{"id":43,"date":"2017-01-31T08:30:25","date_gmt":"2017-01-31T16:30:25","guid":{"rendered":"https:\/\/www.santiagofinancial.com\/blog\/?p=43"},"modified":"2024-03-03T23:16:57","modified_gmt":"2024-03-04T07:16:57","slug":"glossary","status":"publish","type":"post","link":"https:\/\/www.santiagofinancial.com\/zh\/\u672f\u8bed\u8868\/","title":{"rendered":"\u672f\u8bed\u8868"},"content":{"rendered":"

\u8bc4\u4f30<\/span>:\u4f30\u4ef7\u5e08\u5bf9\u623f\u5c4b\u8fdb\u884c\u5b9e\u9645\u68c0\u67e5\u540e\u4f30\u7b97\u51fa\u7684\u623f\u5c4b\u4ef7\u503c\u3002\u5b83\u662f\u6839\u636e\u516c\u56ed\u6216\u793e\u533a\u8fc7\u53bb\u516d\u4e2a\u6708\u7684\u53ef\u6bd4\u9500\u552e\u60c5\u51b5\u8ba1\u7b97\u5f97\u51fa\u7684\uff0c\u5e76\u8003\u8651\u5230\u623f\u5c4b\u7684\u5b9e\u9645\u60c5\u51b5\u3002\u8be5\u4ef7\u503c\u4f1a\u5f71\u54cd\u8d37\u6b3e\u673a\u6784\u6279\u51c6\u4e70\u65b9\u7684\u8d37\u6b3e\u989d\u5ea6\u3002<\/p>\n

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\u7834\u4ea7<\/span>\u5f71\u54cd\u8d2d\u623f\u8005\u83b7\u5f97\u4eba\u9020\u623f\u5c4b\u8d37\u6b3e\u7684\u80fd\u529b\uff1a\u81ea\u89e3\u9664\u4e4b\u65e5\u8d77 7 \u81f3 10 \u5e74\u5185\uff0c\u8d2d\u623f\u8005\u83b7\u5f97\u4eba\u9020\u623f\u5c4b\u8d37\u6b3e\u7684\u80fd\u529b\u4f1a\u53d7\u5230\u5f71\u54cd\u3002\u5f71\u54cd\u9996\u4ed8\u8981\u6c42\u3002<\/p>\n

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\u8d2d\u4e70<\/span>:\u5982\u679c\u60a8\u7684\u4eb2\u621a\u6216\u670b\u53cb\u7684\u4fe1\u7528\u6bd4\u60a8\u597d\uff0c\u6216\u8005\u83b7\u5f97\u6279\u51c6\u7684\u673a\u4f1a\u66f4\u5927\uff0c\u60a8\u53ef\u4ee5\u8ba9\u4ed6\u4eec\u4ee3\u60a8\u8d2d\u4e70\u60a8\u60f3\u8981\u7684\u623f\u5c4b\u3002\u8fd9\u610f\u5473\u7740\u8d37\u6b3e\u548c\u4ea7\u6743\u5c06\u5728\u4ed6\u4eec\u7684\u540d\u4e0b\uff0c\u4f46\u60a8\u53ef\u4ee5\u4e0e\u4e70\u65b9\u51b3\u5b9a\u4e00\u4e2a\u4ed8\u6b3e\u8f6c\u79fb\u8ba1\u5212\uff0c\u5373\u60a8\u5c06\u6bcf\u6708\u4ed8\u6b3e\u7684\u94b1\u8d60\u9001\u7ed9\u4ed6\u4eec\uff0c\u518d\u7531\u4ed6\u4eec\u8f6c\u4ea4\u7ed9\u8d37\u6b3e\u4eba\u3002\u5728\u7533\u8bf7\u8d37\u6b3e\u4e4b\u524d\uff0c\u4e70\u65b9\u5fc5\u987b\u662f\u623f\u4e3b\uff0c\u6700\u4f4e\u9996\u4ed8\u6b3e\u4e3a\u9500\u552e\u4ef7\u683c\u7684 20%\u3002\u6b64\u5916\uff0c\u8fd8\u5fc5\u987b\u586b\u5199\u4e00\u4efd 1003 \u8868\u683c\uff0c\u63d0\u4f9b\u5c45\u4f4f\u8005\u7684\u4fe1\u606f\u3002<\/p>\n

\u5957\u73b0\u518d\u878d\u8d44<\/span>: \u4ee5\u73b0\u91d1\u5f62\u5f0f\u4ece\u623f\u5c4b\u4e2d\u63d0\u53d6\u8d44\u4ea7\uff0c\u7528\u4e8e\u623f\u5c4b\u88c5\u4fee\u4ee5\u53ca\u8d37\u6b3e\u4eba\u5141\u8bb8\u7684\u5176\u4ed6\u7528\u9014\u3002\u5ba2\u6237\u7684 FICO \u5206\u6570\u5fc5\u987b\u5728 700 \u5206\u4ee5\u4e0a\uff0c\u624d\u80fd\u83b7\u51c6\u8fdb\u884c\u5957\u73b0\u518d\u878d\u8d44\u3002\u9650\u989d\u4e3a $25,000\u3002<\/p>\n

\u73b0\u91d1\u7ed3\u8d26<\/span>:\u8d2d\u623f\u8005\u4e3a\u83b7\u5f97\u8d37\u6b3e\u800c\u5fc5\u987b\u652f\u4ed8\u7684\u9996\u4ed8\u6b3e\u603b\u989d\u3002\u5373\u9996\u4ed8\u6b3e\u3001\u6240\u6709\u975e\u878d\u8d44\u8fc7\u6237\u8d39\u3002<\/p>\n

\u52a8\u4ea7\u8d37\u6b3e\uff08\u6d88\u8d39\u8d37\u6b3e\uff09<\/span>:\u5728\u79df\u8d41\u6216\u79df\u7528\u4eba\u9020\u4f4f\u5b85\u56ed\u533a\u5185\u7684\u4eba\u9020\u4f4f\u5b85\u8d37\u6b3e\u3002<\/p>\n

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\u5171\u540c\u4e70\u65b9<\/span>:\u623f\u5c4b\u7684\u989d\u5916\u4e70\u4e3b\uff0c\u5728\u67d0\u4e9b\u60c5\u51b5\u4e0b\u53ef\u80fd\u6709\u591a\u4e2a\u5171\u540c\u4e70\u4e3b\u3002\u8054\u7f72\u4eba\u4e0e\u5171\u540c\u4e70\u65b9\u4e0d\u540c\u3002\u5171\u540c\u4e70\u65b9\u5bf9\u8d37\u6b3e\u627f\u62c5\u540c\u7b49\u7684\u8d22\u52a1\u8d23\u4efb\uff0c\u5e76\u9700\u8981\u4f4f\u5728\u623f\u5c4b\u4e2d\u3002\u800c\u5171\u540c\u7b7e\u7f72\u4eba\u53ea\u662f\u8d37\u6b3e\u7684\u62b5\u62bc\u54c1\u3002<\/p>\n

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\u8fd8\u4ef7<\/span>:\u6709\u65f6\u8d37\u6b3e\u4eba\u4f1a\u5bf9\u4e70\u65b9\u7684\u7533\u8bf7\u505a\u51fa\u8fd8\u4ef7\u3002\u8fd9\u610f\u5473\u7740\u8d37\u6b3e\u4eba\u613f\u610f\u8d37\u6b3e\u7ed9\u4e70\u65b9\uff0c\u4f46\u8d37\u6b3e\u989d\u5ea6\u4e0d\u540c\u6216\u6761\u4ef6\u6709\u53d8\u3002\u5723\u5730\u4e9a\u54e5\u91d1\u878d\u516c\u53f8\u6536\u5230\u540e\u5c06\u901a\u77e5\u4e70\u65b9\u6216\u4ee3\u7406\u4eba\u3002\u5982\u679c\u4e70\u65b9\u63a5\u53d7\u8fd8\u4ef7\uff0c\u5c06\u5411\u63a5\u53d7\u8fd8\u4ef7\u7684\u8d37\u65b9\u53d1\u9001\u590d\u51fd\u3002\u8d37\u65b9\u5c06\u5728 24 \u81f3 48 \u5c0f\u65f6\u5185\u53d1\u9001\u6279\u51c6\u4fe1\u606f\uff0c\u5468\u672b\u548c\u8282\u5047\u65e5\u9664\u5916\u3002<\/p>\n

\u4fe1\u7528\u62a5\u544a<\/span>:\u4e2a\u4eba\u8fc7\u53bb\u5982\u4f55\u507f\u8fd8\u4fe1\u8d37\u7684\u8bb0\u5f55\u3002\u7528\u4e8e\u663e\u793a\u5ba2\u6237\u7684\u4fe1\u7528\u5ea6\u3002<\/p>\n

\u4fe1\u7528\/FICO \u5206\u6570<\/span>:\u4ece\u4e2a\u4eba\u4fe1\u7528\u62a5\u544a\u4e2d\u5f97\u51fa\u7684\u6570\u5b57\u5206\u6570\uff0c\u8d37\u65b9\u548c\u7ecf\u7eaa\u4eba\u7528\u5b83\u6765\u8868\u793a\u5ba2\u6237\u507f\u8fd8\u8d37\u6b3e\u7684\u53ef\u80fd\u6027\u6709\u591a\u5927\u3002<\/p>\n

\u503a\u52a1\u6574\u5408\u518d\u878d\u8d44<\/span>:\u503a\u52a1\u5408\u5e76\u518d\u878d\u8d44\u662f\u6307\u5229\u7528\u60a8\u7684\u623f\u5c4b\u8d44\u4ea7\u6765\u4e00\u6b21\u507f\u8fd8\u503a\u52a1\uff0c\u800c\u4e0d\u662f\u591a\u6b21\u507f\u8fd8\u503a\u52a1\u3002\u4f8b\u5982\uff0c\u5982\u679c\u60a8\u6709\u4e09\u5f20\u4fe1\u7528\u5361\uff0c\u6bcf\u5f20\u90fd\u6709 $8,000 \u5143\uff0c\u90a3\u4e48\u503a\u52a1\u5408\u5e76\u5c06\u628a\u5b83\u4eec\u5408\u5e76\u4e3a $24,000 \u5143\u7684\u503a\u52a1\uff0c\u6309\u503a\u52a1\u6bd4\u4f8b\u4e00\u6b21\u507f\u8fd8\u3002\u5728\u7533\u8bf7\u8fc7\u7a0b\u4e2d\uff0c\u5ba2\u6237\u4f1a\u88ab\u95ee\u53ca\u5e0c\u671b\u5408\u5e76\u54ea\u4e9b\u503a\u52a1\u3002<\/p>\n

\u503a\u52a1\u6536\u5165\u6bd4 (DTI)<\/span><\/a>:\u5c06\u76ee\u524d\u7684\u503a\u52a1\u652f\u4ed8\u548c\u62df\u8d2d\u4e70\u7684\u623f\u5c4b\u4e0e\u4e70\u65b9\u7684\u6536\u5165\uff08\u8d26\u5355\u3001\u8d37\u6b3e\u652f\u4ed8\u3001\u5b50\u5973\u629a\u517b\u8d39\u3001\u8d61\u517b\u8d39\u7b49\uff09\u8fdb\u884c\u6bd4\u8f83\uff0c\u4ee5\u5e2e\u52a9\u786e\u5b9a\u7533\u8bf7\u4eba\u7684\u8d37\u6b3e\u8d44\u683c\u3002<\/p>\n

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\u6258\u7ba1<\/span>:\u6258\u7ba1\u516c\u53f8\u662f\u4e70\u5356\u53cc\u65b9\u4e4b\u95f4\u7684\u4e2d\u7acb\u7b2c\u4e09\u65b9\uff0c\u8d1f\u8d23\u8c03\u89e3\u623f\u5c4b\u4e70\u5356\u4e2d\u6d89\u53ca\u7684\u8d44\u91d1\u95ee\u9898\u3002\u6258\u7ba1\u662f\u6307\u4ece\u7b7e\u7f72\u8d2d\u623f\u534f\u8bae\u5230\u8d37\u6b3e\u7ed3\u6e05\u4e4b\u95f4\u7684\u4e00\u6bb5\u65f6\u95f4\u3002<\/p>\n

\u4f30\u8ba1\u7ed3\u7b97\u62a5\u8868<\/span>:\u7531\u6258\u7ba1\u673a\u6784\u63d0\u4f9b\uff0c\u6982\u8ff0\u4e70\u5356\u53cc\u65b9\u7684\u6240\u6709\u8d39\u7528\u3002\u786e\u5b9a\u4e70\u65b9\u7684\u6210\u4ea4\u73b0\u91d1\u603b\u989d\u3002<\/p>\n

\u793c\u7269\u4fe1<\/a><\/span>:\u5982\u679c\u9996\u4ed8\u6b3e\u7684\u4efb\u4f55\u90e8\u5206\u4e3a\u8d60\u4e0e\uff0c\"\u8d60\u4e0e\u4eba \"\u5fc5\u987b\u586b\u5199\u672c\u8868\u5e76\u7b7e\u540d\u548c\u6ce8\u660e\u65e5\u671f\u3002<\/p>\n

\u4f4f\u623f\u6bd4\u4f8b<\/span><\/a>:\u4ee5\u767e\u5206\u6bd4\u8868\u793a\u7684\u9884\u8ba1\u6bcf\u6708\u6309\u63ed\u4ed8\u6b3e\u548c\u4efb\u4f55\u7a7a\u95f4\u79df\u91d1\/HOA \u8d39\u7528\u4e0e\u4e70\u65b9\u6536\u5165\u7684\u6bd4\u8f83\u3002<\/p>\n

\u4f4f\u623f\u548c\u57ce\u5e02\u53d1\u5c55\u90e8<\/span>:1976 \u5e74 6 \u6708 13 \u65e5\u4e4b\u540e\u5efa\u9020\u7684\u6d3b\u52a8\u623f\u5c4b\u3002<\/p>\n

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Appraisal: The amount the home is estimated to be worth by an appraiser\u2019s physical inspection of the home. It is calculated using comparable sales for the last six months in the park or community and takes into account physical aspects of the home. This value affects the loan amount our lenders approve the buyer(s) for. 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