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\u3000\u3000\u8981\u70b9 1 \u201c\u53cd\u5411\u6309\u63ed\u201d\u7684\u80cc\u540e\u771f\u5b9e\u9a71\u52a8\u529b<\/p>\n\n\n\n
\u3000\u3000\u672c\u6587\u8bd5\u56fe\u628a\u653f\u5e9c\u63a8\u884c\u201c\u53cd\u5411\u4f4f\u623f\u6309\u63ed\u201d\u4f5c\u4e3a\u4e00\u9879\u516c\u5171\u653f\u7b56\u521b\u65b0\u6848\u4f8b\u6765\u770b\u5f85\uff0c\u8fd0\u7528\u516c\u5171\u653f\u7b56\u5b66\u4e2d\u7684\u7ecf\u5178MOR\u7406\u8bba\u6846\u67b6(Mohr 1969)\uff0c\u6765\u5ba1\u89c6\u653f\u7b56\u4e3b\u5bfc\u8005\u63a8\u51fa\u8fd9\u9879\u516c\u5171\u653f\u7b56\u80cc\u540e\u7684\u52a8\u673a\u3001\u6240\u9762\u4e34\u7684\u963b\u529b\u548c\u653f\u7b56\u521b\u65b0\u8005\u6240\u62e5\u6709\u7684\u53ef\u4ee5\u7528\u6765\u514b\u670d\u963b\u529b\u7684\u8d44\u6e90\uff0c\u4ece\u800c\u66f4\u6df1\u5c42\u6b21\u6765\u7406\u89e3\u8fd9\u9879\u653f\u7b56\u521b\u65b0\u7684\u5b9e\u8d28\u5e76\u9884\u6d4b\u5176\u53d1\u5c55\u8d8b\u52bf\u3002<\/p>\n\n\n\n
\u3000\u3000\u76d8\u6d3b\u4f4f\u623f\u5b58\u91cf<\/p>\n\n\n\n
\u3000\u3000\u653f\u5e9c\u73b0\u5728\u91cd\u63d0\u201c\u4ee5\u623f\u517b\u8001\u201d\u548c\u201c\u53cd\u5411\u4f4f\u623f\u6309\u63ed\u201d\uff0c\u6700\u76f4\u63a5\u7684\u4f5c\u7528\u5c31\u662f\u76d8\u6d3b\u4f4f\u623f\u5b58\u91cf\uff0c\u4f7f\u5927\u6279\u95f2\u7f6e\u7684\u6b7b\u7684\u5b9e\u7269\u8d44\u4ea7\u8f6c\u5316\u6210\u6d41\u52a8\u6027\u5f3a\u7684\u6d3b\u8d77\u6765\u7684\u91d1\u878d\u8d44\u4ea7\u3002\u800c\u6709\u4e86\u8fd9\u4e2a\u878d\u8d44\u9700\u6c42\uff0c\u94f6\u884c\u5c31\u53ef\u4ee5\u6709\u6807\u7684\u7269\u8fdb\u884c\u8d37\u6b3e\u53d1\u653e\uff0c\u589e\u52a0\u91d1\u878d\u5e02\u573a\u6d41\u52a8\u6027\u3002<\/p>\n\n\n\n
\u3000\u3000\u63a8\u884c\u53cd\u5411\u4f4f\u623f\u6309\u63ed\uff0c\u53ef\u770b\u505a\u662f\u4e2d\u56fd\u7ecf\u6d4e\u7ee7\u7eed\u91d1\u878d\u6df1\u5316\u7684\u4e00\u90e8\u5206\u30021990\u5e74\u4ee3\u623f\u6539\u5b9e\u73b0\u4ece\u798f\u5229\u5206\u623f\u5230\u8d27\u5e01\u5206\u623f\uff0c\u5b9e\u8d28\u5c31\u662f\u91d1\u878d\u6df1\u5316\u8fc7\u7a0b\u3002\u4e2d\u56fdM2\/GDP\u7684\u6bd4\u503c\u4ece1995\u5e74\u7684100%\u7a81\u98de\u731b\u8fdb\u52302000\u5e74\u7684140%\uff0c\u518d\u5230\u73b0\u5728\u7684190%\u4e4b\u591a\uff0c\u5f88\u5927\u4e00\u90e8\u5206\u662f\u4f4f\u623f\u3001\u6559\u80b2\u3001\u793e\u4fdd\u8fd9\u4e9b\u539f\u5148\u5b9e\u7269\u6216\u514d\u8d39\u63d0\u4f9b\u7684\u7269\u54c1\u548c\u52b3\u52a1\uff0c\u8fdb\u5165\u5e02\u573a\uff0c\u88ab\u8d27\u5e01\u5316\u3001\u91d1\u878d\u5316\u30021998\u5e74\u4e2a\u4eba\u4f4f\u623f\u6309\u63ed\u7684\u51fa\u73b0\uff0c\u5728\u8fd9\u4e2a\u8fc7\u7a0b\u4e2d\u8d77\u5230\u5173\u952e\u4f5c\u7528\u3002\u8fd9\u4e2a\u8d44\u6e90\u914d\u7f6e\u65b9\u5f0f\u7684\u91cd\u7ec4\uff0c\u5bf9\u8d44\u6e90\u914d\u7f6e\u6548\u7387\u548c\u793e\u4f1a\u798f\u5229\u7684\u6539\u53d8\u6709\u591a\u5927\u662f\u53ef\u4ee5\u518d\u8ba8\u8bba\u7684\uff0c\u4f46\u521b\u9020\u4e86\u5927\u91cf\u76f4\u63a5\u5c31\u4e1a\u673a\u4f1a\u3001\u63a8\u52a8GDP\uff08\u56fd\u5185\u751f\u4ea7\u603b\u503c\uff09\u589e\u957f\u5374\u65e0\u53ef\u7f6e\u7591\u3002<\/p>\n\n\n\n
\u3000\u3000\u4f4f\u623f\u53cd\u5411\u6309\u63ed\u91cd\u8981\u76ee\u6807\u662f\u52a9\u63a8\u91d1\u878d\u521b\u65b0\u3002\u4e2d\u56fd\u91d1\u878d\u4e1a\u57281998\u5e74\u540e\u653e\u5f00\u4e2a\u4eba\u4f4f\u623f\u6309\u63ed\u8d37\u6b3e\u4e4b\u540e\uff0c\u957f\u671f\u6ca1\u6709\u4e0e\u8001\u767e\u59d3\u5bc6\u5207\u76f8\u5173\u7684\u91cd\u5927\u91d1\u878d\u521b\u65b0\u3002\u5982\u679c\u201c\u53cd\u5411\u6309\u63ed\u201d\u4e00\u65e6\u505a\u8d77\u6765\uff0c\u5c06\u4ee5\u70b9\u5e26\u9762\uff0c\u5927\u5927\u523a\u6fc0\u76f8\u5173\u7684\u91d1\u878d\u884d\u751f\u54c1\uff0c\u4f8b\u5982\u89e6\u53d1\u8d44\u4ea7\u8bc1\u5238\u5316\uff0c\u4fdd\u9669\u4e5f\u5c06\u66f4\u52a0\u5f00\u653e\uff0c\u751a\u81f3\u4e0e\u81ea\u8d38\u533a\u8bd5\u70b9\u7ed3\u5408\uff0c\u52a0\u5feb\u5229\u7387\u5e02\u573a\u5316\u548c\u4eba\u6c11\u5e01\u81ea\u7531\u5151\u6362\uff0c\u8fdb\u800c\u52a9\u63a8\u5168\u9762\u91d1\u878d\u521b\u65b0\u4e0e\u6539\u9769\u3002
\u201c\u53cd\u5411\u6309\u63ed\u201d\u66f4\u76f4\u63a5\u7684\u4f5c\u7528\u662f\uff0c\u6b7b\u94b1\u53d8\u6d3b\u94b1\uff0c\u62c9\u52a8\u6d88\u8d39\u3002\u8fd9\u4e5f\u7b26\u5408\u672c\u5c4a\u653f\u5e9c\u4e3b\u8981\u9886\u5bfc\u4eba\u5f3a\u8c03\u7684\u201c\u5341\u4e8c\u4e94\u201d\u671f\u95f4\u6700\u5927\u4efb\u52a1\u662f\u523a\u6fc0\u5185\u9700\u7684\u5b97\u65e8\u3002<\/p>\n\n\n\n
\u3000\u3000\u4f4f\u623f\u53cd\u5411\u6309\u63ed\uff0c\u662f\u4e00\u9879\u623f\u5730\u4ea7\u5236\u5ea6\u521b\u65b0\u3002\u5728\u7f8e\u56fd\uff0c\u4f4f\u623f\u53cd\u5411\u6309\u63ed\u4e3b\u8981\u662f\u7531\u7f8e\u56fd\u8054\u90a6\u653f\u5e9c\u4f4f\u623f\u548c\u57ce\u5e02\u53d1\u5c55\u7f72(HUD)\u8fdb\u884c\u76d1\u7ba1\u3001\u7531\u5176\u4e0b\u5c5e\u7f8e\u56fd\u8054\u90a6\u4f4f\u623f\u7ba1\u7406\u5c40(FHA)\u8fdb\u884c\u8fdd\u7ea6\u4fdd\u9669\uff0c\u800c\u4e0d\u662f\u7531\u517b\u8001\u76f8\u5173\u7684\u653f\u5e9c\u673a\u6784\u6765\u4e3b\u6301\uff0c\u5c31\u662f\u4e00\u4e2a\u4f8b\u8bc1\u3002\u7531\u7f8e\u56fdFHA\u63d0\u4f9b\u4fdd\u9669\u7684\u201c\u4f4f\u5b85\u51c0\u503c\u8f6c\u6362\u6309\u63ed\u201d(HECM\uff0cHome Equity Conversion Mortgage)\u5360\u5168\u7f8e\u53cd\u5411\u6309\u63ed\u5e02\u573a\u768490%\u4ee5\u4e0a\u3002<\/p>\n\n\n\n
\u3000\u3000\u7a33\u5b9a\u5730\u65b9\u623f\u5730\u4ea7\u5e02\u573a<\/p>\n\n\n\n
\u3000\u3000\u73b0\u65f6\u63d0\u51fa\u8fd9\u4e2a\u653f\u7b56\uff0c\u4e5f\u662f\u5bf9\u623f\u5730\u4ea7\u5e02\u573a\u53d1\u51fa\u4e00\u4e2a\u4fe1\u53f7\uff0c\u5e0c\u671b\u623f\u4ef7\u4fdd\u6301\u76f8\u5bf9\u7a33\u5b9a\u3002\u5982\u679c\u623f\u4ef7\u8fc7\u5feb\u589e\u957f\uff0c\u90a3\u4e48\u5c45\u6c11\u5c06\u589e\u503c\u9884\u671f\u5f88\u5f3a\u7684\u4f4f\u623f\u53bb\u62b5\u62bc\u6765\u7533\u8bf7\u53cd\u5411\u6309\u63ed\u7684\u610f\u613f\u5c31\u4f1a\u5f88\u4f4e\uff1b\u4f46\u5982\u679c\u623f\u4ef7\u51fa\u73b0\u4e0b\u8dcc\u8d8b\u52bf\uff0c\u90a3\u94f6\u884c\u5c31\u4e0d\u4f1a\u6709\u79ef\u6781\u6027\u63d0\u4f9b\u53cd\u5411\u6309\u63ed\u4ea7\u54c1\u3002<\/p>\n\n\n\n
\u3000\u3000\u53d1\u5c55\u4f4f\u623f\u53cd\u5411\u6309\u63ed\uff0c\u4ece\u957f\u8fdc\u770b\uff0c\u5c31\u662f\u52a0\u5feb\u4f4f\u623f\u8d44\u6e90\u7684\u5faa\u73af\u5229\u7528\uff0c\u4fdd\u6301\u4f4f\u623f\u7684\u6301\u7eed\u9700\u6c42\u3002\u5305\u62ec\u8d22\u653f\u90e8\u6709\u5b98\u5458\u66fe\u8868\u793a\u8981\u5bf9\u6309\u63ed\u8fd8\u6b3e\u652f\u51fa\u8fdb\u884c\u7a0e\u524d\u62b5\u6263\uff0c\u90fd\u662f\u9632\u6b62\u697c\u5e02\u56e0\u4e3a\u8fdb\u5165\u8001\u9f84\u5316\u800c\u8fc7\u5feb\u51fa\u73b0\u6ed1\u843d\uff0c\u9020\u6210\u7cfb\u7edf\u6027\u5371\u673a\u3002\u6240\u4ee5\u8fd9\u6b21\u653f\u7b56\u4e00\u51fa\u6765\uff0c\u4e0d\u4ec5\u4e2d\u592e\u653f\u5e9c\uff0c\u5f88\u591a\u5730\u65b9\u653f\u5e9c\u90fd\u8868\u73b0\u51fa\u5f88\u9ad8\u7684\u79ef\u6781\u6027\u3002\u5bf9\u7a33\u5b9a\u5730\u65b9\u697c\u5e02\u662f\u5229\u597d\u3002<\/p>\n\n\n\n
\u3000\u3000\u53cd\u5411\u6309\u63ed\u8fd8\u6709\u5229\u653f\u5e9c\u6301\u7eed\u8fdb\u884c\u57ce\u5e02\u66f4\u65b0\u3002\u5c06\u623f\u4ea7\u62b5\u62bc\u7ed9\u94f6\u884c\uff0c\u62b5\u62bc\u671f\u7ed3\u675f\u6216\u5c45\u4f4f\u8005\u8fc7\u4e16\u540e\u94f6\u884c\u5c06\u83b7\u5f97\u4f4f\u623f\u8f6c\u552e\u7ed9\u5730\u65b9\u653f\u5e9c\u7684\u571f\u5730\u50a8\u5907\u4e2d\u5fc3\uff0c\u653f\u5e9c\u65e7\u533a\u6539\u9020\u7684\u96be\u5ea6\u4f1a\u5927\u5927\u51cf\u5c11\uff0c\u76f8\u5f53\u4e8e\u5e02\u4e2d\u5fc3\u571f\u5730\u8d44\u6e90\u53ef\u4ee5\u88ab\u4e00\u6b21\u53c8\u4e00\u6b21\u518d\u5f00\u53d1\u548c\u5faa\u73af\u5229\u7528\uff0c\u653f\u5e9c\u571f\u5730\u8d22\u653f\u6709\u4e86\u957f\u671f\u6027\u4fdd\u969c\u3002<\/p>\n\n\n\n
\u3000\u3000\u589e\u52a0\u517b\u8001\u8d44\u91d1\u6765\u6e90<\/p>\n\n\n\n
\u3000\u3000\u56de\u5230\u517b\u8001\u672c\u8eab\uff0c\u4ee5\u623f\u517b\u8001\u5c3d\u7ba1\u4e0d\u80fd\u63a8\u5378\u653f\u5e9c\u517b\u8001\u8d23\u4efb\uff0c\u4f46\u786e\u5b9e\u80fd\u51cf\u5c11\u653f\u5e9c\u5728\u517b\u8001\u95ee\u9898\u4e0a\u7684\u538b\u529b\u3002<\/p>\n\n\n\n
\u3000\u3000\u4ee5\u623f\u517b\u8001-\u4f4f\u623f\u53cd\u5411\u62b5\u62bc\uff0c\u9996\u5148\u662f\u4e00\u9879\u623f\u5730\u4ea7\u653f\u7b56\u521b\u65b0\uff0c\u5176\u6b21\u662f\u4e00\u9879\u91d1\u878d\u653f\u7b56\u521b\u65b0\uff0c\u7b2c\u4e09\u662f\u523a\u6fc0\u7ecf\u6d4e\u589e\u957f\u653f\u7b56\u521b\u65b0\uff0c\u6700\u540e\u624d\u662f\u517b\u8001\u653f\u7b56\u521b\u65b0\u3002\u4ece\u5177\u4f53\u627f\u529e\u90e8\u95e8\u6765\u770b\uff0c\u5e94\u8be5\u662f\u7531\u4f4f\u5efa\u90e8\u6765\u7275\u5934\uff0c\u94f6\u76d1\u4f1a\u3001\u4fdd\u76d1\u4f1a\u6765\u5171\u540c\u8bbe\u8ba1\u5236\u5b9a\u4f4f\u623f\u53cd\u5411\u6309\u63ed\u4ea7\u54c1\u53ca\u5176\u8fdd\u7ea6\u4fdd\u9669\u7684\u89c4\u7ae0\u5236\u5ea6\uff0c\u5e76\u6811\u7acb\u76f8\u5173\u7684\u76d1\u7ba1\u4f53\u7cfb\u3002\u6c11\u653f\u90e8\u5728\u8fd9\u4e2a\u65b9\u9762\u5e94\u8be5\u662f\u53c2\u4e0e\u548c\u914d\u5408\u7684\u89d2\u8272\uff0c\u505a\u597d\u5e02\u573a\u65e0\u6cd5\u505a\u7684\u57fa\u672c\u517b\u8001\u4fdd\u969c\u3002<\/p>\n\n\n\n
\u3000\u3000\u7efc\u5408\u4ee5\u4e0a\u89c6\u89d2\uff0c\u4f4f\u623f\u53cd\u5411\u6309\u63ed\uff0c\u653f\u5e9c\u4f1a\u4e0b\u76f8\u5f53\u51b3\u5fc3\u53bb\u63a8\u52a8\u3002\u56e0\u4e3a\u5bf9\u5b9e\u73b0\u623f\u5730\u4ea7\u5e02\u573a\u53ef\u6301\u7eed\u53d1\u5c55\u3001\u5bf9\u6269\u5927\u5185\u9700\u3001\u5bf9\u91d1\u878d\u521b\u65b0\u6539\u9769\u548c\u63a8\u529b\u7ecf\u6d4e\u589e\u957f\u90fd\u6709\u76f8\u5f53\u5927\u7684\u6218\u7565\u610f\u4e49\u3002<\/p>\n\n\n\n
\u3000\u3000 \u8981\u70b9 2 \u201c\u53cd\u5411\u6309\u63ed\u201d\u963b\u529b\u5728\u54ea\u91cc<\/p>\n\n\n\n
\u3000\u3000\u53cd\u5411\u4f4f\u623f\u6309\u63ed\u5df2\u4e0d\u662f\u65b0\u9c9c\u540d\u8bcd\uff0c\u57282004\u5e74\u5c31\u6709\u4e0d\u5c11\u4eba\u5927\u4ee3\u8868\u548c\u653f\u534f\u59d4\u5458\u5411\u56fd\u52a1\u9662\u63d0\u8bae\u5f00\u5c55\u57fa\u4e8e\u53cd\u5411\u4f4f\u623f\u6309\u63ed\u7684\u4ee5\u623f\u517b\u8001\uff0c2007\u5e74\u4e0a\u6d77\u4f4f\u623f\u516c\u79ef\u91d1\u4e2d\u5fc3\u4e5f\u66fe\u529b\u63a8\u201c\u4ee5\u623f\u517b\u8001\u201d\u8bd5\u70b9\u5de5\u4f5c\uff0c\u4e0d\u5c11\u5176\u4ed6\u5730\u65b9\u4e5f\u90fd\u66fe\u52aa\u529b\u5c1d\u8bd5\u8fc7\uff0c\u4f46\u90fd\u65e0\u75be\u800c\u7ec8\uff0c\u56f0\u96be\u91cd\u91cd\u3002\u63a8\u884c\u96be\u7684\u6839\u672c\u539f\u56e0\u5728\u4e8e\u5bf9\u8be5\u9879\u4ea7\u54c1\u7684\u9700\u6c42\u4e0e\u4f9b\u7ed9\u90fd\u4e0d\u8db3\u3002<\/p>\n\n\n\n
\u3000\u3000 \u5b50\u5973\u666e\u904d\u53cd\u5bf9\u62b5\u62bc<\/p>\n\n\n\n
\u3000\u3000\u4ece\u9700\u6c42\u89d2\u5ea6\u770b\uff0c\u9700\u6c42\u65b9\u9762\u6700\u5927\u7684\u963b\u529b\u6765\u81ea\u8001\u5e74\u4eba\u5bb6\u5ead\u5185\u90e8\u3002\u5b50\u5973\u4e0d\u613f\u610f\u653e\u5f03\u7236\u6bcd\u7684\u623f\u4ea7\uff0c\u5e0c\u671b\u8fc7\u4e16\u540e\u80fd\u81ea\u7136\u7ee7\u627f\u3002\u4e2d\u56fd\u5927\u591a\u6570\u8001\u5e74\u4eba\u81ea\u8eab\u4e5f\u6709\u5f3a\u70c8\u7684\u9988\u8d60\u52a8\u673a\uff0c\u5e0c\u671b\u7ed9\u5b50\u5973\u5c3d\u53ef\u80fd\u652f\u6301\uff0c\u540c\u65f6\u5927\u591a\u6570\u8ba4\u4e3a\u5e94\u8be5\u9760\u5b50\u5973\u6765\u517b\u8001\u3002\u8fd9\u4e9b\u56e0\u7d20\u90fd\u5bfc\u81f4\u5bf9\u53cd\u5411\u6309\u63ed\u7684\u9700\u6c42\u51e0\u4e4e\u6ca1\u6709\u3002<\/p>\n\n\n\n
\u3000\u3000\u4ece\u4f9b\u7ed9\u89d2\u5ea6\u770b\uff0c\u623f\u4ef7\u98ce\u9669\u3001\u5229\u7387\u98ce\u9669\u3001\u8001\u5e74\u4eba\u623f\u5c4b\u4ea7\u6743\u96be\u4ee5\u786e\u6743\u53ca70\u5e74\u4ea7\u6743\u89c4\u5b9a\u7b49\u5236\u5ea6\u6027\u56e0\u7d20\u90fd\u6291\u5236\u4e86\u94f6\u884c\u7b49\u91d1\u878d\u673a\u6784\u63d0\u4f9b\u53cd\u5411\u6309\u63ed\u4ea7\u54c1\u7684\u79ef\u6781\u6027\u3002\u540c\u65f6\u672c\u8eab\u94f6\u884c\u4f20\u7edf\u4e1a\u52a1\u5229\u6da6\u4e30\u539a\uff0c\u65e0\u52a8\u529b\u521b\u65b0\u3002<\/p>\n\n\n\n
\u3000\u3000 \u53cd\u5411\u6309\u63ed\u4ea7\u54c1\u8bbe\u8ba1\u6709\u5c40\u9650<\/p>\n\n\n\n
\u3000\u3000\u76ee\u524d\u56fd\u9645\u4e0a\u4e3b\u6d41\u7684\u53cd\u5411\u6309\u63ed\u4ea7\u54c1\u672c\u8eab\u8bbe\u8ba1\u4e0a\u4e5f\u6709\u4e0d\u5c11\u5c40\u9650\u3002<\/p>\n\n\n\n
\u3000\u3000\u53cd\u5411\u6309\u63ed\u7684\u8fdb\u5165\u95e8\u69db\u8f83\u9ad8\uff0c\u666e\u901a\u4eba\u96be\u4ee5\u8fdb\u5165\u3002\u5373\u4f7f\u7f8e\u56fd\u8054\u90a6\u4f4f\u623f\u7ba1\u7406\u5c40(FHA)\u63d0\u4f9b\u4fdd\u9669\u7684\u201c\u4f4f\u5b85\u51c0\u503c\u8f6c\u6362\u6309\u63ed\u201d (HECM)\u65b9\u6848\uff0c\u4e5f\u6709\u5f88\u591a\u51c6\u5165\u95e8\u69db\uff1a\u6bd4\u5982\uff1a1.\u53cd\u5411\u6309\u63ed\u4eba\u5fc5\u987b\u5e74\u6ee162\u5c81\uff1b2.\u623f\u5b50\u5df2\u8fd8\u6e05\u503a\u52a1\uff1b3.\u623f\u4ea7\u5fc5\u987b\u4e3a\u4e3b\u8981\u4f4f\u623f\uff0c\u62b5\u62bc\u671f\u95f4\u5b9e\u9645\u5c45\u4f4f\uff1b4.\u5177\u6709\u4e00\u5b9a\u884c\u4e3a\u80fd\u529b\u548c\u8d44\u4fe1\u8bc4\u7ea7\uff0c\u5b8c\u6210\u4e00\u7cfb\u5217\u51c6\u5907\u5de5\u4f5c\u3002\u5982\u8981\u4e8b\u5148\u63a5\u53d7\u6309\u63ed\u987e\u95ee\u8f85\u5bfc\uff0c\u627e\u4f30\u4ef7\u5e08\u5bf9\u623f\u4ea7\u8fdb\u884c\u8bc4\u4f30\uff0c\u8bf7\u623f\u5c4b\u73b0\u573a\u52d8\u6d4b\uff0c\u505a\u5f8b\u5e08\u54a8\u8be2\u548c\u4ea7\u6743\u8bc1\u660e\uff0c\u529e\u7406\u623f\u5c4b\u8d22\u4ea7\u4fdd\u9669\uff0c\u901a\u8fc7\u4e13\u4e1a\u6309\u63ed\u4fdd\u9669\u516c\u53f8\u8bc4\u4f30\u540e\u624d\u80fd\u7533\u62a5\u3002\u6240\u4ee5\u4e00\u5f00\u59cb\u7533\u62a5\u5c31\u6709\u4e0d\u5c11\u76f8\u5173\u6742\u8d39\uff0c\u5982\u6309\u63ed\u4e1a\u52a1\u5f00\u529e\u8d39(Origination fee)\u5c31\u81f3\u5c112500\u7f8e\u5143\u6216\u66f4\u591a\u3002\u53e6\u5916\uff0c\u623f\u5c4b\u6700\u9ad8\u4f30\u503c\u6709\u4e0a\u9650(2013\u5e74\u4e3a62.5\u4e07\u7f8e\u5143)\uff0c\u6700\u9ad8\u7684\u53cd\u5411\u6309\u63ed\u53ef\u8d37\u91d1\u989d\u4e5f\u5b58\u5728\u4e0a\u9650(2006\u5e74\u4e3a36.3\u4e07\u7f8e\u5143)\u3002<\/p>\n\n\n\n
\u53cd\u5411\u6309\u63ed\u672c\u8eab\u4e5f\u5f88\u590d\u6742\uff0c\u5b58\u5728\u4e0d\u5c11\u653e\u6b3e\u4eba\u6076\u610f\u6b3a\u8bc8\u7684\u6848\u4f8b\u3002\u4ece\u4ed8\u6b3e\u89d2\u5ea6\uff0c\u53cd\u5411\u6309\u63ed\u6700\u57fa\u672c\u7684\u5c31\u67095\u79cd\u65b9\u6cd5\uff1a\u5206\u522b\u662f\uff1a\u4e00\u6b21\u6027\u53d1\u653e\u5168\u90e8\u8d37\u6b3e(lump sum)\u3001\u62b5\u62bc\u671f\u95f4\u968f\u65f6\u53ef\u4ee5\u63d0\u53d6\u4efb\u610f\u7684\u4fe1\u8d37\u989d\u5ea6(line of credit)\u3001\u6bcf\u4e2a\u6708\u53d1\u653e\u56fa\u5b9a\u4ed8\u6b3e\u2014\u2014\u53c8\u533a\u5206\u56fa\u5b9a\u5e74\u9650\u53d1\u653e(term option)\u548c\u4e00\u76f4\u53d1\u653e\u5230\u62b5\u62bc\u4eba\u8fc7\u4e16\u4e3a\u6b62(tenure option)\uff0c\u8fd8\u6709\u7684\u662f\u4ee5\u4e0a\u51e0\u79cd\u65b9\u5f0f\u7684\u4e0d\u540c\u7ec4\u5408\u3002\u7136\u540e\u4e00\u822c\u53c8\u5141\u8bb8\u62b5\u62bc\u6709\u6548\u671f\u95f4\u968f\u65f6\u8f6c\u6362\u4ed8\u6b3e\u65b9\u5f0f\uff0c\u53ea\u8981\u7f34\u7eb3\u4e00\u7b1420\u7f8e\u5143\u7684\u8d39\u7528\u3002\u7136\u540e\u8fd8\u53ef\u4ee5\u968f\u65f6\u63a8\u51fa\u548c\u4e2d\u65ad\u3002\u7279\u522b\u4e00\u6b21\u6027\u653e\u6b3e\u7684\u53cd\u5411\u6309\u63ed\uff0c\u5f80\u5f80\u88ab\u4e0d\u5c11\u8001\u4eba\u77ed\u671f\u5185\u5c31\u6325\u970d\u6389\uff0c\u5f88\u5feb\u9677\u5165\u8d2b\u56f0\u3002<\/p>\n\n\n\n
\u3000\u3000\u53cd\u5411\u6309\u63ed\u8d22\u52a1\u6210\u672c\u4e0d\u83f2\u3002\u4ece\u53cd\u5411\u6309\u63ed\u672c\u8eab\u673a\u5236\u6765\u770b\uff0c\u7531\u4e8e\u4e0d\u50cf\u666e\u901a\u6309\u63ed\u90a3\u6837\u968f\u7740\u8fd8\u6b3e\u800c\u4e0d\u65ad\u51cf\u5c11\u8d37\u6b3e\u672c\u91d1\u548c\u5229\u606f\uff0c\u524d\u671f\u7684\u8d37\u6b3e\u5229\u606f\u4e0d\u65ad\u5229\u6eda\u5229\uff0c\u540e\u9762\u7684\u8d37\u6b3e\u5229\u606f\u5c31\u50cf\u6c14\u7403\u4e00\u6837\u7206\u53d1\uff0c\u8d37\u6b3e\u5468\u671f\u8f83\u957f\u7684\u62b5\u62bc\u4eba\u8d22\u52a1\u8d1f\u62c5\u5f88\u5927\u3002\u800c\u4e14\u7531\u4e8e\u8d37\u6b3e\u671f\u9650\u8f83\u957f\uff0c\u4e0d\u5b58\u5728\u56fa\u5b9a\u5229\u7387\uff0c\u90fd\u662f\u6d6e\u52a8\u5229\u7387\uff0c\u6240\u4ee5\u6309\u63ed\u4eba\u548c\u653e\u6b3e\u4eba\u7684\u98ce\u9669\u90fd\u5f88\u5927\u3002\u7f8e\u56fdHECM\u8d37\u6b3e\u5229\u7387\u5e38\u5e74\u57286%\uff5e8%\uff0c\u8fdc\u9ad8\u4e8e\u666e\u901a\u6309\u63ed\u5229\u7387\u3002<\/p>\n\n\n\n
\u3000\u3000\u53cd\u5411\u6309\u63ed\u516c\u5e73\u5b9a\u4ef7\u96be\u3002\u4f4f\u623f\u672c\u8eab\u5c31\u5f02\u8d28\u6027\u5f3a\uff0c\u5730\u533a\u5dee\u5f02\u5927\uff0c\u5468\u671f\u6027\u5f3a\uff0c\u666e\u901a\u6309\u63ed\u7684\u5b9a\u4ef7\u5408\u7406\u90fd\u5f88\u96be\uff0c\u800c\u8001\u5e74\u4eba\u5065\u5eb7\u60c5\u51b5\u4e0d\u7a33\u5b9a\uff0c\u62b5\u62bc\u4eba\u548c\u653e\u6b3e\u4eba\u4e4b\u95f4\u7684\u4fe1\u606f\u4e25\u91cd\u4e0d\u5bf9\u79f0\uff0c\u66f4\u52a0\u4f7f\u516c\u5e73\u5408\u7406\u7684\u8d37\u6b3e\u5b9a\u4ef7\u5341\u5206\u56f0\u96be\u3002<\/p>\n\n\n\n
\u3000\u3000 \u53d1\u8fbe\u5e02\u573a\u4ea6\u63a8\u8fdb\u7f13\u6162<\/p>\n\n\n\n
\u3000\u3000\u57fa\u4e8e\u4ee5\u4e0a\u95ee\u9898\uff0c\u7f8e\u56fd\u8054\u90a6\u4f4f\u623f\u7ba1\u7406\u5c40(FHA)\u4ece1987\u5e74\u8fd0\u884cHECM\u4e00\u5f00\u59cb\u5c31\u8981\u6c42HECM\u62b5\u62bc\u4eba\u5fc5\u987b\u53ea\u80fd\u4eceFHA\u8ba4\u5b9a\u7684\u5408\u683c\u6309\u63ed\u516c\u53f8\u90a3\u91cc\u8d2d\u4e70\u6309\u63ed\uff0c\u7136\u540e\u62b5\u62bc\u4eba\u548c\u6309\u63ed\u516c\u53f8\u90fd\u5fc5\u987b\u4eceFHA\u8d2d\u4e70\u6309\u63ed\u4fdd\u9669\uff0c\u76f8\u5f53\u4e8eFHA\u5b9e\u884c\u53cc\u5411\u4fdd\u9669\u3002<\/p>\n\n\n\n
\u3000\u3000FHA\u6309\u63ed\u4fdd\u9669\u7684\u529f\u80fd\u662f\uff0c\u4e00\u65b9\u9762\u4fdd\u969c\u62b5\u62bc\u4eba\u5728\u653e\u6b3e\u4eba\u574f\u8d26\u7684\u65f6\u5019\u4ecd\u7136\u6536\u5230\u9884\u671f\u4ed8\u6b3e\uff0c\u4e00\u65b9\u9762\u4fdd\u969c\u62b5\u62bc\u4eba\u574f\u8d26\u7684\u65f6\u5019\u653e\u6b3e\u4eba\u7684\u503a\u6743\u5f97\u5230\u4fdd\u62a4\u3002\u5982\u679c\u5230\u4e86\u8fd8\u6b3e\u671f\uff0c\u62b5\u62bc\u623f\u4ea7\u8d44\u4e0d\u62b5\u503a\uff0c\u5219\u5269\u4f59\u503a\u52a1\u7531FHA\u6765\u507f\u8fd8\u7ed9\u653e\u6b3e\u4eba\u3002\u800c\u4e14\u5982\u679c\u9009\u62e9\u7ec8\u751f\u4ed8\u6b3e\u6a21\u5f0f\uff0c\u62b5\u62bc\u4eba\u65e0\u8bba\u623f\u4ea7\u8d2c\u503c\u5230\u4f55\u79cd\u7a0b\u5ea6\uff0c\u90fd\u53ef\u4ee5\u5c45\u4f4f\u5728\u623f\u5c4b\u4e2d\u76f4\u5230\u8fc7\u4e16\u3002\u8fd9\u70b9\u6781\u5927\u4fdd\u62a4\u4e86\u62b5\u62bc\u4eba\u7684\u5229\u76ca\uff0c\u514d\u9664\u4e00\u65e6\u623f\u4ea7\u8d2c\u503c\u5219\u65e0\u5bb6\u53ef\u5f52\u7684\u98ce\u9669\uff0c\u6d88\u9664\u4e86\u4ed6\u4eec\u8fd9\u65b9\u9762\u7684\u5fe7\u8651\u3002<\/p>\n\n\n\n
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