{"id":126,"date":"2025-02-25T15:41:37","date_gmt":"2025-02-25T07:41:37","guid":{"rendered":"https:\/\/97888.com.tw\/posts\/?p=126"},"modified":"2025-02-25T15:41:37","modified_gmt":"2025-02-25T07:41:37","slug":"%e8%b2%a0%e5%82%b5%e6%af%94%e7%8e%87%ef%bc%9a%e5%a6%82%e4%bd%95%e8%a8%88%e7%ae%97%e8%b2%a0%e5%82%b5%e8%88%87%e6%94%b6%e5%85%a5%e7%9a%84%e5%b9%b3%e8%a1%a1%ef%bc%9f","status":"publish","type":"post","link":"https:\/\/97888.com.tw\/posts\/?p=126","title":{"rendered":"\u8ca0\u50b5\u6bd4\u7387\uff1a\u5982\u4f55\u8a08\u7b97\u8ca0\u50b5\u8207\u6536\u5165\u7684\u5e73\u8861\uff1f"},"content":{"rendered":"\n<p>\u8ca0\u50b5\u6bd4\u7387\u662f\u8861\u91cf\u8ca1\u52d9\u5065\u5eb7\u7684\u91cd\u8981\u6307\u6a19\uff0c\u5c0d\u65bc\u8cb8\u6b3e\u7533\u8acb\u8005\u800c\u8a00\uff0c\u4e86\u89e3\u8ca0\u50b5\u6bd4\u7387\u7684\u8a08\u7b97\u65b9\u5f0f\u53ca\u5176\u5f71\u97ff\uff0c\u80fd\u5e6b\u52a9\u60a8\u66f4\u597d\u5730\u898f\u5283\u8ca1\u52d9\u4e26\u63d0\u9ad8\u8cb8\u6b3e\u6210\u529f\u7387\u3002\u672c\u6587\u5c07\u8a73\u7d30\u4ecb\u7d39\u4ec0\u9ebc\u662f\u8ca0\u50b5\u6bd4\u7387\u3001\u5982\u4f55\u8a08\u7b97\uff0c\u4ee5\u53ca\u964d\u4f4e\u8ca0\u50b5\u6bd4\u7387\u7684\u65b9\u6cd5\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u4ec0\u9ebc\u662f\u8ca0\u50b5\u6bd4\u7387\uff1f<\/h2>\n\n\n\n<p>\u8ca0\u50b5\u6bd4\u7387\uff08Debt-to-Income Ratio, DTI\uff09\u662f\u7528\u4f86\u8861\u91cf\u500b\u4eba\u6bcf\u6708\u6536\u5165\u4e2d\u6709\u591a\u5c11\u6bd4\u4f8b\u88ab\u7528\u65bc\u511f\u9084\u50b5\u52d9\u3002\u8cb8\u6b3e\u6a5f\u69cb\u6703\u5229\u7528\u8a72\u6578\u64da\u8a55\u4f30\u7533\u8acb\u4eba\u7684\u9084\u6b3e\u80fd\u529b\uff0c\u4ee5\u78ba\u4fdd\u65b0\u589e\u8cb8\u6b3e\u4e0d\u6703\u4f7f\u5176\u8ca1\u52d9\u58d3\u529b\u904e\u5927\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u70ba\u4ec0\u9ebc\u8ca0\u50b5\u6bd4\u7387\u91cd\u8981\uff1f<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u8cb8\u6b3e\u8a55\u4f30\u7684\u6838\u5fc3\u56e0\u7d20<\/strong>\uff1a\u8cb8\u6b3e\u6a5f\u69cb\u504f\u597d\u8ca0\u50b5\u6bd4\u7387\u8f03\u4f4e\u7684\u501f\u6b3e\u4eba\uff0c\u56e0\u70ba\u9019\u4ee3\u8868\u8f03\u4f4e\u7684\u98a8\u96aa\u3002<\/li>\n\n\n\n<li><strong>\u5f71\u97ff\u8cb8\u6b3e\u689d\u4ef6<\/strong>\uff1a\u8ca0\u50b5\u6bd4\u7387\u8d8a\u4f4e\uff0c\u8d8a\u6709\u6a5f\u6703\u7372\u5f97\u8f03\u4f4e\u7684\u8cb8\u6b3e\u5229\u7387\u548c\u66f4\u597d\u7684\u689d\u4ef6\u3002<\/li>\n\n\n\n<li><strong>\u8ca1\u52d9\u5065\u5eb7\u7684\u6307\u6a19<\/strong>\uff1a\u9ad8\u8ca0\u50b5\u6bd4\u7387\u53ef\u80fd\u610f\u5473\u8457\u904e\u591a\u7684\u8ca1\u52d9\u58d3\u529b\uff0c\u5f71\u97ff\u9577\u671f\u7406\u8ca1\u8a08\u5283\u3002<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">\u5982\u4f55\u8a08\u7b97\u8ca0\u50b5\u6bd4\u7387\uff1f<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">\u8ca0\u50b5\u6bd4\u7387\u516c\u5f0f<\/h3>\n\n\n\n<pre class=\"wp-block-preformatted\">\u8907\u88fd\u7a0b\u5f0f\u78bc<code>\u8ca0\u50b5\u6bd4\u7387 = \u6bcf\u6708\u50b5\u52d9\u652f\u4ed8\u7e3d\u984d \u00f7 \u6bcf\u6708\u6536\u5165 \u00d7 100%\n<\/code><\/pre>\n\n\n\n<h3 class=\"wp-block-heading\">\u8209\u4f8b\u8aaa\u660e<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u6708\u6536\u5165<\/strong>\uff1a\u65b0\u53f0\u5e63 50,000 \u5143<\/li>\n\n\n\n<li><strong>\u6bcf\u6708\u50b5\u52d9<\/strong>\uff1a\u5305\u62ec\u623f\u8cb8 15,000 \u5143\uff0c\u4fe1\u7528\u5361\u5206\u671f\u4ed8\u6b3e 5,000 \u5143\uff0c\u5176\u4ed6\u8cb8\u6b3e 3,000 \u5143<\/li>\n\n\n\n<li><strong>\u8a08\u7b97<\/strong>\uff1a \u8ca0\u50b5\u6bd4\u7387=(15,000+5,000+3,000)\u00f750,000\u00d7100%=46\u8ca0\u50b5\u6bd4\u7387 = (15,000 + 5,000 + 3,000) \u00f7 50,000 \u00d7 100\\% = 46%\u8ca0\u50b5\u6bd4\u7387=(15,000+5,000+3,000)\u00f750,000\u00d7100%=46<\/li>\n<\/ul>\n\n\n\n<p>\u7d50\u679c\u986f\u793a\uff0c46% \u7684\u8ca0\u50b5\u6bd4\u7387\u53ef\u80fd\u5c0d\u8cb8\u6b3e\u7533\u8acb\u9020\u6210\u4e0d\u5229\u5f71\u97ff\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u7406\u60f3\u7684\u8ca0\u50b5\u6bd4\u7387\u7bc4\u570d<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u4f4e\u65bc 30%<\/strong>\uff1a\u8ca1\u52d9\u5065\u5eb7\uff0c\u8cb8\u6b3e\u6a5f\u69cb\u6700\u9858\u610f\u6279\u51c6\u3002<\/li>\n\n\n\n<li><strong>30%-40%<\/strong>\uff1a\u53ef\u4ee5\u63a5\u53d7\uff0c\u4f46\u5229\u7387\u53ef\u80fd\u7565\u9ad8\u3002<\/li>\n\n\n\n<li><strong>\u8d85\u904e 40%<\/strong>\uff1a\u8cb8\u6b3e\u7533\u8acb\u53ef\u80fd\u88ab\u62d2\uff0c\u9700\u6539\u5584\u8ca1\u52d9\u72c0\u6cc1\u3002<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">\u5982\u4f55\u964d\u4f4e\u8ca0\u50b5\u6bd4\u7387\uff1f<\/h2>\n\n\n\n<p>\u964d\u4f4e\u8ca0\u50b5\u6bd4\u7387\u4e0d\u50c5\u80fd\u63d0\u9ad8\u8cb8\u6b3e\u7533\u8acb\u6210\u529f\u7387\uff0c\u4e5f\u80fd\u6539\u5584\u500b\u4eba\u8ca1\u52d9\u5065\u5eb7\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u65b9\u6cd5 1\uff1a\u63d0\u524d\u511f\u9084\u50b5\u52d9<\/h3>\n\n\n\n<p>\u512a\u5148\u511f\u9084\u9ad8\u5229\u7387\u50b5\u52d9\uff08\u5982\u4fe1\u7528\u5361\uff09\uff0c\u6e1b\u5c11\u6bcf\u6708\u7684\u50b5\u52d9\u652f\u4ed8\u7e3d\u984d\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u65b9\u6cd5 2\uff1a\u589e\u52a0\u6536\u5165\u4f86\u6e90<\/h3>\n\n\n\n<p>\u8003\u616e\u517c\u8077\u5de5\u4f5c\u6216\u767c\u5c55\u6295\u8cc7\u6536\u76ca\uff0c\u589e\u52a0\u6708\u6536\u5165\u4f86\u512a\u5316\u8ca0\u50b5\u6bd4\u4f8b\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u65b9\u6cd5 3\uff1a\u907f\u514d\u65b0\u589e\u50b5\u52d9<\/h3>\n\n\n\n<p>\u5728\u8cb8\u6b3e\u7533\u8acb\u671f\u9593\uff0c\u907f\u514d\u7533\u8acb\u65b0\u4fe1\u7528\u5361\u6216\u9032\u4e00\u6b65\u5206\u671f\u4ed8\u6b3e\uff0c\u4fdd\u6301\u73fe\u6709\u8ca0\u50b5\u7a69\u5b9a\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u65b9\u6cd5 4\uff1a\u91cd\u65b0\u8ac7\u5224\u73fe\u6709\u8cb8\u6b3e<\/h3>\n\n\n\n<p>\u8207\u8cb8\u6b3e\u6a5f\u69cb\u5354\u5546\u66f4\u4f4e\u7684\u5229\u7387\u6216\u66f4\u9577\u7684\u9084\u6b3e\u671f\u9650\uff0c\u4ee5\u6e1b\u5c11\u6bcf\u6708\u652f\u4ed8\u91d1\u984d\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u7e3d\u7d50<\/h2>\n\n\n\n<p>\u8ca0\u50b5\u6bd4\u7387\u662f\u5f71\u97ff\u8cb8\u6b3e\u7533\u8acb\u6210\u529f\u7387\u7684\u95dc\u9375\u56e0\u7d20\u4e4b\u4e00\u3002\u901a\u904e\u4e86\u89e3\u5982\u4f55\u8a08\u7b97\u4e26\u7a4d\u6975\u7ba1\u7406\u8ca0\u50b5\u6bd4\u4f8b\uff0c\u60a8\u53ef\u4ee5\u63d0\u5347\u81ea\u5df1\u7684\u8ca1\u52d9\u5065\u5eb7\u72c0\u6cc1\uff0c\u4e26\u5728\u8cb8\u6b3e\u7533\u8acb\u4e2d\u4f54\u64da\u6709\u5229\u5730\u4f4d\u3002\u7576\u8ca0\u50b5\u6bd4\u4f8b\u4f4e\u65bc 30% \u6642\uff0c\u60a8\u7684\u8cb8\u6b3e\u7533\u8acb\u5c07\u66f4\u5bb9\u6613\u7372\u5f97\u6279\u51c6\uff0c\u4e26\u4e14\u6709\u53ef\u80fd\u7372\u5f97\u66f4\u512a\u60e0\u7684\u689d\u4ef6\u3002<\/p>\n\n\n\n<p>\u5982\u679c\u60a8\u5c0d\u8cb8\u6b3e\u7533\u8acb\u6216\u8ca1\u52d9\u7ba1\u7406\u6709\u66f4\u591a\u7591\u554f\uff0c\u6b61\u8fce\u95b1\u8b80\u6211\u5011\u7684\u76f8\u95dc\u6587\u7ae0\uff1a<a href=\"https:\/\/97888.com.tw\/posts\/?p=124\">\u8cb8\u6b3e\u689d\u4ef6\u8207\u4fe1\u7528\u8a55\u5206<\/a>\u00a0\u548c\u00a0<a href=\"https:\/\/97888.com.tw\/posts\/?p=114\">\u8cb8\u6b3e\u5be9\u6838\u5168\u653b\u7565<\/a>\uff0c\u5e6b\u52a9\u60a8\u8f15\u9b06\u638c\u63e1\u8cb8\u6b3e\u6d41\u7a0b\uff01<\/p>\n\n\n\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped wp-block-gallery-1 is-layout-flex wp-block-gallery-is-layout-flex\">\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"898\" height=\"896\" data-id=\"127\" src=\"https:\/\/97888.com.tw\/posts\/wp-content\/uploads\/2025\/02\/S__8970620-1.jpg\" alt=\"\" class=\"wp-image-127\"\/><\/figure>\n<\/figure>\n","protected":false},"excerpt":{"rendered":"<p>\u8ca0\u50b5\u6bd4\u7387\u662f\u8861\u91cf\u8ca1\u52d9\u5065\u5eb7\u7684\u91cd\u8981\u6307\u6a19\uff0c\u5c0d\u65bc\u8cb8\u6b3e\u7533\u8acb\u8005\u800c\u8a00\uff0c\u4e86\u89e3\u8ca0\u50b5\u6bd4\u7387\u7684\u8a08\u7b97\u65b9\u5f0f\u53ca\u5176\u5f71\u97ff\uff0c\u80fd\u5e6b\u52a9\u60a8\u66f4\u597d\u5730\u898f\u5283\u8ca1\u52d9\u4e26 [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":56,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-126","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"_links":{"self":[{"href":"https:\/\/97888.com.tw\/posts\/index.php?rest_route=\/wp\/v2\/posts\/126"}],"collection":[{"href":"https:\/\/97888.com.tw\/posts\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/97888.com.tw\/posts\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/97888.com.tw\/posts\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/97888.com.tw\/posts\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=126"}],"version-history":[{"count":1,"href":"https:\/\/97888.com.tw\/posts\/index.php?rest_route=\/wp\/v2\/posts\/126\/revisions"}],"predecessor-version":[{"id":128,"href":"https:\/\/97888.com.tw\/posts\/index.php?rest_route=\/wp\/v2\/posts\/126\/revisions\/128"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/97888.com.tw\/posts\/index.php?rest_route=\/wp\/v2\/media\/56"}],"wp:attachment":[{"href":"https:\/\/97888.com.tw\/posts\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=126"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/97888.com.tw\/posts\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=126"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/97888.com.tw\/posts\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=126"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}