{"id":1685,"date":"2012-09-16T13:16:40","date_gmt":"2012-09-16T20:16:40","guid":{"rendered":"https:\/\/lindaqin.com\/2012%e5%b9%b4%e4%b9%9d%e6%9c%88%e4%bb%bd%e6%b8%a9%e5%93%a5%e5%8d%8e%e6%88%bf%e5%9c%b0%e4%ba%a7%e5%b8%82%e5%9c%ba%e6%8a%a5%e5%91%8a\/"},"modified":"2018-02-04T15:12:00","modified_gmt":"2018-02-04T23:12:00","slug":"2012-september-vancouver-market-update","status":"publish","type":"post","link":"https:\/\/lindaqin.com\/zh-hans\/blog-cn\/2012-september-vancouver-market-update\/","title":{"rendered":"2012\u5e74\u4e5d\u6708\u4efd\u6e29\u54e5\u534e\u623f\u5730\u4ea7\u5e02\u573a\u62a5\u544a"},"content":{"rendered":"

\u590f\u5b63\u7684\u5730\u4ea7\u5e02\u573a\u4e00\u5411\u6bd4\u8f83\u6de1\uff0c2012 \u81ea\u7136\u4e0d\u4f8b\u5916\u3002\u9500\u552e\u6d3b\u52a8\u4f4e\u8ff7\u56fa\u7136\u5f15\u53d1\u4e86\u4e00\u4e9b\u9884\u8a00\u5bb6\u8ba4\u4e3a\u52a0\u62ff\u5927\u7684\u623f\u5c4b\u5730\u4ea7\u4f1a\u6709\u5174\u9769\u884c\u7684\u52a8\u4f5c\u3002\u4f46\u76f4\u5230\u76ee\u524d\u4e3a\u6b62\uff0c\u623f\u4ef7\u5728\u5927\u90e8\u5206\u5730\u533a\u90fd\u80fd\u7ef4\u6301\u76f8\u5f53\u7a33\u5b9a\u7684\u72b6\u6001\u3002\u4e8b\u5b9e\u4e0a\uff0c\u597d\u50cf\u5df2\u7ecf\u8fc7\u9ad8\u7684\u897f\u533a\u5730\u4ea7\u623f\u4ef7\uff0c\u548c\u53bb\u5e74\u516b\u6708\u6bd4\u8f83\u4e0b\u8fd8\u662f\u6da8\u4e8611%\u3002\u539f\u56e0\u662f\u6210\u4ea4\u91cf\u867d\u5c0f\uff0c\u6210\u4ea4\u4ef7\u683c\u5374\u53ef\u89c2\u3002\u8fd9\u5c31\u662f\u4e3a\u4ec0\u4e48\u6211\u4eec\u4e0a\u4e2a\u6708\u4f1a\u7279\u522b\u8ba8\u8bba\u7edf\u8ba1\u6570\u5b57\u5e73\u5747\u503c\u8bef\u5bfc\u89c6\u542c\u7684\u95ee\u9898\u3002<\/p>\n

\u6682\u65f6\u653e\u4e0b\u5e02\u573a\u5185\u56e0\u7d20\u4e0d\u8c08\uff0c\u9762\u5bf9\u6765\u81ea\u6b27\u7f8e\u5404\u56fd\u4e00\u6ce2\u63a5\u4e00\u6ce2\u7684\u8d22\u7ecf\u96be\u9898\uff0c\u6211\u4eec\u603b\u4e5f\u5f97\u672a\u96e8\u7ef8\u7f2a\uff0c\u659f\u914c\u4e00\u4e0b\u8fd9\u4e9b\u95ee\u9898\u5bf9\u6211\u4eec\u623f\u4ef7\u4e43\u81f3\u6574\u4e2a\u5730\u4ea7\u5e02\u573a\u7684\u5f71\u54cd\u3002\u6d88\u8d39\u8005\u4fe1\u5fc3\u56fa\u7136\u662f\u7ef4\u62a4\u623f\u5730\u4ea7\u5065\u5168\u4f53\u5236\u7684\u91cd\u8981\u56e0\u7d20\uff0c\u5927\u5bb6\u53ef\u4e5f\u522b\u5fd8\u4e86\uff0c\u5728\u7b3c\u7f69\u5168\u7403\u7684\u91d1\u878d\u98ce\u66b4\u4e2d\uff0c\u52a0\u62ff\u5927\u5f77\u4f5b\u662f\u8352\u6f20\u4e2d\u7684\u4e00\u65b9\u7eff\u6d32\u3002<\/p>\n

\u4f17\u6240\u5468\u77e5\uff0c\u7f8e\u56fd\u623f\u5730\u4ea7\u8427\u6761\u4e86\u597d\u51e0\u5e74\u4e86\u3002\u52a0\u62ff\u5927\u4e5f\u4e0d\u65f6\u7ffb\u8d77\u4e00\u4e9b\u8981\u6c42\u623f\u4ea7\u5e02\u573a\u9769\u65b0\u7684\u58f0\u6d6a\u3002\u4e0d\u8fc7\u6574\u4f53\u800c\u8a00\uff0c\u6211\u4eec\u662f\u4e0d\u592a\u53ef\u80fd\u50cf\u7f8e\u56fd\u9677\u8eab\u5230\u5982\u6b64\u8270\u8f9b\u7684\u5730\u6b65\u3002<\/p>\n

\u4e3b\u8981\u6709\u4e09\u4e2a\u539f\u56e0:<\/strong><\/p>\n

(1) \u653f\u5e9c\u7684\u7a0e\u52a1\u653f\u7b56
\n(2) \u8d37\u6b3e\u6761\u4ef6\u7684\u653f\u7b56
\n(3) \u94f6\u884c\u653e\u6b3e\u7684\u653f\u7b56<\/p>\n

\u653f\u5e9c\u7684\u7a0e\u52a1\u653f\u7b56<\/h3>\n

\u7f8e\u56fd\u653f\u5e9c\u957f\u4e45\u4ee5\u6765\uff0c\u4e00\u76f4\u90fd\u5728\u5021\u5bfc\u4f4f\u8005\u6709\u5176\u5c4b\u7684\u653f\u7b56\u3002\u4e5f\u6b63\u5982\u6b64\uff0c\u50cf \u201cFanny Mae and Freddy Mac\u201d \u8fd9\u6837\u6709\u653f\u5e9c\u80cc\u540e\u652f\u6301\u7684\u516c\u53f8\uff0c\u5728\u7f8e\u56fd\u4f4f\u5c4b\u5371\u673a\u5f53\u5934\uff0c\u624d\u4f1a\u540c\u610f\u6536\u8d2d\u4e00\u4e9b\u4e0d\u5065\u5168\u7684\u623f\u5c4b\u62b5\u62bc\u8d37\u6b3e\u3002\uff0c\u56e0\u800c\u540d\u64cd\u4e00\u65f6\u3002\u53ef\u662f\u8fd9\u6837\u7684\u505a\u6cd5\u8fd8\u662f\u62b5\u4e0d\u8fc7\u653f\u5e9c\u672c\u8eab\u6240\u9020\u6210\u7684\u95ee\u9898\u3002\u7a0e\u52a1\u653f\u7b56\u4ee5\u201c\u623f\u5c4b\u62b5\u62bc\u8d37\u6b3e\u5229\u606f\u53ef\u4ee5\u62b5\u7a0e\u201d\u6765\u5f15\u5bfc\u5927\u5bb6 \u201c\u4f4f\u8005\u4e70\u5176\u5c4b\u201d\uff0c\u7ed3\u679c\u662f\u5927\u5bb6\u62fc\u547d\u8d37\u6b3e\u4e70\u623f\u5b50\uff0c\u76ee\u7684\u4e0d\u662f\u4e3a\u4e86\u8981\u4f4f\u5176\u5c4b\uff0c\u800c\u662f\u4e3a\u4e86\u62b5\u7a0e\u3002\u8fd9\u5c31\u5f15\u53d1\u4e00\u8fde\u4e32\u7684\u6076\u6027\u5faa\u73af\u3002<\/p>\n

\u53cd\u89c2\u52a0\u62ff\u5927\uff0c\u6b64\u5730\u53ea\u6709\u6295\u8d44\u7528\u7684\u7269\u4e1a\u624d\u53ef\u4ee5\u4eab\u53d7\u623f\u5c4b\u62b5\u62bc\u8d37\u6b3e\u5229\u606f\u62b5\u7a0e\u7684\u4f18\u60e0\uff0c\u4e00\u822c\u81ea\u7528\u8005\u662f\u6ca1\u6709\u8fd9\u9053\u95e8\u8def\u7684\u3002\u8d37\u6b3e\u8005\u81ea\u7136\u8981\u91cf\u529b\u800c\u4e3a\uff0c\u653e\u6b3e\u8005\u66f4\u662f\u8c28\u614e\u5c0f\u5fc3\uff0c\u5e02\u573a\u81ea\u7136\u6bd4\u8f83\u7a33\u5b9a\u3002<\/p>\n

\u8d37\u6b3e\u6761\u4ef6\u7684\u653f\u7b56<\/h3>\n

\u7f8e\u56fd\u5141\u8bb8\u6709\u6b21\u7ea7\u623f\u5c4b\u62b5\u62bc\u8d37\u6b3esecondary mortgage\uff0c\u539f\u653e\u6b3e\u8005\u53ef\u4ee5\u5c06\u8d37\u6b3e\u6848\u8f6c\u552e\u7ed9\u4e16\u754c\u5404\u5730\u7684\u6295\u8d44\u8005\u3002\u5982\u6b64\u4e00\u6765\uff0c\u653e\u6b3e\u8005\u548c\u4e00\u4e9b\u623f\u5c4b\u62b5\u62bc\u8d37\u6b3e\u4e2d\u4ecb\u5546\u5c31\u8086\u65e0\u5fcc\u60ee\u5730\u5927\u91cf\u653e\u6b3e\uff0c\u4e00\u70b9\u90fd\u4e0d\u8003\u8651\u98ce\u9669\u7a0b\u5ea6\u3002\u8fd9\u79cd\u6b6a\u98ce\u52a9\u957f\u4e86 \u201c\u5e4c\u5b50\u8d37\u6b3e\u201d \u548c \u201c\u5fcd\u8005\u8d37\u6b3e\u201d \u7684\u76db\u884c\u3002\u524d\u8005\u662f\u65e2\u7136\u77e5\u9053\u653e\u6b3e\u8005\u4e0d\u4f1a\u53bb\u8c03\u67e5\u6838\u5b9e\uff0c\u8d37\u6b3e\u4eba\u5c31\u5927\u80c6\u865a\u62a5\u804c\u4e1a\u4e0e\u6536\u5165\u6240\u5f97\uff0c\u6643\u4e00\u62db\u5c31\u53ef\u83b7\u5f97\u8d37\u6b3e\uff1b\u540e\u8005\u662f\u65e0\u6536\u5165\u3001\u65e0\u804c\u4e1a\u3001\u65e0\u8d44\u4ea7\u7684\u4eba\u7167\u6837\u5f97\u5230\u8d37\u6b3e\u3002<\/p>\n

\u8fd9\u4e00\u70b9\u5728\u52a0\u62ff\u5927\u5c31\u4e0d\u592a\u4f1a\u53d1\u751f\u3002\u539f\u653e\u6b3e\u8005\u901a\u5e38\u662f\u5927\u94f6\u884c\uff0c\u4ed6\u4eec\u4e0d\u4f1a\u8f7b\u6613\u628a\u623f\u5c4b\u62b5\u62bc\u8d37\u6b3e\u7684\u6848\u5b50\u8f6c\u8ba9\u4ed6\u4eba\uff0c\u5bf9\u8d37\u6b3e\u4eba\u7684\u7ecf\u6d4e\u5b9e\u529b\u3001\u507f\u8fd8\u80fd\u529b\u90fd\u4f1a\u4e8b\u5148\u5f88\u8ba4\u771f\u5730\u6838\u5b9e\u67e5\u8bc1\uff0c\u7edd\u4e0d\u8f7b\u6613\u653e\u6b3e\u3002<\/p>\n

\u94f6\u884c\u653e\u6b3e\u7684\u653f\u7b56<\/h3>\n

\u7f8e\u56fd\u7684\u6b21\u7ea7\u623f\u5c4b\u62b5\u62bc\u8d37\u6b3e\u653f\u7b56\u4e3a\u4e86\u5438\u5f15\u6761\u4ef6\u4e0d\u751a\u4e48\u6837\u7684\u8d37\u6b3e\u8005\u5165\u58c5\uff0c\u4e0d\u7ecf\u610f\u5730\u4fc3\u6210\u4e86 “\u53ef\u8c03\u606f\u623f\u5c4b\u62b5\u62bc\u8d37\u6b3e”Adjustable-Rate Mortgage \u7684\u8bde\u751f\u3002\u65e2\u7136\u53ef \u201c\u8c03\u606f\u201d\uff0c\u90a3\u5c31\u5148\u4ee5\u4f4e\u5f97\u4e0d\u5207\u5b9e\u9645\uff0c\u4f4e\u5f97\u8ba9\u4f60\u65e0\u6cd5\u6297\u62d2\u7684\u5229\u7387\u8ba9\u4f60\u4e0a\u94a9\uff0c\u4e00\u6bb5\u65f6\u95f4\u540e\u518d\u9010\u6b65 \u201c\u8c03\u9ad8\u5229\u606f\u201d\uff0c\u4e00\u76f4\u9ad8\u5230\u8ba9\u4f60\u65e0\u6cd5\u8d1f\u62c5\u3002<\/p>\n

\u9664\u6b64\u4e4b\u5916\uff0c\u7f8e\u56fd\u7684\u623f\u5c4b\u62b5\u62bc\u8d37\u6b3e\u653e\u6b3e\u8005\u7684\u8ffd\u7d22\u6743\u53ea\u9650\u4e8e\u6ca1\u6536\u62b5\u62bc\u7684\u623f\u4ea7(non-recourse)\u3002\u52a0\u62ff\u5927\u5219\u6709 \u201c\u5145\u4efd\u8ffd\u7d22\u6743\u201d (full-recourse) \u7684\u89c4\u5b9a\uff0c\u8bb8\u591a\u94f6\u884c\u90fd\u4f1a\u8981\u6c42\u6709\u4e2a\u4eba\u8d44\u4ea7\u62c5\u4fdd\u3002\u5982\u6b64\u4e00\u6765\uff0c\u6bd4\u8f83\u4e0d\u4f1a\u51fa\u73b0\u7f8e\u56fd\u5e38\u6709\u7684\u73b0\u8c61: \u4ed8\u4e0d\u8d77\u8d37\u6b3e\u561b\uff0c\u6536\u62fe\u7ec6\u8f6f\uff0c\u623f\u5b50\u7ed9\u4f60\uff0c\u6325\u6325\u624b\uff0c\u6f47\u6d12\u4e0d\u56de\u5934\u4e86\u3002<\/p>\n

\u4ee5\u4e0a\u79cd\u79cd\u4e0d\u540c\u7684\u653f\u7b56\uff0c\u662f\u52a0\u62ff\u5927\u5e78\u514d\u4e8e\u7f8e\u56fd\u623f\u5730\u4ea7\u5e02\u573a\u707e\u96be\u7684\u539f\u56e0\u3002 \u4e0d\u4f46\u5982\u6b64, \u8054\u90a6\u653f\u5e9c\u8fd8\u4f1a\u540c\u52a0\u62ff\u5927\u4e2d\u592e\u94f6\u884c(Bank of Canada) \u5728\u4eca\u5e74\u4e03\u6708\u4e5d\u65e5\u4fee\u6539\u4e86\u623f\u5c4b\u8d37\u6b3e\u6cd5\u89c4\uff0c\u628a\u66fe\u7ecf\u53ef\u4ee5\u957f\u8fbe40 \u5e74\u7684\u8d37\u6b3e\u671f\u9650\u7f29\u77ed\u4e3a\u6700\u591a\u4e0d\u5f97\u8d85\u8fc725\u5e74\uff0c\u6709\u6548\u5730\u5f3a\u5316\u4e86\u52a0\u62ff\u5927\u4eba\u539f\u6765\u5c31\u4fdd\u6709\u7684 “\u91cf\u5165\u4e3a\u51fa” \u7684\u826f\u597d\u8d2d\u5c4b\u4e60\u60ef\u3002<\/p>\n

\u6709\u8da3\u7684\u662f\uff0c\u5e38\u5e38\u88ab\u6211\u4eec\u6279\u8bc4\u662f\u65e2\u4fdd\u5b88\u53c8\u7f3a\u4e4f\u79ef\u6781\u6027\u7684\u52a0\u62ff\u5927\u94f6\u884c\u5236\u5ea6\uff0c\u5230\u5934\u6765\u53ef\u80fd\u6b63\u662f\u8ba9\u6211\u4eec\u623f\u5730\u4ea7\u5e02\u573a\u514d\u4e8e\u5d29\u76d8\u7684\u5c4f\u969c\u3002<\/p>\n

\u5982\u6709\u5176\u4ed6\u95ee\u9898\uff0c\u6b22\u8fce\u6765\u7535\u90ae\u6216\u7535\u8bdd\u8ba8\u8bba<\/a>\u3002<\/p>\n","protected":false},"excerpt":{"rendered":"

\u590f\u5b63\u7684\u5730\u4ea7\u5e02\u573a\u4e00\u5411\u6bd4\u8f83\u6de1\uff0c2012 \u81ea\u7136\u4e0d\u4f8b\u5916\u3002\u9500\u552e\u6d3b\u52a8\u4f4e\u8ff7\u56fa\u7136\u5f15\u53d1\u4e86\u4e00\u4e9b\u9884\u8a00\u5bb6\u8ba4\u4e3a\u52a0\u62ff\u5927\u7684\u623f\u5c4b\u5730\u4ea7\u4f1a\u6709\u5174\u9769\u884c\u7684\u52a8\u4f5c\u3002\u4f46\u76f4\u5230\u76ee\u524d\u4e3a\u6b62\uff0c\u623f\u4ef7\u5728\u5927\u90e8…<\/p>\n","protected":false},"author":21,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[54],"tags":[60],"class_list":["post-1685","post","type-post","status-publish","format-standard","hentry","category-blog-cn","tag-real-estate-cn"],"_links":{"self":[{"href":"https:\/\/lindaqin.com\/zh-hans\/wp-json\/wp\/v2\/posts\/1685","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/lindaqin.com\/zh-hans\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/lindaqin.com\/zh-hans\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/lindaqin.com\/zh-hans\/wp-json\/wp\/v2\/users\/21"}],"replies":[{"embeddable":true,"href":"https:\/\/lindaqin.com\/zh-hans\/wp-json\/wp\/v2\/comments?post=1685"}],"version-history":[{"count":0,"href":"https:\/\/lindaqin.com\/zh-hans\/wp-json\/wp\/v2\/posts\/1685\/revisions"}],"wp:attachment":[{"href":"https:\/\/lindaqin.com\/zh-hans\/wp-json\/wp\/v2\/media?parent=1685"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/lindaqin.com\/zh-hans\/wp-json\/wp\/v2\/categories?post=1685"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/lindaqin.com\/zh-hans\/wp-json\/wp\/v2\/tags?post=1685"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}