{"id":453087,"date":"2025-08-22T18:01:38","date_gmt":"2025-08-23T01:01:38","guid":{"rendered":"https:\/\/icitynews.com\/?p=453087"},"modified":"2025-08-22T18:01:38","modified_gmt":"2025-08-23T01:01:38","slug":"%e4%bb%8e%e5%88%b7%e5%8d%a1%e7%8b%82%e6%ac%a2%e5%88%b0%e7%90%86%e8%b4%a2%e6%b8%85%e9%86%92%ef%bc%9a%e7%be%8e%e5%9b%bd%e6%b6%88%e8%b4%b9%e6%bd%ae%e9%80%80%e5%8e%bb%e5%b8%a6%e6%9d%a5","status":"publish","type":"post","link":"https:\/\/icitynews.com\/?p=453087","title":{"rendered":"\u4ece\u201c\u5237\u5361\u72c2\u6b22\u201d\u5230\u7406\u8d22\u6e05\u9192\uff1a\u7f8e\u56fd\u6d88\u8d39\u6f6e\u9000\u53bb\u5e26\u6765\u7684\u8d22\u5bcc\u542f\u793a"},"content":{"rendered":"<p>\u6839\u636e\u300a\u534e\u5c14\u8857\u65e5\u62a5\u300b\u62a5\u9053\uff0c\u5728\u7ecf\u5386\u4e86\u75ab\u60c5\u65f6\u671f\u4fe1\u7528\u5361\u652f\u51fa\u7684\u75af\u72c2\u589e\u957f\u4e4b\u540e\uff0c\u7f8e\u56fd\u6d88\u8d39\u8005\u5982\u4eca\u6b63\u9010\u6e10\u6536\u655b\u3002\u8fc7\u53bb\u4e09\u5e74\u91cc\uff0c\u7f8e\u56fd\u4fe1\u7528\u5361\u4f59\u989d\u9996\u6b21\u7a81\u7834 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6.57%\uff0c\u800c\u4fe1\u7528\u5361\u4ec5\u589e\u957f 5.65%\u3002<\/p>\n<p>\u8fd9\u79cd\u53d8\u5316\u610f\u5473\u7740\u6d88\u8d39\u8005\u7684\u5fc3\u6001\u6b63\u5728\u4ece\u201c\u8d85\u524d\u6d88\u8d39\u201d\u8f6c\u5411\u201c\u7406\u6027\u652f\u51fa\u201d\u3002TransUnion\uff08\u73af\u8054\uff09\u7814\u7a76\u4e5f\u8868\u660e\uff0c\u4fe1\u7528\u5361\u4f59\u989d\u589e\u957f\u653e\u7f13\u3001\u62d6\u6b20\u7387\u4e0b\u964d\uff0c\u663e\u793a\u7f8e\u56fd\u4eba\u6b63\u5728\u79ef\u6781\u7ba1\u7406\u81ea\u5df1\u7684\u503a\u52a1\u3002<strong><br \/>\n<\/strong><strong>\u8fc7\u5ea6\u6d88\u8d39\u7684\u201c\u540e\u9057\u75c7\u201d<br \/>\n<\/strong>\u75ab\u60c5\u65f6\u671f\u7684\u8d22\u653f\u523a\u6fc0\u548c\u4f4e\u5229\u7387\uff0c\u8ba9\u8bb8\u591a\u4eba\u4e60\u60ef\u4e86\u4f9d\u9760\u4fe1\u7528\u5361\u6d88\u8d39\u3002\u6bd4\u5982\u62a5\u9053\u4e2d\u7684\u4e00\u4f4d 27 \u5c81\u7684\u9500\u552e\u4eba\u5458\uff0c\u5728\u77ed\u77ed\u4e09\u5e74\u95f4\u7d2f\u79ef\u4e86 7.2 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\u7684\u4fe1\u7528\u5361\u5e74\u5229\u7387\u8ba9\u8fd9\u79cd\u8d1f\u503a\u6a21\u5f0f\u96be\u4ee5\u4e3a\u7ee7\u3002\u4e3a\u4e86\u5bfb\u6c42\u5598\u606f\uff0c\u4e0d\u5c11\u5bb6\u5ead\u9009\u62e9\uff1a<\/p>\n<p>\u7533\u8bf7\u4e2a\u4eba\u8d37\u6b3e\u6765\u6574\u5408\u4fe1\u7528\u5361\u503a\u52a1\uff1b<\/p>\n<p>\u4f7f\u7528\u623f\u5c4b\u51c0\u503c\u8d37\u6b3e\uff08HELOC\uff09\u5957\u73b0\u507f\u503a\uff1b<\/p>\n<p>\u6682\u505c\u975e\u5fc5\u9700\u6d88\u8d39\uff0c\u91cd\u65b0\u79ef\u7d2f\u50a8\u84c4\u3002<\/p>\n<p>\u73af\u8054\u7814\u7a76\u663e\u793a\uff0c\u4eca\u5e74\u7b2c\u4e00\u5b63\u5ea6\uff0c\u7f8e\u56fd\u4e2a\u4eba\u8d37\u6b3e\u4f59\u989d\u8fbe\u5230 2570 \u4ebf\u7f8e\u5143\uff0c\u540c\u6bd4\u589e\u957f 18%\u3002\u6574\u5408\u503a\u52a1\u7684\u786e\u80fd\u77ed\u671f\u51cf\u8f7b\u8fd8\u6b3e\u538b\u529b\uff0c\u4f46<strong>\u5982\u679c\u6d88\u8d39\u4e60\u60ef\u4e0d\u6539\u53d8\uff0c18 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60.9\u3002<\/p>\n<p>\u4fe1\u5fc3\u8d70\u5f31\u7684\u80cc\u540e\uff0c\u662f\u591a\u91cd\u7ecf\u6d4e\u538b\u529b\uff1a<\/p>\n<ul>\n<li>\u5b66\u751f\u8d37\u6b3e\u91cd\u542f\u507f\u8fd8\uff1b<\/li>\n<li>\u4fe1\u7528\u5361\u5229\u7387\u9ad8\u4f01\uff1b<\/li>\n<li>\u5c31\u4e1a\u5e02\u573a\u9010\u6e10\u964d\u6e29\u3002<\/li>\n<\/ul>\n<p>\u5728\u8fd9\u79cd\u73af\u5883\u4e0b\uff0c\u4fe1\u7528\u5361\u516c\u53f8\u4e5f\u5f00\u59cb\u6536\u7d27\u53d1\u5361\u7b56\u7565\uff0c\u66f4\u504f\u5411\u9ad8\u6536\u5165\u5ba2\u6237\u3002\u4e2d\u4f4e\u6536\u5165\u5bb6\u5ead\u66f4\u503e\u5411\u4e8e\u4f7f\u7528\u501f\u8bb0\u5361\u548c\u73b0\u91d1\uff0c\u6d88\u8d39\u610f\u613f\u8d8b\u5f31\u3002<\/p>\n<p><strong>\u6d88\u8d39\u7ed3\u6784\u7684\u5206\u5316\uff1a\u9ad8\u6536\u5165\u7fa4\u4f53\u5728\u201c\u6258\u5e95\u201d<br \/>\n<\/strong>\u867d\u7136\u6574\u4f53\u652f\u51fa\u589e\u901f\u653e\u7f13\uff0c\u4f46\u6570\u636e\u663e\u793a\uff0c<strong>\u9ad8\u6536\u5165\u7fa4\u4f53\u7684\u6d88\u8d39\u4ecd\u5728\u652f\u6491\u7f8e\u56fd\u7ecf\u6d4e\u3002<\/strong>2025 \u5e74 7 \u6708\uff0c\u5e74\u6536\u5165 10 \u4e07\u7f8e\u5143\u4ee5\u4e0a\u7684\u5bb6\u5ead\u6d88\u8d39\u652f\u51fa\u73af\u6bd4\u589e\u957f 4.6%\uff1b\u800c\u4e2d\u7b49\u6536\u5165\u5bb6\u5ead\u5219\u5728\u7f29\u51cf\u5f00\u652f\u3002<\/p>\n<p>\u6839\u636e\u8def\u900f\u793e\u6570\u636e\uff0c<strong>\u7f8e\u56fd\u6700\u5bcc\u88d5\u7684 10% \u5bb6\u5ead\u5982\u4eca\u8d21\u732e\u4e86 50% \u7684\u6d88\u8d39\u652f\u51fa\uff0c<\/strong>\u800c 30 \u5e74\u524d\u8fd9\u4e00\u6bd4\u4f8b\u4ec5\u4e3a 36%\u3002\u6362\u53e5\u8bdd\u8bf4\uff0c\u7f8e\u56fd\u7ecf\u6d4e\u6b63\u5728\u4f9d\u8d56\u5c11\u6570\u5bcc\u88d5\u5bb6\u5ead\u7684\u6d88\u8d39\u3002\u5982\u679c\u5e02\u573a\u6216\u7ecf\u6d4e\u51fa\u73b0\u8f83\u5927\u6ce2\u52a8\uff0c\u8fd9\u90e8\u5206\u4eba\u7684\u6d88\u8d39\u51cf\u5c11\uff0c\u6574\u4f53\u7ecf\u6d4e\u53ef\u80fd\u53d7\u5230\u4e25\u91cd\u62d6\u7d2f\u3002<\/p>\n<p><strong>\u73b0\u5b9e\u542f\u793a\uff1a\u7406\u8d22\u6e05\u9192\u671f\u5df2\u5230\uff0c\u7531\u201c\u8d1f\u503a\u601d\u7ef4\u201d\u5230\u201c\u8d44\u4ea7\u601d\u7ef4\u201d\u7684\u8f6c\u53d8\u5c24\u4e3a\u91cd\u8981<\/strong><\/p>\n<p>\u4fe1\u7528\u5361\u6d88\u8d39\u6f6e\u7684\u9000\u53bb\uff0c\u63d0\u9192\u6211\u4eec\u9ad8\u5229\u606f\u503a\u52a1\u4f1a\u541e\u566c\u672a\u6765\u73b0\u91d1\u6d41\uff0c\u8ba9\u5bb6\u5ead\u9677\u5165\u8d22\u52a1\u56f0\u5883\uff0c<\/p>\n<p>\u5408\u7406\u89c4\u5212\u8d44\u4ea7\u624d\u80fd\u771f\u6b63\u62b5\u5fa1\u4e0d\u786e\u5b9a\u6027\u3002<\/p>\n<p>\u8fd9\u65f6\uff0c\u4fdd\u9669\u548c\u5e74\u91d1\u7c7b\u4ea7\u54c1\u5c31\u51f8\u663e\u4e86\u4ef7\u503c\uff1a<\/p>\n<ol>\n<li><strong>\u5f3a\u5236\u50a8\u84c4\uff1a<\/strong>\u4e0e\u5176\u4f9d\u9760\u4fe1\u7528\u5361\u201c\u5148\u82b1\u540e\u8fd8\u201d\uff0c\u4e0d\u5982\u901a\u8fc7\u5e74\u91d1\u6216\u5bff\u9669\u4ea7\u54c1\u5efa\u7acb\u5f3a\u5236\u50a8\u84c4\u673a\u5236\uff0c\u5f62\u6210\u7a33\u5b9a\u7684\u672a\u6765\u73b0\u91d1\u6d41\uff1b<br \/>\n<img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-453089\" src=\"https:\/\/icitynews.com.cn\/wp-content\/uploads\/2025\/08\/2-1.jpg\" alt=\"\" width=\"782\" height=\"753\" srcset=\"https:\/\/icitynews.com.cn\/wp-content\/uploads\/2025\/08\/2-1.jpg 782w, https:\/\/icitynews.com.cn\/wp-content\/uploads\/2025\/08\/2-1-768x740.jpg 768w\" sizes=\"auto, (max-width: 782px) 100vw, 782px\" \/><br \/>\n\u4eba\u5bff\u4fdd\u9669\u8d22\u5bcc\u89c4\u5212\u8bd5\u7b97\u8868<br \/>\n<img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-453090\" src=\"https:\/\/icitynews.com.cn\/wp-content\/uploads\/2025\/08\/\u56fe\u72473-1.jpg\" alt=\"\" width=\"623\" height=\"313\" \/><br 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