{"id":305633,"date":"2021-08-18T19:00:45","date_gmt":"2021-08-18T11:00:45","guid":{"rendered":"https:\/\/articles.ricacorp.com\/?p=305633"},"modified":"2021-08-18T19:04:36","modified_gmt":"2021-08-18T11:04:36","slug":"%e3%80%8abno%e7%a7%bb%e6%b0%91%e3%80%8b%e8%8b%b1%e5%9c%8b%e6%a8%93%e5%81%9a%e6%8c%89%e6%8f%ad%e3%80%8c%e5%bf%85%e7%ad%94%e9%a1%8c%e3%80%8d%ef%bc%81%e4%b8%ad%e4%bc%8f%e4%bd%8d%e4%bd%a0%e8%a6%81","status":"publish","type":"post","link":"https:\/\/www.ricacorp.com.cn\/articles\/2021\/08\/18\/%e3%80%8abno%e7%a7%bb%e6%b0%91%e3%80%8b%e8%8b%b1%e5%9c%8b%e6%a8%93%e5%81%9a%e6%8c%89%e6%8f%ad%e3%80%8c%e5%bf%85%e7%ad%94%e9%a1%8c%e3%80%8d%ef%bc%81%e4%b8%ad%e4%bc%8f%e4%bd%8d%e4%bd%a0%e8%a6%81\/","title":{"rendered":"\u300aBNO\u79fb\u6c11\u300b\u82f1\u570b\u6a13\u505a\u6309\u63ed\u300c\u5fc5\u7b54\u984c\u300d\uff01\u4e2d\u4f0f\u4f4d\u4f60\u8981\u77e5\uff01"},"content":{"rendered":"<div id=\"attachment_305634\" style=\"width: 1034px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" aria-describedby=\"caption-attachment-305634\" class=\"wp-image-305634 size-large\" src=\"\/articles\/wp-content\/uploads\/2021\/08\/iStock-93439081-1024x619.jpg\" alt width=\"1024\" height=\"619\" srcset=\"\/articles\/wp-content\/uploads\/2021\/08\/iStock-93439081-1024x619.jpg 1024w, \/articles\/wp-content\/uploads\/2021\/08\/iStock-93439081-300x181.jpg 300w, \/articles\/wp-content\/uploads\/2021\/08\/iStock-93439081-768x464.jpg 768w, \/articles\/wp-content\/uploads\/2021\/08\/iStock-93439081-1536x928.jpg 1536w, \/articles\/wp-content\/uploads\/2021\/08\/iStock-93439081-2048x1238.jpg 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\"><p id=\"caption-attachment-305634\" class=\"wp-caption-text\">\u7f6e\u696d\u82f1\u570b\u6a13\u6210\u70ba\u8fd1\u671f\u71b1\u9580\u8a71\u984c<\/p><\/div>\n<p>\u81ea\u5f9e\u300cBNO5+1\u300d\u79fb\u6c11\u82f1\u570b\u8a08\u5283\u63a5\u53d7\u7533\u8acb\uff0c\u9999\u6e2f\u4eba\u8cb7\u82f1\u570b\u6a13\u79fb\u5c45\u7576\u5730\u6210\u70ba\u8fd1\u671f\u71b1\u9580\u8a71\u984c\u3002\u8abf\u67e5\u6578\u64da\u986f\u793a\uff0c\u81ea\u5f9e\u8a08\u5283\u5c55\u958b\uff0c\u9999\u6e2f\u4eba\u8cb7\u82f1\u570b\u6a13\u7684\u500b\u6848\u6fc0\u589e144%\uff0c\u8cb7\u82f1\u570b\u6a13\u5df2\u4e0d\u518d\u53ea\u662f\u6295\u8cc7\u65b9\u5f0f\u3002\u4e0d\u904e\uff0c\u7f6e\u696d\u59cb\u7d42\u662f\u4eba\u751f\u5927\u4e8b\uff0c\u7d55\u4e0d\u80fd\u300c\u662f\u662f\u4f46\u4f46\u300d\uff0c\u5c24\u5176\u505a\u6309\u63ed\u66f4\u662f\u6975\u91cd\u8981\u7684\u4e00\u74b0\uff0c\u9ede\u90fd\u8981\u554f\u5b9a\u529f\u8ab2\u514d\u300c\u4e2d\u4f0f\u300d\uff01<\/p>\n<h2><strong><u>1.<\/u><\/strong><strong><u>\u8cb7<a href=\"https:\/\/www.overseas.ricacorp.com\/seminar?%E5%9F%8E%E5%B8%82=%E8%8B%B1%E5%9C%8B%F0%9F%87%AC%F0%9F%87%A7\">\u82f1\u570b\u6a13<\/a>\u505a\u6309\u63ed\uff0c\u8ddf\u5728\u6e2f\u7f6e\u696d\u6709\u751a\u9ebc\u5206\u5225\uff1f<\/u><\/strong><\/h2>\n<p>\u4e0d\u8ad6\u662f\u82f1\u570b\u4e00\u624b\u6a13\u6216\u4e8c\u624b\u6a13\u7684\u7533\u8acb\u6309\u63ed\u6d41\u7a0b\uff0c\u90fd\u8207\u9999\u6e2f\u6709\u5206\u5225\uff0c\u8cb7\u5bb6\u6700\u597d\u9810\u5148\u4e86\u89e3\u3002<\/p>\n<h3><strong>\u4e00\u624b\u65b0\u76e4\u9810\u7559\u55ae\u4f4d\u5373\u53ef<\/strong><strong>\u7533\u8acb<\/strong><\/h3>\n<p>\u8cb7\u82f1\u570b\u4e00\u624b\u6a13\uff0c\u7576\u8cb7\u5bb6\u5728\u5c55\u92b7\u4e2d\u63c0\u5230\u5fc3\u5100\u7684\u55ae\u4f4d\uff0c\u5c31\u53ef\u4ee5\u8207\u92b7\u552e\u4ee3\u7406\u7c3d\u8a02\u300c\u9810\u7559\u8868\u683c\u300d\uff08Reservation form\uff09\u9810\u7559\u55ae\u4f4d\uff0c\u4e26\u540c\u6642\u652f\u4ed8\u8a02\u91d1\uff08\u53c8\u7a31\u8aa0\u610f\u91d1\uff09\uff1b\u4e00\u822c\u800c\u8a00\uff0c\u91d1\u984d\u4ecb\u4e4e2,000\u82f1\u938a\u81f310,000\u82f1\u938a\u4e0d\u7b49\u3002\u8cb7\u5bb6\u53ea\u8981\u6301\u6709\u5df2\u7c3d\u8a02\u7684\u300c\u9810\u7559\u8868\u683c\u300d\uff0c\u5c31\u53ef\u4ee5\u5411\u9280\u884c\u7533\u8acb\u6309\u63ed\u3002\u5982\u679c\u8cfc\u8cb7\u7684\u662f\u6a13\u82b1\u7269\u696d\uff0c\u8cb7\u5bb6\u53ef\u65bc\u5165\u4f19\u524d\u534a\u5e74\u5de6\u53f3\u7533\u8acb\u3002<\/p>\n<div id=\"attachment_305635\" style=\"width: 618px\" class=\"wp-caption alignnone\"><img loading=\"lazy\" decoding=\"async\" aria-describedby=\"caption-attachment-305635\" class=\"wp-image-305635\" src=\"\/articles\/wp-content\/uploads\/2021\/08\/iStock-929210842-1024x683.jpg\" alt width=\"608\" height=\"405\" srcset=\"\/articles\/wp-content\/uploads\/2021\/08\/iStock-929210842-1024x683.jpg 1024w, \/articles\/wp-content\/uploads\/2021\/08\/iStock-929210842-300x200.jpg 300w, \/articles\/wp-content\/uploads\/2021\/08\/iStock-929210842-768x512.jpg 768w, \/articles\/wp-content\/uploads\/2021\/08\/iStock-929210842-1536x1024.jpg 1536w, \/articles\/wp-content\/uploads\/2021\/08\/iStock-929210842-2048x1365.jpg 2048w\" sizes=\"auto, (max-width: 608px) 100vw, 608px\"><p id=\"caption-attachment-305635\" class=\"wp-caption-text\">\u8cb7\u5bb6\u53ea\u8981\u6301\u6709\u5df2\u7c3d\u8a02\u7684\u300c\u9810\u7559\u8868\u683c\u300d\uff0c\u5c31\u53ef\u4ee5\u5411\u9280\u884c\u7533\u8acb\u6309\u63ed\u3002<\/p><\/div>\n<h3><strong>\u4e8c\u624b\u6a13\u5148\u6279\u6309\u63ed<\/strong><strong>\u5f8c<\/strong><strong>\u843d\u8a02<\/strong><\/h3>\n<p>\u81f3\u65bc\u8cfc\u8cb7\u4e8c\u624b\u6a13\uff0c\u4ea4\u6613\u7a0b\u5e8f\u5247\u6703\u8207\u9999\u6e2f\u6709\u8f03\u5927\u5206\u5225\u3002\u8cb7\u5bb6\u900f\u904e\u4e2d\u4ecb\u5b89\u6392\u7747\u6a13\uff08\u6216\u8996\u50cf\u7747\u6a13\uff09\uff0c\u8cb7\u8ce3\u96d9\u65b9\u8b70\u5b9a\u597d\u5927\u81f4\u7684\u50f9\u9322\u5f8c\uff0c\u6703\u7c3d\u8a02\u92b7\u552e\u5099\u5fd8\uff08Memorandum of Sales\uff09\u3002\u7528\u92b7\u552e\u5099\u5fd8\uff0c\u5df2\u53ef\u4ee5\u5411\u9280\u884c\u7533\u8acb\u6309\u63ed\u8cb8\u6b3e\uff1b\u4e00\u5207\u9806\u5229\u7684\u8a71\uff0c\u9280\u884c\u6703\u6279\u51fa\u521d\u6b65\u8cb8\u6b3e\u540c\u610f\u66f8\uff08Decision in Principle\/AIP\uff09\uff0c\u6709\u6548\u671f\u70ba3\u500b\u6708\uff0c\u8cb7\u5bb6\u5c31\u53ef\u6b63\u5f0f\u843d\u8a02\u4e26\u5b8c\u6210\u8cb7\u8ce3\u7a0b\u5e8f\u3002<\/p>\n<h2><strong><u>2.<\/u><\/strong><strong><u>\u8cb7\u82f1\u570b\u6a13\u53ef\u4ee5\u6435\u9999\u6e2f\u9280\u884c\u505a\u6309\u63ed\u55ce\uff1f<\/u><\/strong><\/h2>\n<p>\u53ef\u4ee5\uff0c\u73fe\u6642\u67093\u9593\u5728\u82f1\u570b\u6709\u5206\u652f\u7684\u9999\u6e2f\u9280\u884c\uff0c\u5305\u62ec\u6ed9\u8c50\u3001\u6771\u4e9e\u53ca\u4e2d\u570b\u9280\u884c\uff0c\u90fd\u6703\u63d0\u4f9b\u82f1\u570b\u6a13\u7684\u6309\u63ed\uff0c\u8cb7\u5bb6\u53ef\u5728\u9999\u6e2f\u905e\u4ea4\u6587\u4ef6\u3002\u4e0d\u904e\uff0c\u505a\u82f1\u570b\u6a13\u6309\u63ed\uff0c\u9280\u884c\u6703\u5148\u5c0d\u8cb7\u5bb6\u7684\u8ca1\u653f\u80fd\u529b\u9032\u884c\u5be9\u67e5\uff0c\u5fc5\u9808\u9054\u81f3\u4e00\u5b9a\u6536\u5165\u9580\u6abb\u624d\u6703\u63a5\u53d7\u7533\u8acb\u3002\u4ee5\u6771\u4e9e\u9280\u884c\u70ba\u70ba\u4f8b\uff0c\u6700\u4f4e\u8981\u6c42\u662f\u5e74\u6536\u516572,000\u82f1\u938a\uff0c\u800c\u4e14\u53ea\u6703\u63a5\u53d7\u51fa\u79df\u7269\u696d\u7684\u6309\u63ed(Buy To Let mortgage)\u7533\u8acb\u3002\u81f3\u65bc\u6ed9\u8c50\u9280\u884c\uff0c\u66f4\u8981\u6c42\u81ea\u4f4f\u7269\u696d\u6309\u63ed\u7533\u8acb\u8005\u7684\u5e74\u6536\u5165\u905475,000\u82f1\u938a\uff1b\u7533\u8acb\u51fa\u79df\u7269\u696d\u6309\u63ed\u7684\u500b\u4eba\u8cb7\u5bb6\uff0c\u5e74\u6536\u5165\u4ea6\u8981\u905450,000\u82f1\u938a\u3002\u9808\u6ce8\u610f\u7684\u662f\uff0c\u9280\u884c\u8a08\u7b97\u6536\u5165\u9580\u6abb\u6642\uff0c\u901a\u5e38\u90fd\u4e0d\u6703\u8a08\u7b97\u734e\u91d1\u53ca\u96d9\u7ce7\u7b49\u984d\u5916\u6536\u5165\uff0c\u7d14\u4ee5\u57fa\u672c\u6536\u5165\u4f5c\u6e96\u5247\u3002<\/p>\n<p>\u6b64\u5916\uff0c\u96d6\u7136\u67093\u9593\u9999\u6e2f\u9280\u884c\u63d0\u4f9b\u82f1\u570b\u6a13\u6309\u63ed\uff0c\u4f46\u9664\u4e86\u6ed9\u8c50\u9280\u884c\u5728\u82f1\u683c\u862d\u53ca\u8607\u683c\u862d\u5730\u5340\u90fd\u8986\u84cb\u4e4b\u5916\uff0c\u4e2d\u570b\u9280\u884c\u53ca\u6771\u4e9e\u9280\u884c\u7684\u5206\u884c\u7db2\u7d61\u4e26\u4e0d\u7b97\u5ee3\u3002\u5176\u4e2d\uff0c\u4e2d\u570b\u9280\u884c\u5728\u502b\u6566(London)\u3001\u4f2f\u660e\u7ff0(Birmingham)\u3001\u66fc\u5fb9\u65af\u7279(Manchester)\u3001\u53ca\u8607\u683c\u862d\u7684\u683c\u62c9\u65af\u54e5(Glasgow)\u6709\u5206\u652f\uff1b\u81f3\u6771\u4e9e\u9280\u884c\uff0c\u5247\u53ea\u5728\u502b\u6566\u3001\u66fc\u5fb9\u65af\u7279\u53ca\u4f2f\u660e\u7ff0\u6709\u5206\u884c\u3002\u5982\u679c\u8cb7\u5bb6\u60f3\u8cfc\u7f6e\u7684\u7269\u696d\uff0c\u8d85\u51fa\u4e86\u9019\u4e9b\u5730\u5340\uff0c\u5c31\u8981\u500b\u5225\u5411\u9280\u884c\u67e5\u8a62\u662f\u5426\u80fd\u627f\u505a\u6309\u63ed\u3002<\/p>\n<h2><strong><u>3.<\/u><\/strong><strong><u>\u82f1\u570b<\/u><\/strong><strong><u>\u6a13\u53ef<\/u><\/strong><strong><u>\u505a\u5e7e\u591a\u6309\u63ed\u6210\u6578\uff1f<\/u><\/strong><\/h2>\n<p>\u5728\u9999\u6e2f\uff0c\u5404\u5927\u9280\u884c\u90fd\u662f\u6839\u64da\u91d1\u7ba1\u5c40\u7684\u6307\u5f15\u4f86\u63d0\u4f9b\u7269\u696d\u6309\u63ed\u6210\u6578\uff0c\u4f46\u82f1\u570b\u6a13\u5247\u6c92\u6709\u7d71\u4e00\u7684\u57fa\u6e96\uff0c\u800c\u4e14\u4ea6\u8f03\u70ba\u5bec\u9b06\uff0c\u4e00\u822c\u4ecb\u4e4e70%\u81f375%\u4e0d\u7b49\uff1b\u800c\u4e2d\u9280\u5c0d\u65bc\u81ea\u4f4f\u7269\u696d\u7684\u6309\u63ed\uff0c\u6700\u9ad8\u66f4\u905480%\u3002<\/p>\n<p>\u81f3\u65bc\u6309\u63ed\u5e74\u671f\uff0c\u5176\u5be6\u8207\u9999\u6e2f\u7684\u7269\u696d\u6309\u63ed\u76f8\u5dee\u4e0d\u7b97\u5927\uff0c\u4f46\u6703\u4ee5\u9000\u4f11\u5e74\u9f61\u4f5c\u754c\u7dda\uff0c\u751a\u5c11\u6703\u51fa\u73fe\u300c\u4f9b\u523070\u6b72\u300d\u7684\u72c0\u6cc1\u3002\u76ee\u524d\uff0c\u4e2d\u570b\u9280\u884c\u6700\u9577\u53ef\u505a30\u5e74\u7684\u6309\u63ed\uff1b\u800c\u532f\u8c50\u9280\u884c\u6700\u957725\u5e74\uff0c\u6216\u4ee5\u9000\u4f11\u5e74\u9f61\uff0860\u6b72\uff09\u6263\u6e1b\u6b72\u6578\uff0c\u4ee5\u8f03\u77ed\u70ba\u6e96\u3002\u4f8b\u5982\u8cb7\u5bb6\u70ba38\u6b72\uff0c\u5247\u6700\u9577\u53ea\u53ef\u505a22\u5e74\u6309\u63ed\uff0860\u6b72 \u2013 38\u6b72\uff09\uff1b\u81f3\u65bc\u6771\u4e9e\u9280\u884c\uff0c\u6700\u9577\u53ef\u505a25\u5e74\uff0c\u6216\u4ee565\u6b72\u6263\u6e1b\u5e74\u9f61\u6b72\u6578\u4f86\u8a08\u7b97\uff0c\u540c\u6a23\u662f\u4ee5\u8f03\u77ed\u70ba\u6e96\u3002<\/p>\n<h2><strong><u>4.<\/u><\/strong><strong><u>\u82f1\u570b\u6a13\u7684\u6309\u63ed\u7a2e\u985e\u8ddf<a href=\"https:\/\/www.ricacorp.com\/articles\/category\/%e7%bd%ae%e6%a5%ad%e5%b0%8f%e7%99%be%e7%a7%91\/%e6%8c%89%e6%8f%ad%e8%a9%b1%e4%bd%a0%e7%9f%a5\/\">\u9999\u6e2f\u6309\u63ed<\/a>\u5f88\u4e0d\u540c\uff1f<\/u><\/strong><\/h2>\n<p>\u82f1\u570b\u7269\u696d\u7684\u6309\u63ed\uff0c\u6bd4\u8d77\u9999\u6e2f\u53ef\u8b02\u300c\u6b3e\u5f0f\u300d\u8f03\u591a\uff0c\u5207\u5408\u4e0d\u540c\u8cb7\u5bb6\u7684\u9700\u8981\u3002\u4ee5\u5229\u7387\u800c\u8a00\uff0c\u82f1\u570b\u7684\u6309\u63ed\u8a08\u5283\uff0c\u65e2\u6709\u4e3b\u6d41\u7684\u6d6e\u606f\u6309\u63ed\uff08Tracker Mortgage\uff09\uff0c\u4e5f\u6709\u5b9a\u606f\u6309\u63ed\uff08Fix Rate Mortgage\uff09\uff1b\u800c\u4ee5\u9084\u6b3e\u65b9\u5f0f\u800c\u8a00\uff0c\u66f4\u6709\u300c\u9084\u606f\u4e0d\u9084\u672c\u300d\uff08Interest-only repayment\uff09\u7684\u8a08\u5283\u4f9b\u9078\u64c7\u3002<\/p>\n<h3><strong>\u5b9a\u606f\u6309\u63ed<\/strong><strong>\u9396\u5b9a\u652f\u51fa<\/strong><strong>\u597d\u9810\u7b97<\/strong><\/h3>\n<p>\u82f1\u570b\u7684\u5b9a\u606f\u6309\u63ed\uff0c\u5176\u5be6\u4e26\u975e\u300c\u5168\u671f\u5b9a\u606f\uff0c\u5e74\u671f\u6d6e\u52d5\u300d\u7684\u8a08\u5283\uff0c\u800c\u662f\u5728\u4f9b\u6a13\u521d\u6bb5\u8a2d2\u81f35\u5e74\u5b9a\u606f\u671f\uff0c\u4ee4\u8cb7\u5bb6\u53ef\u4ee5\u9396\u5b9a\u672a\u4f86\u5169\u4e09\u5e74\u7684\u5229\u606f\u652f\u51fa\uff0c\u4e0d\u6703\u56e0\u5229\u7387\u5e02\u5834\u8b8a\u52d5\u800c\u5927\u5931\u9810\u7b97\u3002\u4e4b\u5f8c\uff0c\u8cb7\u5bb6\u53ef\u4ee5\u6309\u5230\u6642\u7684\u5229\u7387\uff0c\u9078\u64c7\u65b0\u4e00\u8f2a\u5b9a\u606f\u671f\uff0c\u6216\u8f49\u4ee5\u6d6e\u606f\u6309\u63ed\u7e7c\u7e8c\u4f9b\u6b3e\u3002\u4e0d\u904e\uff0c\u5b9a\u606f\u671f\u904e\u5f8c\u7684\u6d6e\u52d5\u5229\u7387\uff0c\u4e00\u822c\u6703\u8f03\u5e02\u5834\u7684\u6d6e\u52d5\u5229\u7387\u70ba\u9ad8\u3002<\/p>\n<p>\u4ee5\u4e2d\u570b\u9280\u884c\u70ba\u4f8b\uff0c\u76ee\u524d\u63d0\u4f9b\u7684\u81ea\u4f4f\u7269\u696d\u5b9a\u606f\u5229\u7387\u4ecb\u4e4e2.83\u5398\u81f33.43\u5398\uff0c\u800c\u51fa\u79df\u7269\u696d\u5247\u4ecb\u4e4e3.53\u5398\u81f34.13\u5398\u3002\u81f3\u65bc\u532f\u8c50\u9280\u884c\uff0c\u81ea\u4f4f\u7269\u696d\u7684\u5b9a\u606f\u5229\u7387\u4ecb\u4e4e1.59\u5398\u81f32.19\u5398\uff1b\u800c\u51fa\u79df\u7269\u696d\u4ecb\u4e4e1.69\u5398\u81f33.09\u5398\u3002<\/p>\n<p>\u503c\u5f97\u7559\u610f\u7684\u662f\uff0c\u9280\u884c\u6703\u5c31\u5b9a\u606f\u6309\u63ed\u7684\u7533\u8acb\uff0c\u6536\u53d6\u300c\u62b5\u62bc\u8cbb\u300d\uff08Booking fee\uff09\uff1b\u800c\u4e14\u6bcf\u6b21\u9078\u64c7\u65b0\u4e00\u8f2a\u5b9a\u606f\u671f\u6642\uff0c\u90fd\u8981\u518d\u7e73\u4ed8\u8a72\u9805\u8cbb\u7528\uff1b\u800c\u6ed9\u8c50\u7684\u5b9a\u606f\u6309\u63ed\u5229\u7387\u53ca\u62b5\u62bc\u8cbb\u4e4b\u9593\uff0c\u66f4\u6703\u4f5c\u51fa\u76f8\u4e92\u7684\u8abf\u7bc0\uff0c\u5373\u5b9a\u606f\u5229\u7387\u8f03\u4f4e\uff0c\u6536\u53d6\u7684\u300c\u62b5\u62bc\u8cbb\u300d\u5c31\u8f03\u9ad8\uff0c\u53cd\u4e4b\u4ea6\u7136\u3002<\/p>\n<h3><strong>\u6d6e\u606f\u6309\u63ed\u6ce2\u52d5\u6027<\/strong><strong>\u8f03<\/strong><strong>\u9ad8<\/strong><\/h3>\n<p>\u82f1\u570b\u7684\u6d6e\u52d5\u5229\u7387\u6309\u63ed\u8a08\u5283\u8207\u9999\u6e2f\u5927\u81f4\u76f8\u540c\uff0c\u4f9b\u6b3e\u5229\u7387\u6309\u5e02\u5834\u5229\u7387\u800c\u5b9a\uff0c\u4e0d\u6642\u4f5c\u51fa\u8f49\u8b8a\u3002\u5728\u9999\u6e2f\uff0c\u4e00\u822c\u6703\u4ee5\u540c\u696d\u62c6\u606f\uff08HIBOR\uff09\u6216\u6700\u512a\u60e0\u5229\u7387\uff08Prime Rate\uff09\u4f5c\u70ba\u57fa\u6e96\uff1b\u800c\u5728\u82f1\u570b\uff0c\u5247\u662f\u4ee5\u82f1\u502b\u9280\u884c\u7684\u57fa\u6e96\u5229\u7387\u4f86\u8a08\u7b97\u5be6\u969b\u5229\u7387\uff08APRC\uff09\u3002\u81f3\u65bc\u5be6\u969b\u5229\u7387\u6c34\u5e73\uff0c\u5176\u5be6\u5f88\u8996\u4e4e\u7533\u8acb\u8005\u7684\u4fe1\u8cb8\u7d00\u9304\u3001\u6536\u5165\u60c5\u6cc1\uff0c\u4ee5\u53ca\u7533\u8acb\u6309\u63ed\u7684\u6210\u6578\uff1b\u800c\u4e00\u822c\u60c5\u6cc1\u4e0b\uff0c\u90fd\u6703\u662f\u57283%\u81f34%\u7684\u6c34\u5e73\u3002<\/p>\n<h3><strong>\u300c\u9084\u606f\u4e0d\u9084\u672c\u300d\u6295\u8cc7\u8005\u6700Like<\/strong><\/h3>\n<p>\u505a\u82f1\u570b\u6a13\u7684\u6309\u63ed\uff0c\u9664\u4e86\u53ef\u9078\u5b9a\u606f\u8207\u6d6e\u606f\u4e4b\u5916\uff0c\u8cb7\u5bb6\u66f4\u53ef\u6309\u81ea\u5df1\u7684\u8ca1\u52d9\u9700\u8981\uff0c\u9078\u64c7\u300c\u9084\u606f\u4e0d\u9084\u672c\u300d\u7684\u8a08\u5283\u3002\u9019\u7a2e\u9084\u6b3e\u5b89\u6392\u5c0d\u9999\u6e2f\u7f6e\u696d\u8005\u4f86\u8aaa\u8f03\u70ba\u964c\u751f\uff0c\u4f46\u5728\u82f1\u570b\uff0c\u5247\u9817\u53d7\u6295\u8cc7\u8005\u6b61\u8fce\u3002<\/p>\n<p>\u7531\u65bc\u8cb7\u5bb6\u53ea\u9700\u6bcf\u6708\u511f\u9084\u5229\u606f\uff0c\u5230\u9084\u6b3e\u671f\u672b\u624d\u4e00\u6b21\u904e\u511f\u9084\u6574\u7b46\u8cb8\u6b3e\uff0c\u6545\u4f4f\u5c4b\u7684\u958b\u652f\u6703\u56e0\u6b64\u5927\u6e1b\uff1b\u5982\u679c\u662f\u51fa\u79df\u7269\u696d\uff0c\u66f4\u53ef\u4ee5\u589e\u52a0\u73fe\u91d1\u6d41\uff0c\u7b49\u5f85\u5347\u503c\u6642\u51fa\u552e\u5957\u73fe\u3002<\/p>\n<p>\u4e0d\u904e\u300c\u91dd\u7121\u5169\u982d\u5229\u300d\uff0c\u9019\u7a2e\u8a08\u5283\u7684\u5e74\u671f\u76f8\u5c0d\u8f03\u77ed\uff0c\u6700\u591a\u53ea\u670925\u5e74\uff0c\u800c\u4e14\u8981\u5728\u671f\u672b\u4e00\u7b46\u904e\u511f\u9084\u8cb8\u6b3e\uff0c\u5426\u5247\u6703\u88ab\u6536\u6a13\uff0c\u6240\u4ee5\u8cb7\u5bb6\u5fc5\u9808\u8981\u6709\u5468\u8a73\u7684\u8d16\u56de\u7269\u696d\u6e96\u5099\uff0c\u514d\u5f97\u970e\u6642\u8981\u7c4c\u63aa\u5927\u7b46\u91d1\u9322\u3002\u6b64\u5916\uff0c\u9280\u884c\u5be9\u6279\u300c\u9084\u606f\u4e0d\u9084\u672c\u300d\u8a08\u5283\u7684\u7533\u8acb\uff0c\u4e00\u822c\u6703\u66f4\u70ba\u56b4\u683c\uff0c\u4ee5\u6ed9\u8c50\u9280\u884c\u70ba\u4f8b\uff0c\u7533\u8acb\u8005\u7684\u5e74\u6536\u5165\u8981\u6c42\u9700\u9054\u5230100,000\u82f1\u938a\uff1b\u800c\u4e14\u6309\u63ed\u6210\u6578\u6709\u53ef\u80fd\u4f4e\u81f350%\u3002<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-305636\" src=\"\/articles\/wp-content\/uploads\/2021\/08\/iStock-1175811122-scaled.jpg\" alt width=\"608\" height=\"405\" srcset=\"\/articles\/wp-content\/uploads\/2021\/08\/iStock-1175811122-scaled.jpg 2560w, \/articles\/wp-content\/uploads\/2021\/08\/iStock-1175811122-300x200.jpg 300w, \/articles\/wp-content\/uploads\/2021\/08\/iStock-1175811122-1024x683.jpg 1024w, \/articles\/wp-content\/uploads\/2021\/08\/iStock-1175811122-768x512.jpg 768w, \/articles\/wp-content\/uploads\/2021\/08\/iStock-1175811122-1536x1024.jpg 1536w, \/articles\/wp-content\/uploads\/2021\/08\/iStock-1175811122-2048x1365.jpg 2048w\" sizes=\"auto, (max-width: 608px) 100vw, 608px\"><\/p>\n<h2><strong><u>5.<\/u><\/strong><strong><u>\u82f1\u570b\u7684\u4f9b\u6b3e\u8207\u5165\u606f\u6bd4\u7387\u8981\u6c42\u662f\u5426\u5f88\u56b4<\/u><\/strong><strong><u>\u683c<\/u><\/strong><strong><u>\uff1f<\/u><\/strong><\/h2>\n<p>\u5728\u82f1\u570b\u505a\u6309\u63ed\uff0c\u9280\u884c\u5c0d\u6bcf\u6708\u4f9b\u6b3e\u8207\u5165\u606f\u6bd4\u7387\uff08Debt Servicing-ratio\uff0c\u7c21\u7a31DSR\uff09\u6c92\u6709\u7d71\u4e00\u7684\u6a19\u6e96\uff0c\u6bcf\u9593\u9280\u884cDSR\u4e0a\u9650\u5747\u4e0d\u540c\uff0c\u4f46\u666e\u904d\u6bd4\u9999\u6e2f\u505a\u6309\u63ed\u66f4\u300c\u624b\u7dca\u300d\uff0c\u4e00\u822c\u5b9a\u70ba35%\uff0c\u5373\u4f9b\u6b3e\u4e0a\u9650\u662f\u6536\u5165\u768435%\u3002\u5982\u679c\u7533\u8acb\u4ebaDSR\u9054\u523050%\uff0c\u90e8\u5206\u9280\u884c\u4ecd\u6703\u63a5\u53d7\uff0c\u4f46\u5229\u7387\u6703\u76f8\u61c9\u63d0\u9ad8\u3002<\/p>\n<h3><strong>\u8a08DSR<\/strong><strong>\u8d77\u5c45\u98f2\u98df\u300c\u7b97\u5230\u76e1\u300d<\/strong><\/h3>\n<p>\u6b64\u5916\uff0c\u82f1\u570b\u7684\u9280\u884c\u5728\u8a08\u7b97\u7533\u8acb\u4eba\u7684DSR\uff0c\u5c0d\u50b5\u52d9\u5b9a\u7fa9\u66f4\u70ba\u56b4\u683c\u548c\u4ed4\u7d30\uff0c\u9664\u4e86\u79c1\u4eba\u8cb8\u6b3e\u3001\u6c7d\u8eca\u8cb8\u6b3e\u3001\u4fe1\u7528\u5361\u6b20\u6b3e\u7b49\u300c\u4f8b\u724c\u300d\u4e8b\u9805\u4e4b\u5916\uff0c\u5c31\u9023\u5f88\u591a\u5bb6\u5ead\u958b\u652f\u53ca\u65e5\u5e38\u6d88\u8cbb\u4ea6\u4e00\u4f75\u8a08\u7b97\u5165\u5167\uff0c\u4f8b\u5982\u751f\u80b2\u9810\u7b97\u958b\u652f\u3001\u5b50\u5973\u5b78\u8cbb\uff0c\u4ee5\u81f3\u6bcf\u6708\u7684\u4fe1\u7528\u5361\u6d88\u8cbb\u7b49\u7b49\u3002\u56e0\u6b64\uff0c\u5728\u7533\u8acb\u6309\u63ed\u4e4b\u524d\uff0c\u6700\u597d\u76e1\u91cf\u300c\u6173\u4f4f\u4f7f\u300d\u3002<\/p>\n<p>\u81f3\u65bc\u7533\u8acb\u9023\u7d44\u7d04\u7269\u696d\u7684\u6309\u63ed\uff0c\u5be9\u6279\u5c31\u66f4\u56b4\u8b39\uff0cDSR\u53ea\u6703\u8a08\u7b97\u79df\u91d1\u6536\u5165\uff0c\u800c\u4e14\u8981\u901a\u904e\u58d3\u529b\u6e2c\u8a66\u3002\u79df\u91d1\u6536\u5165\u9808\u9ad8\u65bc\u58d3\u529b\u6e2c\u8a66\u5229\u7387\u4e0b\u4f9b\u6b3e\u7684145%\uff0c\u5982\u58d3\u6e2c\u5229\u7387\u70ba5.5\u5398\uff0c\u79df\u91d1\u56de\u5831\u5c31\u8981\u90544%\u5de6\u53f3\uff0c\u4e0d\u5bb9\u6613\u9054\u6a19\u3002<\/p>\n<h2><strong><u>6.<\/u><\/strong><strong><u>\u751a\u9ebc\u60c5\u6cc1\u4e0b\u9280\u884c\u6703\u62d2\u6279\u6309\u63ed\uff1f<\/u><\/strong><\/h2>\n<p>\u8ddf\u5728\u9999\u6e2f\u8cb7\u6a13\u4e00\u6a23\uff0c\u82f1\u570b\u9280\u884c\u90fd\u6703\u51fa\u73fe\u62d2\u6279\u6309\u63ed\u7684\u60c5\u6cc1\u3002\u7576\u7136\uff0c\u9664\u4e86\u662f\u8cea\u7591\u7533\u8acb\u8005\u7684\u9084\u6b3e\u80fd\u529b\u5916\uff0c\u4ea6\u53ef\u80fd\u662f\u51fa\u65bc\u7269\u696d\u672c\u8eab\u7684\u554f\u984c\u3002\u4f8b\u5982\u6709\u90e8\u5206\u9280\u884c\uff0c\u5c31\u6703\u62d2\u7d55\u70ba\u6a13\u9f61\u904e\u9ad8\u3001\u9762\u7a4d\u592a\u7d30\u6216\u7d50\u69cb\u51fa\u73fe\u554f\u984c\u7684\u82f1\u570b\u7269\u696d\u63d0\u4f9b\u6309\u63ed\u3002<\/p>\n<p>\u6b64\u5916\uff0c\u4e00\u4e9b\u820a\u6a13\u7269\u696d\u5982\u4e0d\u80fd\u7b26\u5408\u5916\u7246\u6d88\u9632\u5efa\u7bc9\u6a19\u6e96(Cladding Report)\uff0c\u4ea6\u5f88\u5927\u6a5f\u6703\u906d\u62d2\u3002\u503c\u5f97\u7559\u610f\u7684\u662f\uff0c\u8fd1\u5e74\u5728\u9999\u6e2f\u92b7\u552e\u7684\u82f1\u570b\u6a13\uff0c\u7576\u4e2d\u4e0d\u5c11\u5c6c\u65bc\u820a\u6a13\u7ffb\u65b0\u7684\u7269\u696d\uff0c\u8cb7\u5bb6\u8cfc\u7f6e\u9019\u985e\u7269\u696d\u6642\uff0c\u9700\u8981\u683c\u5916\u7559\u795e\uff0c\u4e86\u89e3\u9805\u76ee\u8a73\u60c5\u624d\u5165\u624b\u3002<\/p>\n<p>\u9664\u4ee5\u4e0a\u56e0\u7d20\u5916\uff0c\u9280\u884c\u4ecd\u7136\u6709\u6a5f\u6703\u56e0\u500b\u5225\u500b\u6848\u800c\u62d2\u6279\u6309\u63ed\uff0c\u4f8b\u5982\u6771\u4e9e\u9280\u884c\u5c31\u4e0d\u6703\u63a5\u53d7\u6301\u6709\u8d85\u904e3\u500b\u82f1\u570b\u7269\u696d\u7684\u8cb7\u5bb6\u7533\u8acb\uff0c\u540c\u6642\u4ea6\u4e0d\u63a5\u53d7\u5730\u79df\u904e\u9ad8\u7684\u7269\u696d\u7533\u8acb\u6309\u63ed\u3002<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-305637\" src=\"\/articles\/wp-content\/uploads\/2021\/08\/iStock-902845692-scaled.jpg\" alt width=\"608\" height=\"405\" srcset=\"\/articles\/wp-content\/uploads\/2021\/08\/iStock-902845692-scaled.jpg 2560w, \/articles\/wp-content\/uploads\/2021\/08\/iStock-902845692-300x200.jpg 300w, \/articles\/wp-content\/uploads\/2021\/08\/iStock-902845692-1024x683.jpg 1024w, \/articles\/wp-content\/uploads\/2021\/08\/iStock-902845692-768x512.jpg 768w, \/articles\/wp-content\/uploads\/2021\/08\/iStock-902845692-1536x1024.jpg 1536w, \/articles\/wp-content\/uploads\/2021\/08\/iStock-902845692-2048x1366.jpg 2048w\" sizes=\"auto, (max-width: 608px) 100vw, 608px\"><\/p>\n<h2><strong><u>7.<\/u><\/strong><strong><u>\u7533\u8acb\u6309\u63ed\u6709\u751a\u9ebc\u300c\u4e2d\u4f0f\u4f4d\u300d\u8981<\/u><\/strong><strong><u>\u7559\u610f<\/u><\/strong><strong><u>\uff1f<\/u><\/strong><\/h2>\n<p>\u8aaa\u5230\u300c\u4e2d\u4f0f\u4f4d\u300d\uff0c\u8cb7\u5bb6\u5fc5\u9808\u7559\u610f\u7533\u8acb\u6309\u63ed\u7684\u6642\u9593\u5b89\u6392\u3002\u4e00\u822c\u4f86\u8aaa\uff0c\u4e00\u624b\u6a13\u8981\u5728\u5165\u4f19\u524d\u534a\u5e74\u7533\u8acb\u6309\u63ed\uff0c\u800c\u4e8c\u624b\u6a13\u5247\u9700\u8981\u56db\u500b\u6708\u6642\u9593\u3002\u9a5f\u770b\u4f3c\u662f\u6642\u9593\u5145\u88d5\uff0c\u4f46\u4e0d\u8981\u5fd8\u8a18\u9999\u6e2f\u8207\u82f1\u570b\u67098\u5c0f\u6642\u7684\u6642\u5dee\uff0c\u67e5\u8a62\u53ca\u5f80\u4f86\uff0c\u96a8\u6642\u8981\u96d9\u500d\u6642\u9593\u3002\u7576\u7136\uff0c\u4ea6\u4e0d\u8981\u671f\u671b\u82f1\u570b\u7684\u9280\u884c\u53ca\u4e2d\u4ecb\uff0c\u6703\u6709\u9999\u6e2f\u4eba\u7684\u8fa6\u4e8b\u6548\u7387\uff0c\u6240\u4ee5\u6700\u597d\u90fd\u9810\u7559\u8f03\u591a\u6642\u9593\u505a\u7533\u8acb\u3002<\/p>\n<p>\u53e6\u5916\uff0c\u7f6e\u696d\u8005\u9808\u6bcf\u6708\u5c07\u4f9b\u6b3e\u5b58\u5165\u82f1\u570b\u7684\u6236\u53e3\uff0c\u5982\u8981\u300c\u6173\u591a\u5572\u300d\uff0c\u5c31\u8981\u7d93\u5e38\u7559\u610f\u532f\u50f9\u7684\u4e0a\u843d\uff0c\u6bcf\u6708\u53ca\u65e9\u6e96\u5099\uff1b\u540c\u6642\u4ea6\u8981\u7559\u610f\u9280\u884c\u96fb\u532f\u7684\u6536\u8cbb\u3002<\/p>\n<h3><strong>\u7533\u8acb\u6309\u63ed\u6536\u8cbb\u540d\u76ee\u591a<\/strong><\/h3>\n<p>\u4e8b\u5be6\u4e0a\uff0c\u5728\u82f1\u570b\u8cb7\u6a13\uff0c\u6536\u8cbb\u540d\u76ee\u53ef\u8b02\u300c\u4e00\u7c6e\u7c6e\u300d\uff0c\u9664\u4e86\u8cb7\u6a13\u5fc5\u9808\u4ed8\u7684\u5f8b\u5e2b\u8cbb\u3001\u4e2d\u4ecb\u8cbb\u53ca\u5370\u82b1\u7a05\u7b49\u4e00\u7c43\u5b50\u6536\u8cbb\u5916\uff0c\u5728\u6574\u500b\u7533\u8acb\u6309\u63ed\u904e\u7a0b\u4e2d\uff0c\u4ea6\u5305\u542b\u4e86\u4e0d\u5c11\u7684\u6536\u8cbb\u9805\u76ee\uff0c\u8cb7\u5bb6\u5fc5\u9808\u7559\u610f\uff0c\u514d\u5f97\u5927\u5931\u9810\u7b97\u3002<\/p>\n<p>\u4e0d\u8ad6\u662f\u9999\u6e2f\u9280\u884c\u6216\u82f1\u570b\u7576\u5730\u9280\u884c\uff0c\u90fd\u6703\u6536\u53d6\u6309\u63ed\u5b89\u6392\u8cbb\uff08Arrangement Fee\uff09\uff0c\u8cbb\u7528\u52d5\u8f12\u9ad8\u90542,000\u82f1\u938a\uff1b\u6709\u4e9b\u9280\u884c\u7684\u6536\u8cbb\uff0c\u66f4\u53ef\u80fd\u9ad8\u9054\u6a13\u50f92%\u3002\u6b64\u5916\uff0c\u90e8\u5206\u9280\u884c\u4ea6\u6703\u5c07\u70ba\u7269\u696d\u4f30\u50f9\u7684\u4f30\u50f9\u8cbb\uff08Valuation Fee\uff09\uff0c\u8f49\u5ac1\u5230\u7533\u8acb\u8005\u4e0a\uff0c\u4e00\u822c\u7d04\u70ba300\u82f1\u938a\u81f3500\u82f1\u938a\u3002<\/p>\n<p>\u5982\u679c\u662f\u6a13\u9f61\u8f03\u820a\u7684\u4e8c\u624b\u6a13\uff0c\u9280\u884c\u6703\u8981\u6c42\u8cb7\u5bb6\u8058\u8acb\u7576\u5730\u7684\u6e2c\u91cf\u5e2b\u4f5c\u4e00\u4efd\u8a73\u7d30\u7684\u5831\u544a\uff0c\u8b49\u660e\u7269\u696d\u7d50\u69cb\u5b89\u5168\u7b49\u90fd\u7b26\u5408\u898f\u683c\u3002\u9019\u985e\u6e2c\u91cf\u8cbb\uff08Surveyor Fee\uff09\u4e00\u822c\u7531200\u82f1\u938a\u81f3500\u82f1\u938a\u4e0d\u7b49\u3002<\/p>\n<p><a href=\"https:\/\/www.overseas.ricacorp.com\/\">\u66f4\u591a\u6d77\u5916\u7269\u696d\u8cc7\u8a0a<\/a><\/p>\n<p>\u5229\u5609\u95a3FB PAGE\u53ca\u5229\u5609\u95a3\u5728\u6b64\u63d0\u4f9b\u7684\u8cc7\u6599\u53ea\u4f9b\u95a3\u4e0b\u53c3\u8003\uff0c\u672c\u516c\u53f8\u4e26\u7121\u63a1\u53d6\u4efb\u4f55\u6b65\u9a5f\u6838\u5be6\u6709\u95dc\u8cc7\u6599\u662f\u5426\u5408\u4e4e\u5be6\u969b\u60c5\u6cc1\u3002\u6709\u8208\u8da3\u8005\u9808\u4f9d\u8cf4\u81ea\u5df1\u9032\u884c\u67e5\u8a3c\u4ee5\u78ba\u5b9a\u8cc7\u6599\u7684\u6e96\u78ba\u6027\u3002\u672c\u516c\u53f8\u4e0d\u5c0d\u8cc7\u6599\u7684\u6e96\u78ba\u6027\u4f5c\u51fa\u4efb\u4f55\u660e\u793a\u6216\u96b1\u542b\u7684\u4fdd\u8b49\u3002\u82e5\u56e0\u932f\u6f0f\u800c\u5f15\u81f4\u4efb\u4f55\u4e0d\u4fbf\u6216\u640d\u5931\uff0c\u5229\u5609\u95a3FB PAGE\u53ca\u5229\u5609\u95a3\u6982\u4e0d\u8ca0\u8cac\u3002<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u2026<\/p>\n","protected":false},"author":53,"featured_media":305634,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"wp_typography_post_enhancements_disabled":false,"footnotes":"","_wpscppro_dont_share_socialmedia":false,"_wpscppro_custom_social_share_image":0,"_facebook_share_type":"","_twitter_share_type":"","_linkedin_share_type":"","_pinterest_share_type":"","_linkedin_share_type_page":"","_instagram_share_type":"","_medium_share_type":"","_threads_share_type":"","_google_business_share_type":"","_selected_social_profile":[],"_wpsp_enable_custom_social_template":false,"_wpsp_social_scheduling":{"enabled":false,"datetime":null,"platforms":[],"status":"template_only","dateOption":"today","timeOption":"now","customDays":"","customHours":"","customDate":"","customTime":"","schedulingType":"absolute"},"_wpsp_active_default_template":true},"categories":[31840,19793,1503],"tags":[],"class_list":["post-305633","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-31840","category-19793","category-1503"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/www.ricacorp.com.cn\/articles\/wp-json\/wp\/v2\/posts\/305633","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.ricacorp.com.cn\/articles\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.ricacorp.com.cn\/articles\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.ricacorp.com.cn\/articles\/wp-json\/wp\/v2\/users\/53"}],"replies":[{"embeddable":true,"href":"https:\/\/www.ricacorp.com.cn\/articles\/wp-json\/wp\/v2\/comments?post=305633"}],"version-history":[{"count":4,"href":"https:\/\/www.ricacorp.com.cn\/articles\/wp-json\/wp\/v2\/posts\/305633\/revisions"}],"predecessor-version":[{"id":305681,"href":"https:\/\/www.ricacorp.com.cn\/articles\/wp-json\/wp\/v2\/posts\/305633\/revisions\/305681"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.ricacorp.com.cn\/articles\/wp-json\/wp\/v2\/media\/305634"}],"wp:attachment":[{"href":"https:\/\/www.ricacorp.com.cn\/articles\/wp-json\/wp\/v2\/media?parent=305633"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.ricacorp.com.cn\/articles\/wp-json\/wp\/v2\/categories?post=305633"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.ricacorp.com.cn\/articles\/wp-json\/wp\/v2\/tags?post=305633"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}