\u5982\u4f55\u624d\u7b97\u5f7b\u5e95\u6ce8\u9500\u4fe1\u7528\u5361?<\/p>\n
1\u3001\u4e1a\u5185\u4eba\u58eb\u8868\u793a\uff0c\u6ce8\u9500\u524d\u4e00\u822c\u90fd\u9700\u8981\u770b\u770b\u4fe1\u7528\u5361\u5185\u662f\u5426\u8fd8\u6709\u6b20\u6b3e\uff0c\u53ef\u6709\u4e9b\u60c5\u51b5\u662f\u770b\u4e0d\u5230\u8d26\u5355\u7684\uff0c\u5f88\u5bb9\u6613\u8ba9\u4eba\u4eec\u8bef\u4ee5\u4e3a\u5df2\u7ecf\u8fd8\u6e05\u6b20\u6b3e\u3002<\/p>\n
2\u3001\u8fd8\u6709\u4e00\u79cd\u53ef\u80fd\u5c31\u662f\u7ba1\u7406\u8d39\uff0c\u4f8b\u5982\u77ed\u4fe1\u901a\u77e5\u8d39\uff0c\u6709\u4e9b\u94f6\u884c\u4e0d\u662f\u63d0\u524d\u6263\u53d6\uff0c\u800c\u662f\u6700\u540e\u6263\u53d6\uff0c\u5728\u4e2d\u95f4\u65f6\u95f4\u4fe1\u7528\u5361\u8d26\u5355\u4e2d\u5e76\u4e0d\u4f1a\u4f53\u73b0\u51fa\u6765\u3002<\/p>\n
\u770b\u4f3c\u7b80\u5355\u7684\u4fe1\u7528\u5361\u6ce8\u9500\uff0c\u7adf\u7136\u4e5f\u4f1a\u6709\u5982\u6b64\u591a\u7684\u201c\u79d8\u5bc6\u201d\uff0c\u90a3\u4e48\u5230\u5e95\u8be5\u5982\u4f55\u6b63\u786e\u6ce8\u9500\u4fe1\u7528\u5361\u5462?<\/p>\n
\u4e2d\u56fd\u94f6\u884c\u6c5f\u82cf\u7701\u5206\u884c\u4fe1\u7528\u5361\u4e2d\u5fc3\u5f6d\u7ecf\u7406\u4ecb\u7ecd\uff0c\u6ce8\u9500\u4fe1\u7528\u5361\u524d\uff0c\u9996\u5148\u786e\u8ba4\u5e74\u8d39\u51cf\u514d\u60c5\u51b5\uff0c\u6700\u597d\u80fd\u5b58\u5165\u4e00\u90e8\u5206\u94b1\uff0c10\u5143\u300120\u5143\u5373\u53ef\uff0c\u4ee5\u62b5\u6d88\u53ef\u80fd\u53d1\u751f\u7684\u8d39\u7528\u3002\u5728\u6ce8\u9500\u540e45\u5929\uff0c\u62e8\u6253\u94f6\u884c\u4fe1\u7528\u5361\u5ba2\u670d\u7535\u8bdd\uff0c\u786e\u8ba4\u662f\u5426\u6ce8\u9500\u6210\u529f\uff0c\u4ee5\u514d\u56e0\u4e3a\u7279\u6b8a\u539f\u56e0\u6ca1\u6709\u6ce8\u9500\u6210\u529f\uff0c\u800c\u7ed9\u81ea\u5df1\u7559\u4e0b\u4e0d\u826f\u8bb0\u5f55\u3002\u201c\u8fd8\u6709\u4e00\u70b9\u9700\u8981\u7279\u522b\u63d0\u9192\u7684\u662f\uff0c\u6ce8\u9500\u7684\u4fe1\u7528\u5361\u4e0d\u8981\u968f\u5730\u4e22\u5f03\uff0c\u8981\u526a\u788e\u78c1\u6761\u540e\u518d\u4e22\u5f03\uff0c\u4ee5\u514d\u88ab\u4e0d\u6cd5\u5206\u5b50\u76d7\u5237\u3002\u201d<\/p>\n
\u6b64\u5916\u5f6d\u7ecf\u7406\u8fd8\u63d0\u9192\uff0c\u4e00\u90e8\u5206\u5361\u53cb\u6709\u4e86\u4fe1\u7528\u5361\u903e\u671f\uff0c\u8bef\u4ee5\u4e3a\u5c06\u4fe1\u7528\u5361\u6ce8\u9500\u5c31\u80fd\u62b9\u53bb\u4e0d\u826f\u4fe1\u7528\u8bb0\u5f55\uff0c\u5b9e\u5219\u5e76\u975e\u5982\u6b64\u3002\u201c\u6b64\u65f6\u5982\u679c\u6ce8\u9500\u4e86\u4fe1\u7528\u5361\uff0c\u4e0d\u826f\u8bb0\u5f55\u5c31\u4f1a\u6c38\u8fdc\u5b58\u5728\u3002\u6b63\u786e\u7684\u505a\u6cd5\u662f\u7ee7\u7eed\u4f7f\u7528\u8fd9\u5f20\u5361\uff0c\u5176\u95f4\u4e0d\u8981\u6709\u903e\u671f\uff0c24\u4e2a\u6708\u540e\u7cfb\u7edf\u5c31\u4f1a\u81ea\u52a8\u8986\u76d6\u4e4b\u524d\u903e\u671f\u7684\u8bb0\u5f55\u3002\u201d<\/p>\n
\u636e\u5de5\u4f5c\u4eba\u5458\u4ecb\u7ecd\uff0c\u63a5\u5230\u4fe1\u7528\u5361\u9500\u5361\u8bf7\u6c42\u540e\uff0c\u94f6\u884c\u9700\u6838\u5bf9\u4fe1\u7528\u5361\u662f\u5426\u5b58\u5728\u503a\u52a1\u7b49\u95ee\u9898\uff0c\u9500\u5361\u65f6\u5982\u6ca1\u8fbe\u5230\u4e00\u4e2a\u5b8c\u6574\u8d26\u5355\u5468\u671f\uff0c\u5373\u4fbf\u662f\u4ee5\u524d\u7684\u6b20\u6b3e\u7ed3\u6e05\u4e86\uff0c\u4e5f\u4e0d\u80fd\u4fdd\u8bc1\u4e0b\u4e2a\u8d26\u5355\u671f\u6ca1\u6709\u6b20\u6b3e\uff0c\u94f6\u884c\u9700\u8981\u65f6\u95f4\u786e\u8ba4\u6b20\u6b3e\u60c5\u51b5\u3002<\/p>\n
\u5927\u90e8\u5206\u94f6\u884c\u7684\u4e00\u4e2a\u9500\u5361\u5468\u671f\u662f1\u4e2a\u534a\u6708\u5de6\u53f3\u3002\u5176\u95f4\uff0c\u5c31\u7b97\u4fe1\u7528\u5361\u6ce8\u9500\u4e86\uff0c\u5361\u7247\u78c1\u6761\u4e0a\u7684\u4fe1\u606f\u8fd8\u5728\uff0c\u5982\u679c\u88ab\u4e0d\u6cd5\u5206\u5b50\u5229\u7528\uff0c\u518d\u5411\u94f6\u884c\u63d0\u4ea4\u65b0\u4fe1\u7528\u5361\u7684\u7533\u8bf7\uff0c\u5c31\u4f1a\u4ea7\u751f\u88ab\u76d7\u5237\u7684\u5371\u9669\u3002\u56e0\u6b64\uff0c\u9500\u5361\u540e\u6700\u597d\u518d\u5411\u94f6\u884c\u7533\u8bf7\u9500\u6237\uff0c\u5e76\u5c06\u539f\u5361\u505a\u526a\u5361\u5904\u7406\u3002<\/p>\n
\u62d2\u7edd5\u5927\u6709\u635f\u4fe1\u8a89\u7684\u4e60\u60ef<\/strong><\/p>\n \u3000\u574f\u4e60\u60ef\u4e00\uff1a\u5ef6\u8fdf\u4ed8\u5e10\u5355<\/strong><\/p>\n \u6309\u65f6\u4ed8\u6b3e\u771f\u7684\u5f88\u91cd\u8981\uff0c\u56e0\u4e3a\u4ed8\u6b3e\u5386\u53f2\u5360\u603b\u4fe1\u7528\u5206\u6570\u768435%\u3002\u5982\u679c\u4f60\u5df2\u6709\u5f88\u597d\u7684\u4fe1\u7528\u8bc4\u5206\uff0c\u90a3\u4e48\u4e00\u6b21\u5ef6\u8fdf\u652f\u4ed8\u4fe1\u7528\u5361\u6216\u5176\u4ed6\u4fe1\u8d37\uff0c\u5c06\u4f7f\u4f60\u5931\u53bb110\u5206\uff0c\u800c\u4e00\u4e2a\u6709\u666e\u901a\u4fe1\u7528\u5206\u6570\u7684\u4eba\u5219\u4f1a\u635f\u593180\u5206\u3002\u6240\u4ee5\u6539\u8fdb\u4fe1\u7528\u5206\u6570\u7684\u6700\u597d\u529e\u6cd5\u5c31\u662f\u6309\u65f6\u4ed8\u6b3e\u3002<\/p>\n \u574f\u4e60\u60ef\u4e8c\uff1a\u8d37\u6b3e\u4f59\u989d\u8fc7\u5927<\/strong><\/p>\n \u4f60\u7684\u4fe1\u7528\u989d\u5ea6\u5229\u7528\u7387(Debt Utilization Ratio)\u5360\u4e86\u5c06\u8fd130%\u7684\u6743\u91cd\u3002\u6240\u4ee5\u8d37\u6b3e\u4f59\u989d\u8fc7\u5927\u4e0d\u4ec5\u9700\u8981\u4f60\u652f\u4ed8\u5229\u606f\uff0c\u800c\u4e14\u8fd8\u6467\u6bc1\u4f60\u7684\u4fe1\u7528\u7eaa\u5f55\u3002\u63d0\u9ad8\u4f60\u7684\u4fe1\u7528\u989d\u5ea6\u6700\u597d\u7684\u529e\u6cd5\u5c31\u662f\u6309\u65f6\u4ed8\u6b3e\uff0c\u5e76\u4e14\u5c3d\u53ef\u80fd\u4ed8\u591a\u4e00\u4e9b\uff0c\u4fdd\u6301\u4f4e\u6c34\u51c6\u7684\u8d37\u6b3e\u4f59\u989d\uff0c\u8fd9\u6837\u4f60\u7684\u4fe1\u7528\u8bc4\u5206\u5c31\u80fd\u63d0\u9ad8\u3002<\/p>\n \u574f\u4e60\u60ef\u4e09\uff1a\u53d6\u6d88\u4fe1\u7528\u5361<\/strong><\/p>\n \u5f53\u4fe1\u7528\u5361\u516c\u53f8\u63d0\u9ad8\u5229\u7387\u3001\u5e76\u4e14\u589e\u52a0\u5446\u6ede\u8d39(Inactivity Fees)\u7528\u6765\u5f25\u8865\u5176\u6536\u5165\u65f6\uff0c\u4fe1\u7528\u5361\u516c\u53f8\u7684\u672c\u610f\u662f\u8981\u53d6\u6d88\u4f60\u7684\u5e10\u6237\u3002\u4f46\u53d6\u6d88\u5e10\u6237\u5c06\u52a0\u91cd\u4f60\u4fe1\u7528\u7684\u4f7f\u7528\u7387\u3002\u4f8b\u5982\uff0c\u5047\u8bbe\u4f60\u6709\u4e24\u5f20\u4fe1\u7528\u5361\uff0c\u6bcf\u5f20\u4fe1\u7528\u989d\u5ea6\u662f1000\u5143\uff0c\u6b20\u8d26\u603b\u989d\u662f400\u5143\u3002\u53d6\u6d88\u4e00\u4e2a\u9a6c\u4e0a\u4f7f\u5f97\u4f60\u7684\u4f7f\u7528\u7387\u589e\u52a0\u4e00\u500d\uff0c\u4ece20%\u589e\u52a0\u523040%\u3002<\/p>\n \u574f\u4e60\u60ef\u56db\uff1a\u9891\u5f00\u65b0\u4fe1\u7528\u5361<\/strong><\/p>\n \u5f53\u4f60\u5f00\u4e00\u4e2a\u65b0\u5361\uff0c\u4f60\u7684\u4fe1\u7528\u5206\u6570\u4f1a\u964d\u4f4e\u4e00\u4e9b\uff0c\u56e0\u4e3a\u65b0\u5f00\u5361\u540e\u4f60\u7684\u98ce\u9669\u9a6c\u4e0a\u589e\u52a0\u4e86\u3002\u53e6\u5916\u4e3a\u4e86\u5f00\u4e00\u4e2a\u65b0\u5e10\u6237\uff0c\u4fe1\u7528\u5361\u516c\u53f8\u8981\u67e5\u4f60\u7684\u4fe1\u7528\u5206\u6570\uff0c\u8fd9\u79cd\u67e5\u8be2\u4e00\u6b21\u5c31\u8981\u6263\u53bb\u4f605\u5206\uff0c\u6240\u4ee5\u5f00\u65b0\u5361\u4e00\u822c\u8981\u6263\u53bb5\u5206\u523015\u5206\u3002\u4f46\u662f\u8fd9\u4e00\u6263\u5206\u53ea\u6301\u7eed6\u4e2a\u6708\u65f6\u95f4\uff0c\u6240\u4ee5\u5982\u679c\u4f60\u7684\u8d22\u52a1\u7a33\u5b9a\u7684\u8bdd\uff0c\u4f60\u635f\u5931\u8fd9\u4e9b\u5206\u6570\u8fd8\u662f\u503c\u5f97\u7684\u3002<\/p>\n \u574f\u4e60\u60ef\u4e94\uff1a\u62d2\u4ed8\u8d37\u6b3e<\/strong><\/p>\n \u62d2\u4ed8\u8d37\u6b3e(Defaulting)\u5bf9\u4f60\u7684\u4fe1\u7528\u7eaa\u5f55\u7834\u574f\u6700\u5927\u3002\u636e\u4e00\u5bb6\u8d37\u6b3e\u89e3\u51b3\u65b9\u6848\u8d44\u8baf\u516c\u53f8\u7684\u521b\u529e\u4eba\u79f0\uff0c\u5728\u7ecf\u6d4e\u4e0b\u6ed1\u7684\u65f6\u5019\uff0c\u8d8a\u6765\u8d8a\u591a\u4eba\u7684\u623f\u5c4b\u51fa\u73b0\u6b62\u8d4e(Foreclosure)\u3001\u4fe1\u7528\u5361\u6487\u8d26\uff0c\u6216\u8005\u5ba3\u544a\u7834\u4ea7\uff0c\u7834\u574f\u81ea\u5df1\u7684\u4fe1\u7528\u7eaa\u5f55\u3002\u4f8b\u5982\uff0c\u653e\u5f03\u623f\u5c4b\u8d4e\u56de\u6743\u6263200\u5206\uff0c \u4e00\u6b21\u77ed\u5356\u5c4b(Short Sale)\u53ef\u80fd\u6263\u53bb80\u5206\u621690\u5206\uff0c\u5ba3\u544a\u7834\u4ea7\u6700\u9ad8\u6263\u53bb250\u5206\u3002<\/p>\n","protected":false},"excerpt":{"rendered":"\u5982\u4f55\u624d\u7b97\u5f7b\u5e95\u6ce8\u9500\u4fe1\u7528\u5361? 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