{"id":3841,"date":"2014-01-02T05:24:02","date_gmt":"2014-01-01T21:24:02","guid":{"rendered":"http:\/\/ec.moneydj.com\/joe\/?p=3841"},"modified":"2014-07-18T17:22:42","modified_gmt":"2014-07-18T09:22:42","slug":"2013%e5%b9%b4%e7%be%8e%e5%9c%8b%e6%88%bf%e5%9c%b0%e7%94%a2%e4%ba%a4%e6%98%93%e9%87%8f%e5%92%8c%e5%83%b9%e6%a0%bc%e8%ae%8a%e5%8c%96","status":"publish","type":"post","link":"https:\/\/blog.moneydj.com\/joe\/2014\/01\/02\/2013%e5%b9%b4%e7%be%8e%e5%9c%8b%e6%88%bf%e5%9c%b0%e7%94%a2%e4%ba%a4%e6%98%93%e9%87%8f%e5%92%8c%e5%83%b9%e6%a0%bc%e8%ae%8a%e5%8c%96\/","title":{"rendered":"2013\u5e74\u7f8e\u570b\u623f\u5730\u7522\u4ea4\u6613\u91cf\u548c\u50f9\u683c\u8b8a\u5316"},"content":{"rendered":"

2013\u5e74\u7f8e\u570b\u623f\u5730\u7522\u92b7\u552e\u91cf\u660e\u986f\u589e\u52a0\uff0c\u50f9\u683c\u4e5f\u51fa\u73fe\u4e0a\u6f32\uff0c\u9019\u662f\u7406\u60f3\u7684\u91cf\u50f9\u9f4a\u63da\uff0c\u672a\u4f863~5\u5e74\uff0c\u7f8e\u570b\u623f\u5730\u7522\u4f9d\u7136\u6a02\u89c0<\/span><\/p>\n

\"2007~2013\u5e74\u7f8e\u570b\u623f\u5730\u7522\u92b7\u552e\u50f9\u683c\" <\/span><\/p>\n

 \u5f9e\u5404\u50f9\u4f4d\u7684\u623f\u5730\u7522\u92b7\u552e\u60c5\u6cc1\u4f86\u770b\uff0c\u92b7\u552e<\/span>\u6700\u597d\u7684\u662fUS$20~29.999\u842c\u7684\u5efa\u7269\uff0c<\/span>\u92b7\u552e\u6210\u9577\u6700\u5dee\u7684\u662fUS$15\u842c\u4ee5\u4e0b\u7684\u5efa\u7269\uff0c<\/span>\u6c11\u773e\u8cfc\u8cb7\u7684\u4e0d\u662f\u6700\u4fbf\u5b9c\u7684\u5efa\u7269\uff0c<\/span>\u800c\u662f\u9078\u64c7\u81ea\u5df1\u8f03\u6709\u610f\u9858\u7684\u76ee\u6a19\uff0c<\/span>\u9019\u610f\u5473\u8457\u6c11\u773e\u6536\u5165\u8f03\u7a69\u5b9a<\/span>\uff0c\u800c\u4e0d\u662f\u8cb4\u7684\u8cb7\u4e0d\u8d77\uff0c<\/span><\/span><\/span>\u53ea\u80fd\u6311\u4f4e\u50f9\u7684\u8cfc\u8cb7\uff0c<\/span><\/span>\u623f\u5730\u7522\u92b7\u552e\u5e02\u5834\u662f\u5f88\u5065\u5eb7\u7684<\/span><\/span><\/span><\/p>\n

 <\/p>\n

\u63a5\u8457\u9032\u4e00\u6b65\u5206\u6790\u6c11\u773e\u7684\u7d93\u6fdf\u72c0\u6cc1\uff0c\u901a\u5e38\u73fe\u6709\u7684\u7d93\u6fdf\u80fd\u529b\u8f03\u597d\u7684\u6c11\u773e\uff0c\u8cb8\u6b3e\u6bd4\u4f8b\u8f03\u4f4e\uff0c<\/span><\/span>\u9078\u64c7\u7684\u54c1\u8cea\u4e5f\u8f03\u9ad8\u50f9\u4f4d<\/span>\uff0c<\/span>\u7f8e\u570b\u4eba\u8cfc\u7269\u5982\u679c\u662f\u9078\u64c7\u4efb\u4f55\u985e\u578b\u4f4e\u5229\u7387\u623f\u5229\u7f8e\u548c\u623f\u5730\u7f8e<\/span>\u8cb8\u6b3e\uff08FannieMae\u548cFreddie Mac)<\/span>\uff0c\u4e5f\u5c31\u662f\u666e\u901a\u985e\u578b\u7684conventional loan\uff0c<\/span>\u57fa\u672c\u7684\u689d\u4ef6\u90fd\u662f\u6709\u5169\u5e74\u4ee5\u4e0a\u7684\u6536\u5165\u548c\u4fe1\u7528\u8a18\u9304\uff0c\u7136\u5f8c\u6839\u64da\u5177\u9ad4\u6536\u5165\u548c\u652f\u51fa\u6578\u5b57\u8a08\u7b97\u51fa\u6c11\u773e\u53ef\u8ca0\u64d4\u8cb8\u6b3e\u984d\u5ea6\u3002<\/span><\/p>\n

 <\/p>\n

\"2008~2013\u5e74\u7f8e\u570b\u623f\u5730\u7522\u8cfc\u7269\u8cc7\u91d1\u4f86\u6e90\"  <\/span><\/p>\n

\u7f8e\u570b\u6c11\u773e\u5982\u679c\u6709\u8d85\u904e20%\u7684\u982d\u671f\u6b3e\uff0c<\/span>\u90a3\u9ebc\u53ef\u4ee5\u8003\u616e\u666e\u901a\u985e\u578b\u7684conventional loan\uff0c\u5982\u679c\u6c92\u670920%\u7684\u982d\u671f\u6b3e\uff0c\u90a3\u5c31\u8981\u770b\u904e\u53bb\u7684\u4fe1\u7528\u8a18\u9304\uff0c<\/span>\u826f\u597d\u7684\u4fe1\u7528\u7d00\u9304\u8cfc\u5c4b\u8005\uff0c<\/span>\u81ea\u4f4f\u8cfc\u623f\u53ef\u4ee5\u9078\u64c7\u8cfc\u8cb7\u623f\u8cb8\u4fdd\u96aa\u4f86\u4eab\u53d7\u666e\u901a\u985e\u578b\u8cb8\u6b3e\u7684\u512a\u60e0\u5229\u7387\uff0c\u5982\u679c\u4fe1\u7528\u4e0d\u5920\u7406\u60f3\u6216\u662f\u982d\u671f\u6b3e\u5c11\u65bc\u67d0\u500b\u6bd4\u4f8b\uff0c\u800c\u4e14\u662f<\/span>\u81ea\u4f4f\u985e\u578b\u7684\u8cfc\u623f\u6c11\u773e<\/span><\/span><\/span>\uff0c<\/span>\u90a3\u9ebc\u53ef\u4ee5\u9078\u64c7\u7f8e\u570b\u653f\u5e9c\u63d0\u4f9b\u64d4\u4fdd\u7684\u4f4e\u6536\u5165<\/span>FHA\u8cb8\u6b3e\u4f86\u8cfc\u623f\u3002<\/span><\/p>\n

FHA\u8cb8\u6b3e\u7684\u5229\u7387\u8207conventional\u8cb8\u6b3e\u7684\u5229\u7387\u76f8\u8fd1\uff0c\u53ea\u662f\u5728\u8cb8\u6b3e\u524d\u548c\u8cb8\u6b3e\u4e2d\u8981\u8cfc\u8cb7\u76f8\u61c9\u7684\u623f\u8cb8\u4fdd\u96aa\uff0c<\/span><\/span><\/span>Conventional\u8cb8\u6b3e\u548cFHA\u8cb8\u6b3e\u7684\u5dee\u7570\u662f\uff0cFHA\u8cb8\u6b3e\u53ef\u4ee5\u63a5\u53d7\u8f03\u4f4e\u982d\u671f\u6b3e\u548c\u4fe1\u7528\u8a18\u9304\u8f03\u4f4e\u7684\u81ea\u4f4f\u8cfc\u623f\u6c11\u773e\u3002<\/span><\/p>\n

\u7533\u8acb\u8cb8\u6b3e\u6642\uff0c<\/span><\/span><\/span><\/span>FHA\u8cb8\u6b3e\u4eba\u9700\u8981\u8f03\u9577\u7684\u6642\u9593\u624d\u80fd\u901a\u904e\uff0c\u5982\u679c\u7269\u4ef6\u5f88\u7af6\u722d\uff0c<\/span><\/span><\/span><\/span>\u4e00\u822c\u8ce3\u5bb6\u901a\u5e38\u5e0c\u671b\u76e1\u5feb\u5b8c\u6210\u4ea4\u6613\uff0c\u6240\u4ee5\u6703\u9078\u64c7conventional\u8cb8\u6b3e\u7684\u8cb7\u5bb6\u6a5f\u6703\u8f03\u5927\uff0c\u9019\u6642\u5019FHA\u8cb8\u6b3e\u4eba\u5c31\u6703\u8655\u65bc\u5f31\u52e2<\/span>\u3002\u9664\u975eFHA\u8cb8\u6b3e\u4eba\u5728\u8cfc\u623f\u524d\u5c31\u5148\u6e96\u5099\u597d\u7533\u8acb\u6d41\u7a0b\uff0c<\/span><\/span>\u4e8b\u5148\u901a\u904e\u9280\u884c\u57fa\u672c\u5be9\u6838\uff0c\u9019\u6a23\u6548\u76ca\u5c31\u5dee\u4e0d\u591a\uff0c<\/span><\/span><\/span><\/span><\/span>VA\u662f\u7f8e\u570b\u9000\u4f0d\u8ecd\u4eba\u8cb8\u6b3e\uff0c<\/span><\/span><\/span><\/span><\/span>\u548cFHA\u8207Conventional<\/span>\u4e0d\u540c\u985e\u578b<\/span>\u3002<\/span><\/p>\n

\u6c92\u6709\u7f8e\u570b\u8eab\u4efd\u548c\u4fe1\u7528\u7d00\u9304\u7684\u5916\u570b\u4eba\uff0c\u4f8b\u5982\u8003\u616e\u79fb\u6c11\u6216\u6295\u8cc7\u7684\u6d77\u5916\u6c11\u773e\uff0c<\/span>\u5247\u9700\u8981\u8f03\u9ad8\u7684\u8cb8\u6b3e\u5229\u606f\u548c\u982d\u671f\u6b3e\u6bd4\u4f8b\uff0c<\/span>\u7b49\u6709\u4e00\u6bb5\u9577\u6642\u9593\u5728\u7f8e\u570b\u7684\u4fe1\u7528\u57fa\u790e\u5f8c\uff0c\u5c31\u53ef\u4ee5\u8f49\u578b\u70baConventional\u8cb8\u6b3e\u5f62\u5f0f\uff0c<\/span><\/span>\u53ea\u662f\u9700\u8981\u591a\u4e9b\u6642\u9593\u3002<\/p>\n

\u5f9e\u8cb8\u6b3e\u6210\u9577\u7684\u901f\u5ea6\u4f86\u770b\uff0c<\/span><\/span>\u660e\u986f\u6210\u9577\u5728\u65bc2011\u5e74\u4e0b\u534a\u5e74\u958b\u59cb\uff0c<\/span><\/span>2013\u5e74\u524d\u5f8c\u4e00\u5b63\u6210\u9577\u52a0\u5feb\uff0c<\/span><\/span>\u800c\u4e14\u73fe\u91d1\u8cfc\u5c4b\u7684\u6bd4\u4f8b\u4e5f\u589e\u52a0\u4e86\uff0c<\/span><\/span>\u9019\u610f\u5473\u8457\u7f8e\u570b\u8cfc\u5c4b\u8005\u7684\u7d93\u6fdf\u60c5\u6cc1\u9010\u6f38\u518d\u8f49\u597d\uff0c<\/span><\/span>\u672a\u4f86\u6578\u5e74\u5167\uff0c<\/span><\/span>\u7f8e\u570b\u623f\u5730\u7522\u90fd\u6703\u5448\u73fe\u76f8\u5c0d\u7a69\u5b9a\u7684\u6210\u9577\uff0c<\/span><\/span>\u5c0d\u65bc\u623f\u5730\u7522\u548c\u91d1\u878d\u696d\u90fd\u6703\u6709\u5f88\u5927\u7684\u5e6b\u52a9
<\/span><\/p>\n

\u5f9e\u6295\u8cc7\u89d2\u5ea6\u4f86\u770b\uff0c<\/span><\/span><\/span>\u8cfc\u5c4b\u9700\u8981\u8cb8\u6b3e\uff0c<\/span><\/span><\/span>\u6240\u4ee5\u91d1\u878d\u985e\u80a1\u6703\u53d7\u76ca\uff0c<\/span><\/span><\/span>\u4e0d\u7ba1\u6c11\u773e\u662f\u6709\u9322\u8cfc\u5c4b\uff0c\u6216\u662f\u6c92\u9322\u79df\u5c4b\uff0c\u57fa\u672c\u4e0a\u90fd\u6703\u6dfb\u8cfc\u50a2\u4ff1\uff0c\u6216\u8005\u91cd\u65b0\u88dd\u6f62\u5ba4\u5167\u5ba4\u5916\uff0c\u6240\u4ee5XHB\u9019\u985e\u578b\u7684ETF\u5c31\u6703\u53cd\u6620\u6c11\u9593\u6d88\u8cbb\u623f\u5730\u7522\u5546\u54c1\u7684\u71b1\u5ea6\uff0c<\/span><\/span><\/span><\/span>\u6709\u8cfc\u5c4b\u9700\u6c42\u5c31\u5c0d\u5e36\u52d5\u5efa\u5546\u6295\u8cc7\uff0c<\/span><\/span><\/span><\/span>\u6240\u4ee5ITB\u6703\u63a5\u8457\u53cd\u6620\uff0c<\/span><\/span><\/span><\/span>\u6700\u5f8c\u624d\u662f\u6574\u9ad4\u5e02\u5834\uff0c<\/span><\/span><\/span><\/span>\u985e\u4f3cIYR\u7684ETF\u6703\u9010\u6f38\u6210\u9577\uff0c<\/span><\/span><\/span><\/span>\u623f\u5730\u7522\u8cb8\u6b3e\u5247\u662f\u56e0\u70ba\u7f8e\u570b\u806f\u6e96\u6703\u7dca\u7e2e\u8ca8\u5e63\u653f\u7b56\uff0c\u623f\u5730\u7522<\/span><\/span><\/span><\/span>REM\u7684\u6548\u76ca\u5247\u662f\u6700\u665a\u624d\u6703\u51fa\u73fe\uff0c<\/span><\/span><\/span><\/span><\/span><\/span><\/span><\/span><\/span>\u5404\u9805\u6a19\u7684\u7684\u6700\u4f4e\u9ede\u51fa\u73fe\u53ef\u80fd\u56e0\u70ba\u5e02\u5834\u60c5\u7dd2\u800c\u7121\u898f\u5f8b\uff0c<\/span><\/span><\/span><\/span><\/span><\/span><\/span><\/span><\/span>\u4e0d\u904e\u6f32\u52e2\u5e45\u5ea6\u8b8a\u5316\u537b\u662f\u6709\u898f\u5f8b\u53ef\u5faa\u3002<\/span><\/span><\/span><\/span><\/span><\/span><\/p>\n","protected":false},"excerpt":{"rendered":"

2013\u5e74\u7f8e\u570b\u623f\u5730\u7522\u92b7\u552e\u91cf\u660e\u986f\u589e\u52a0\uff0c\u50f9\u683c\u4e5f\u51fa\u73fe\u4e0a\u6f32 […]<\/a><\/p>\n<\/div>","protected":false},"author":8,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[22],"tags":[],"class_list":["post-3841","post","type-post","status-publish","format-standard","hentry","category-news-opinion"],"jetpack_featured_media_url":"","jetpack_shortlink":"https:\/\/wp.me\/p4VJae-ZX","jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/blog.moneydj.com\/joe\/wp-json\/wp\/v2\/posts\/3841","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/blog.moneydj.com\/joe\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/blog.moneydj.com\/joe\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/blog.moneydj.com\/joe\/wp-json\/wp\/v2\/users\/8"}],"replies":[{"embeddable":true,"href":"https:\/\/blog.moneydj.com\/joe\/wp-json\/wp\/v2\/comments?post=3841"}],"version-history":[{"count":1,"href":"https:\/\/blog.moneydj.com\/joe\/wp-json\/wp\/v2\/posts\/3841\/revisions"}],"predecessor-version":[{"id":4342,"href":"https:\/\/blog.moneydj.com\/joe\/wp-json\/wp\/v2\/posts\/3841\/revisions\/4342"}],"wp:attachment":[{"href":"https:\/\/blog.moneydj.com\/joe\/wp-json\/wp\/v2\/media?parent=3841"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/blog.moneydj.com\/joe\/wp-json\/wp\/v2\/categories?post=3841"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/blog.moneydj.com\/joe\/wp-json\/wp\/v2\/tags?post=3841"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}