\u878d\u5e02\u5834\u7684\u6d41\u52d5\u6027\u4e26\u6291\u5236\u9ad8\u901a\u8139\u3002<\/p>\n

\u6700\u8fd1\u4e00\u4efd\u901a\u8139\u5831\u544a\u986f\u793a\uff0c\u7f8e\u570b2022\u5e7412\u6708\u7684\u901a\u8ca8\u81a8\u8139\u7387\u70ba6.5%\uff0c\u4ecd\u8655\u65bc\u5e7e\u5341\u5e74\u4f86\u7684\u6700\u9ad8\u6c34\u5e73\u3002\u96a8\u8457\u7f8e\u806f\u5132\u4e0d\u65b7\u63d0\u9ad8\u5229\u7387\uff0c\u5c0d\u96a8\u4e4b\u800c\u4f86\u7684\u7d93\u6fdf\u8870\u9000\u7684\u64d4\u6182\u4e5f\u5728\u4e0d\u65b7\u52a0\u5287\u3002Bankrate\u9996\u5e2d\u91d1\u878d\u5206\u6790\u5e2bGreg McBride\u8868\u793a\uff0c\u96d6\u7136\u901a\u8139\u58d3\u529b\u5df2\u7d93\u958b\u59cb\u7de9\u548c\uff0c\u4f46\u7f8e\u806f\u5132\u7684\u5de5\u4f5c\u9084\u6c92\u6709\u5b8c\u6210\uff0c\u592e\u884c\u52a0\u606f\u7684\u5468\u671f\u53ef\u80fd\u6bd4\u4eba\u5011\u666e\u904d\u9810\u671f\u7684\u6642\u9593\u66f4\u4e45\u3002<\/p>\n

\u76ee\u524d\uff0c\u7f8e\u570b10\u5e74\u671f\u570b\u50b5\u7684\u6536\u76ca\u7387\u7d04\u70ba3.5%\uff0c\u5df2\u7d93\u9060\u9060\u4f4e\u65bc\u53bb\u5e7410\u6708\u4efd\u5275\u4e0b\u76844.33%\u768452\u5468\u9ad8\u9ede\u3002\u9019\u610f\u5473\u8457\uff0c\u6295\u8cc7\u8005\u6b63\u5728\u70ba\u8fd1\u671f\u7684\u7d93\u6fdf\u8870\u9000\u505a\u51c6\u5099\u3002<\/p>\n

\u96a8\u8457\u7f8e\u806f\u5132\u7e7c\u7e8c\u52a0\u606f\uff0c\u54ea\u4e9b\u4eba\u6703\u6210\u70ba\u8d0f\u5bb6\uff0c\u53c8\u6709\u54ea\u4e9b\u4eba\u6703\u56e0\u70ba\u5229\u7387\u4e0a\u5347\u800c\u627f\u53d7\u640d\u5931\uff1f<\/p>\n

1. <\/b><\/strong>\u5132\u84c4\u8cec\u6236\u548c\u5b9a\u671f\u5b58\u55ae<\/b><\/strong><\/h2>\n

\u5229\u7387\u4e0a\u5347\u610f\u5473\u8457\u9280\u884c\u5c07\u70ba\u5176\u5132\u84c4\u548c\u91d1\u878d\u5e02\u5834\u8cec\u6236\u63d0\u4f9b\u66f4\u9ad8\u7684\u56de\u5831\uff0c\u4f46\u901f\u5ea6\u56e0\u5404\u9280\u884c\u800c\u7570\u3002McBride\u8868\u793a\uff0c\u201c\u5c0d\u5132\u6236\u4f86\u8aaa\uff0c\u5229\u7387\u4e0a\u5347\u548c\u901a\u8ca8\u81a8\u8139\u7de9\u548c\u76f8\u7d50\u5408\u662f\u5169\u5168\u5176\u7f8e\u7684\u4e8b\u60c5\u3002\u6700\u9ad8\u6536\u76ca\u7684\u5132\u84c4\u8cec\u6236\u3001\u91d1\u878d\u5e02\u5834\u8cec\u6236\u548c\u5b9a\u671f\u5b58\u55ae\u90fd\u9060\u9060\u8d85\u904e4%\uff0c\u800c\u4e14\u5927\u591a\u6578\u9084\u5728\u4e0a\u5347\u3002\u800c\u4e00\u65e6\u901a\u8ca8\u81a8\u8139\u7387\u964d\u5230\u8a72\u6c34\u5e73\u4ee5\u4e0b\u4e26\u6301\u7e8c\u4e0b\u964d\uff0c\u8cfa\u53d64-4.5%\u7684\u6536\u76ca\u770b\u8d77\u4f86\u6703\u66f4\u597d\u3002\u201d<\/p>\n

\u5e0c\u671b\u5f9e\u5229\u606f\u4e2d\u7372\u5f97\u6700\u5927\u6536\u76ca\u7684\u5132\u6236\u61c9\u8a72\u8003\u616e\u8f49\u5411\u7db2\u4e0a\u9280\u884c\uff0c\u5229\u7387\u901a\u5e38\u6bd4\u50b3\u7d71\u9280\u884c\u8981\u597d\u5f97\u591a\u3002\u800c\u5c0d\u65bc\u6301\u6709\u5b9a\u671f\u5b58\u55ae\u7684\u5132\u6236\u4f86\u8aaa\uff0c\u53ef\u4ee5\u8003\u616e\u9396\u5b9a\u8f03\u9577\u671f\u7684\u5b9a\u5b58\uff0c\u56e0\u70ba\u591a\u5e74\u671f\u5b9a\u5b58\u7684\u6536\u76ca\u7387\u73fe\u5728\u5df2\u7d93\u9054\u5230\u9802\u5cf0\u3002<\/p>\n

2. <\/b><\/strong>\u623f\u8cb8\u5229\u7387<\/b><\/strong><\/h2>\n

\u96d6\u7136\u806f\u90a6\u57fa\u91d1\u5229\u7387\u4e26\u4e0d\u771f\u6b63\u5f71\u97ff\u62b5\u62bc\u8cb8\u6b3e\u5229\u7387\uff0c\u800c\u62b5\u62bc\u8cb8\u6b3e\u5229\u7387\u4e3b\u8981\u53d6\u6c7a\u65bc10\u5e74\u671f\u570b\u50b5\u6536\u76ca\u7387\uff0c\u4f46\u7531\u65bc\u985e\u4f3c\u7684\u539f\u56e0\uff0c\u623f\u8cb8\u5229\u7387\u5f80\u5f80\u4ee5\u76f8\u540c\u7684\u65b9\u5f0f\u79fb\u52d5\u3002\u96a8\u845710\u5e74\u671f\u570b\u50b5\u6536\u76ca\u7387\u5f9e\u6700\u8fd1\u5e7e\u500b\u6708\u7684\u6700\u9ad8\u6c34\u5e73\u4e0b\u964d\uff0c\u5e02\u5834\u9010\u6f38\u5c0d\u7d93\u6fdf\u8870\u9000\u7684\u53ef\u80fd\u6027\u9032\u884c\u5b9a\u50f9\uff0c\u62b5\u62bc\u8cb8\u6b3e\u5229\u7387\u4e5f\u96a8\u4e4b\u6025\u5287\u4e0b\u964d\u3002<\/p>\n

McBride\u8868\u793a\uff0c\u5728\u53bb\u5e7410\u6708\u4efd\u8d85\u904e7%\u4e4b\u5f8c\uff0c\u5e73\u574730\u5e74\u56fa\u5b9a\u5229\u7387\u7684\u62b5\u62bc\u8cb8\u6b3e\u5229\u7387\u5df2\u7d93\u4e0b\u964d\u52306.4%\u3002\u96a8\u8457\u7f8e\u806f\u5132\u52a0\u606f\uff0c\u9019\u53ef\u80fd\u53cd\u800c\u5c0e\u81f4\u62b5\u62bc\u8cb8\u6b3e\u5229\u7387\u964d\u4f4e\uff0c\u56e0\u70ba\u9032\u4e00\u6b65\u9257\u5236\u4e86\u901a\u8ca8\u81a8\u8139\uff0c\u4f7f\u7d93\u6fdf\u589e\u9577\u66f4\u52a0\u653e\u7de9\u3002\u8f03\u4f4e\u7684\u901a\u8ca8\u81a8\u8139\u548c\u8f03\u6162\u7684\u7d93\u6fdf\u589e\u9577\u90fd\u6697\u793a\u8457\u8f03\u4f4e\u7684\u62b5\u62bc\u8cb8\u6b3e\u5229\u7387\u3002\u7576\u524d\uff0c\u7f8e\u570b\u62b5\u62bc\u8cb8\u6b3e\u5229\u7387\u4ecd\u7136\u9060\u9060\u9ad8\u65bc\u4e00\u5e74\u524d\u7684\u6c34\u5e73\uff0c\u9019\u7d66\u6f5b\u5728\u8cfc\u623f\u8005\u5e36\u4f86\u4e86\u96d9\u91cd\u6253\u64ca\uff0c\u4e5f\u5c31\u662f\u623f\u50f9\u66f4\u9ad8\uff0c\u5229\u7387\u66f4\u9ad8\uff0c\u5c0e\u81f4\u4f4f\u623f\u5e02\u5834\u653e\u7de9\u3002<\/p>\n

3. <\/b><\/strong>\u80a1\u7968\u548c\u50b5\u5238\u6295\u8cc7\u8005<\/b><\/strong><\/h2>\n

\u53ea\u8981\u7f8e\u806f\u5132\u5c07\u5229\u7387\u9577\u671f\u4fdd\u6301\u5728\u63a5\u8fd1\u96f6\u7684\u6c34\u5e73\uff0c\u80a1\u7968\u5e02\u5834\u5c31\u6703\u98c6\u5347\u3002\u4f4e\u5229\u7387\u5c0d\u80a1\u7968\u6709\u5229\uff0c\u4f7f\u5176\u8207\u50b5\u5238\u548c\u56fa\u5b9a\u6536\u5165\u6295\u8cc7\uff08\u5982\u5b9a\u671f\u5b58\u55ae\uff09\u7684\u5229\u7387\u76f8\u6bd4\uff0c\u770b\u8d77\u4f86\u662f\u66f4\u6709\u5438\u5f15\u529b\u7684\u6295\u8cc7\u3002\u6b63\u56e0\u70ba\u5982\u6b64\uff0c\u81ea2021\u5e74\u5e95\u4ee5\u4f86\uff0c\u6a19\u666e500\u6307\u6578\u57282022\u5e74\u7684\u5927\u90e8\u5206\u6642\u9593\u88cf\u90fd\u5728\u4e0b\u8dcc\uff0c\u539f\u56e0\u5c31\u662f\u592e\u884c\u63a5\u9023\u52a0\u606f\u3002<\/p>\n

McBride\u8868\u793a\uff0c\u66f4\u9ad8\u7684\u5229\u7387\u5c07\u6210\u70ba\u4f01\u696d\u76c8\u5229\u7684\u9006\u98a8\uff0c\u800c\u4f01\u696d\u76c8\u5229\u6700\u7d42\u6703\u63a8\u52d5\u80a1\u7968\u50f9\u683c\u3002\u57282022\u5e74\u7684\u5927\u90e8\u5206\u6642\u9593\u88cf\uff0c\u8f03\u9ad8\u7684\u5229\u7387\u5c0d\u50b5\u5238\u9020\u6210\u4e86\u6c89\u91cd\u7684\u6253\u64ca\uff0c\u5c0e\u81f4\u50f9\u683c\u4e0b\u8dcc\u3002\u73fe\u5728\uff0c\u96a8\u8457\u6295\u8cc7\u8005\u958b\u59cb\u767c\u73fe\u7f8e\u806f\u5132\u7a4d\u6975\u7684\u7dca\u7e2e\u653f\u7b56\u5373\u5c07\u7d50\u675f\uff0c\u50b5\u5238\u5e02\u5834\u4e00\u76f4\u5728\u5c0b\u627e\u50f9\u683c\u7684\u5e95\u7dda\u3002\u4f46\u662f\uff0c\u7531\u65bc\u7d93\u6fdf\u5c1a\u672a\u7d93\u66c6\u9810\u671f\u7684\u8870\u9000\uff0c\u80a1\u7968\u5e02\u5834\u53ef\u80fd\u4ecd\u7136\u8655\u65bc\u6ce2\u6298\u4e4b\u4e2d\u3002<\/p>\n

4. <\/b><\/strong>\u501f\u6b3e\u4eba<\/b><\/strong><\/h2>\n

\u5982\u679c\u4f60\u73fe\u5728\u662f\u4e00\u540d\u501f\u6b3e\u4eba\uff0c\u6bd4\u5982\u8aaa\u57282021\u5e74\u62162022\u5e74\u9396\u5b9a\u4e86\u4e00\u500b30\u5e74\u7684\u56fa\u5b9a\u5229\u7387\u62b5\u62bc\u8cb8\u6b3e\uff0c\u90a3\u66ab\u4e14\u4e0d\u7528\u64d4\u5fc3\u3002\u4f46\u662f\uff0c\u5176\u4ed6\u6240\u6709\u5e0c\u671b\u7372\u5f97\u65b0\u4fe1\u8cb8\u7684\u4eba\u73fe\u5728\u65e5\u5b50\u90fd\u4e0d\u597d\u904e\uff0c\u7121\u8ad6\u662f\u4fe1\u7528\u5361\u3001\u5b78\u751f\u8cb8\u6b3e\u3001\u500b\u4eba\u8cb8\u6b3e\u3001\u6c7d\u8eca\u8cb8\u6b3e\u9084\u662f\u5176\u4ed6\u4efb\u4f55\u53ef\u80fd\u9700\u8981\u7684\u501f\u6b3e\u3002<\/p>\n

\u6839\u64daBankrate\u7684\u7814\u7a76\uff0c\u622a\u81f31\u670825\u65e5\uff0c\u500b\u4eba\u8cb8\u6b3e\u7684\u5e73\u5747\u5229\u7387\u70ba10.6%\u3002\u4e0d\u904e\uff0c\u4fe1\u7528\u8f03\u597d\u7684\u501f\u6b3e\u4eba\u53ef\u80fd\u4ecd\u7136\u80fd\u5920\u7372\u5f97\u8f03\u4f4e\u7684\u5229\u7387\u30022021\u5e74\uff0c\u7f8e\u570b\u500b\u4eba\u8cb8\u6b3e\u5e73\u5747\u5229\u7387\u70ba9.38%\uff0c\u7576\u6642\u806f\u90a6\u57fa\u91d1\u5229\u7387\u63a5\u8fd1\u96f6\u3002\u6b64\u5916\uff0c\u64c1\u6709\u4efb\u4f55\u6d6e\u52d5\u5229\u7387\u50b5\u52d9\u7684\u4eba\u73fe\u5728\u4e5f\u6b63\u611f\u53d7\u5230\u66f4\u9ad8\u5229\u7387\u7684\u6bba\u50b7\u529b\u3002<\/p>\n

5. <\/b><\/strong>\u4fe1\u7528\u5361<\/b><\/strong><\/h2>\n

\u5728\u7f8e\u570b\uff0c\u8a31\u591a\u6d6e\u52d5\u5229\u7387\u4fe1\u7528\u5361\u6839\u64da\u6700\u512a\u60e0\u5229\u7387\u6539\u8b8a\u5c0d\u5ba2\u6236\u7684\u6536\u8cbb\u6a19\u51c6\uff0c\u800c\u6700\u512a\u60e0\u5229\u7387\u8207\u806f\u90a6\u57fa\u91d1\u5229\u7387\u5bc6\u5207\u76f8\u95dc\u3002\u7f8e\u806f\u5132\u7684\u6c7a\u5b9a\u610f\u5473\u8457\u73fe\u5728\u6d6e\u52d5\u5229\u7387\u5361\u7684\u5229\u606f\u5c07\u8d70\u9ad8\u3002\u4e8b\u5be6\u4e0a\uff0c\u4fe1\u7528\u5361\u7684\u5229\u7387\u5df2\u7d93\u9054\u5230\u4e86\u6578\u5341\u5e74\u9ad8\u9ede\uff0c\u800c\u4e14\u9084\u5728\u4e0a\u5347\u3002<\/p>\n

McBride\u8868\u793a\uff0c\u4fe1\u7528\u5361\u5229\u7387\u5c07\u8ddf\u96a8\u9019\u6b21\u548c\u4efb\u4f55\u9032\u4e00\u6b65\u7684\u7f8e\u806f\u5132\u52a0\u606f\uff0c\u5df2\u7d93\u8655\u65bc\u66c6\u53f2\u9ad8\u4f4d\u7684\u4fe1\u7528\u5361\u5229\u7387\u5c07\u7e7c\u7e8c\u8d70\u9ad8\uff0c\u5efa\u8b70\u512a\u5148\u511f\u9084\u9ad8\u6210\u672c\u7684\u4fe1\u7528\u5361\u50b5\u52d9\uff0c\u4e26\u5229\u7528\u96f6\u5229\u7387\u6216\u5176\u4ed6\u4f4e\u5229\u7387\u7684\u4fe1\u8cb8\u9918\u984d\u3002<\/p>\n

6. <\/b><\/strong>\u7f8e\u570b\u806f\u90a6\u653f\u5e9c<\/b><\/strong><\/h2>\n

\u96a8\u8457\u7f8e\u570b\u653f\u5e9c\u50b5\u52d9\u8d85\u904e31\u842c\u5104\u7f8e\u5143\uff0c\u5229\u7387\u4e0a\u5347\u5c07\u63d0\u9ad8\u806f\u90a6\u653f\u5e9c\u7684\u6210\u672c\uff0c\u56e0\u70ba\u6efe\u52d5\u50b5\u52d9\u548c\u501f\u5165\u65b0\u7684\u8cc7\u91d1\u3002\u7576\u7136\uff0c\u5e7e\u5341\u5e74\u4f86\uff0c\u653f\u5e9c\u4e00\u76f4\u53d7\u76ca\u65bc\u5229\u7387\u7684\u9577\u671f\u4e0b\u964d\u3002\u96d6\u7136\u5728\u7d93\u6fdf\u7e41\u69ae\u6642\u671f\uff0c\u5229\u7387\u53ef\u80fd\u6703\u5468\u671f\u6027\u4e0a\u5347\uff0c\u4f46\u5f9e\u9577\u671f\u4f86\u770b\uff0c\u5229\u7387\u4e00\u76f4\u5728\u7a69\u6b65\u8d70\u4f4e\u3002<\/p>\n

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