{"id":60022,"date":"2025-01-10T01:29:00","date_gmt":"2025-01-09T17:29:00","guid":{"rendered":"https:\/\/0592ban.cn\/?p=60022"},"modified":"2025-01-10T01:29:00","modified_gmt":"2025-01-09T17:29:00","slug":"2021%e5%b9%b43%e6%9c%88%e8%b4%b7%e6%ac%be%e5%9f%ba%e5%87%86%e5%88%a9%e7%8e%87-2021%e5%b9%b43%e6%9c%8816%e6%97%a5%e6%98%af%e4%bb%80%e4%b9%88%e6%98%9f%e5%ba%a7","status":"publish","type":"post","link":"https:\/\/0592ban.cn\/index.php\/2025\/01\/10\/2021%e5%b9%b43%e6%9c%88%e8%b4%b7%e6%ac%be%e5%9f%ba%e5%87%86%e5%88%a9%e7%8e%87-2021%e5%b9%b43%e6%9c%8816%e6%97%a5%e6%98%af%e4%bb%80%e4%b9%88%e6%98%9f%e5%ba%a7\/","title":{"rendered":"2021\u5e743\u6708\u8d37\u6b3e\u57fa\u51c6\u5229\u7387 (2021\u5e743\u670816\u65e5\u662f\u4ec0\u4e48\u661f\u5ea7)"},"content":{"rendered":"

\"2021\u5e743\u670816\u65e5\u662f\u4ec0\u4e48\u661f\u5ea7\"<\/p>\n

\n 2021\u5e743\u6708\u8d37\u6b3e\u5e02\u573a\u62a5\u4ef7\u5229\u7387\uff08LPR\uff09
\n<\/h2>\n

\n 2021\u5e743\u670822\u65e5\u516c\u5e03\u7684\u8d37\u6b3e\u5e02\u573a\u62a5\u4ef7\u5229\u7387\uff08LPR\uff09\u4e2d\uff0c1\u5e74\u671fLPR\u4e3a3.85%\uff0c\u800c5\u5e74\u671f\u4ee5\u4e0aLPR\u4e3a4.65%\u3002\n<\/p>\n

\n \u57fa\u51c6\u5229\u7387\u662f\u91d1\u878d\u9886\u57df\u4e2d\u5e7f\u6cdb\u53c2\u8003\u7684\u5229\u7387\u6807\u51c6\uff0c\u5176\u4ed6\u5229\u7387\u6216\u91d1\u878d\u4ea7\u54c1\u4ef7\u683c\u901a\u5e38\u4ee5\u6b64\u4e3a\u57fa\u51c6\u8fdb\u884c\u8c03\u6574\u3002\n<\/p>\n

\n 2021\u5e743\u6708\u8d37\u6b3e\u5229\u7387\u8ba1\u7b97\u793a\u4f8b
\n<\/h2>\n

\n \u5047\u8bbe\u8d37\u6b3e35\u4e07\u5143\uff0c\u8d37\u6b3e\u671f\u965020\u5e74\uff0cLPR\u52a0\u70b9\u6570\u503c\u4e3a1.05%\u3002\n<\/p>\n

\n \u4e94\u5e74\u671fLPR\u5229\u7387\u8ba1\u7b97
\n<\/h3>\n

\n \u4e94\u5e74\u671fLPR\u5229\u7387\uff1a4.65%\n<\/p>\n

\n LPR\u52a0\u70b9\u6570\u503c\uff1a1.05%\n<\/p>\n

\n \u8d37\u6b3e\u6267\u884c\u5229\u7387 = LPR\u5229\u7387 + LPR\u52a0\u70b9\u6570\u503c = 4.65% + 1.05% = 5.7%\n<\/p>\n

\n \u7b49\u989d\u672c\u606f\u8fd8\u6b3e\u65b9\u5f0f\u8ba1\u7b97
\n<\/h3>\n

\n \u5e74\u5229\u7387 = 5.7%\n<\/p>\n

\n \u6708\u5229\u7387 = \u5e74\u5229\u7387 \/ 12 = 0.475%\n<\/p>\n

\n \u6708\u8fd8\u6b3e\u989d = \u8d37\u6b3e\u989d \u6708\u5229\u7387 \/ [1 – (1 + \u6708\u5229\u7387)^-\u8fd8\u6b3e\u6708\u6570]\n<\/p>\n

\n \u6708\u8fd8\u6b3e\u989d = 350000 0.475% \/ [1 – (1 + 0.475%)^-240]\n<\/p>\n

\n \u6708\u8fd8\u6b3e\u989d = 2,447.31\u5143\n<\/p>\n

\n \u8fd8\u6b3e\u603b\u989d = \u6708\u8fd8\u6b3e\u989d \u8fd8\u6b3e\u6708\u6570\n<\/p>\n

\n \u8fd8\u6b3e\u603b\u989d = 2,447.31\u5143 240\n<\/p>\n

\n \u8fd8\u6b3e\u603b\u989d = 587,354.97\u5143\n<\/p>\n

\n \u5229\u606f\u603b\u989d = \u8fd8\u6b3e\u603b\u989d – \u8d37\u6b3e\u989d\n<\/p>\n

\n \u5229\u606f\u603b\u989d = 587,354.97\u5143 – 350000\u5143\n<\/p>\n

\n \u5229\u606f\u603b\u989d = 237,354.97\u5143\n<\/p>\n

\n \u56e0\u6b64\uff0c\u5728\u5047\u8bbe\u6761\u4ef6\u4e0b\uff0c\u8fd9\u7b14\u8d37\u6b3e\u6bcf\u6708\u8fd8\u6b3e2,447.31\u5143\uff1b\u8fd8\u6b3e\u603b\u989d587,354.97\u5143\uff1b\u5229\u606f\u603b\u989d237,354.97\u5143\u3002\n<\/p>\n

\n 2021\u5e743\u6708\u94f6\u884c\u540c\u671f\u8d37\u6b3e\u5229\u7387
\n<\/h2>\n

\n 2021\u5e743\u6708\uff0c\u4e0d\u540c\u94f6\u884c\u7684\u8d37\u6b3e\u5229\u7387\u6709\u6240\u5dee\u5f02\uff1a\n<\/p>\n\n\n\n\n\n
\n \u94f6\u884c\n <\/th>\n\n \u77ed\u671f\u8d37\u6b3e\u5229\u7387\uff08\u516d\u4e2a\u6708\u4ee5\u5185\uff09\n <\/th>\n\n \u4e00\u81f3\u4e94\u5e74\u8d37\u6b3e\u5229\u7387\n <\/th>\n\n \u4e94\u5e74\u4ee5\u4e0a\u8d37\u6b3e\u5229\u7387\n <\/th>\n\n \u516c\u79ef\u91d1\u8d37\u6b3e\u4e94\u5e74\u53ca\u4ee5\u4e0b\u5229\u7387\n <\/th>\n\n \u516c\u79ef\u91d1\u8d37\u6b3e\u4e94\u5e74\u53ca\u4ee5\u4e0a\u5229\u7387\n <\/th>\n<\/tr>\n<\/thead>\n
\n \u5de5\u5546\u94f6\u884c\u51fa\u73b0\u53d8\u52a8\uff0c\u663e\u793a\u51fa\u5229\u7387\u7684\u7a33\u5b9a\u6001\u52bf\u3002<\/p>\n

\n \u56e0\u6b64\uff0c\u76ee\u524d\u6765\u770b\uff0c2021\u5e74\u94f6\u884c\u8d37\u6b3e\u5229\u7387\u4e0a\u8c03\u7684\u53ef\u80fd\u6027\u4e0d\u5927\u3002\n <\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n","protected":false},"excerpt":{"rendered":"

2021\u5e743\u6708\u8d37\u6b3e\u5e02\u573a\u62a5\u4ef7\u5229\u7387\uff0cLPR\uff0c2021\u5e743\u670822\u65e5\u516c\u5e03\u7684\u8d37\u6b3e\u5e02\u573a\u62a5\u4ef7\u5229\u7387\uff0cLPR\uff0c\u4e2d\uff0c1\u5e74\u671fLPR\u4e3a3.85%\uff0c\u800c5\u5e74\u671f\u4ee5\u4e0aLPR\u4e3a4.65%\uff0c\u57fa\u51c6\u5229\u7387\u662f\u91d1\u878d\u9886\u57df\u4e2d\u5e7f\u6cdb\u53c2\u8003\u7684\u5229\u7387\u6807\u51c6\uff0c\u5176\u4ed6\u5229\u7387\u6216\u91d1\u878d\u4ea7\u54c1\u4ef7\u683c\u901a\u5e38\u4ee5\u6b64\u4e3a\u57fa\u51c6\u8fdb\u884c\u8c03\u6574\uff0c2021\u5e743\u6708\u8d37\u6b3e\u5229\u7387\u8ba1\u7b97\u793a\u4f8b\u5047\u8bbe\u8d37\u6b3e35\u4e07\u5143\uff0c\u8d37\u6b3e\u671f\u965020\u5e74\uff0cLPR\u52a0\u70b9\u6570\u503c\u4e3a1.05%\uff0c\u4e94\u5e74…\u3002<\/p>\n","protected":false},"author":1,"featured_media":60021,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[25981],"class_list":["post-60022","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-12shengxiao","tag-25981"],"_links":{"self":[{"href":"https:\/\/0592ban.cn\/index.php\/wp-json\/wp\/v2\/posts\/60022","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/0592ban.cn\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/0592ban.cn\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/0592ban.cn\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/0592ban.cn\/index.php\/wp-json\/wp\/v2\/comments?post=60022"}],"version-history":[{"count":1,"href":"https:\/\/0592ban.cn\/index.php\/wp-json\/wp\/v2\/posts\/60022\/revisions"}],"predecessor-version":[{"id":60023,"href":"https:\/\/0592ban.cn\/index.php\/wp-json\/wp\/v2\/posts\/60022\/revisions\/60023"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/0592ban.cn\/index.php\/wp-json\/wp\/v2\/media\/60021"}],"wp:attachment":[{"href":"https:\/\/0592ban.cn\/index.php\/wp-json\/wp\/v2\/media?parent=60022"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/0592ban.cn\/index.php\/wp-json\/wp\/v2\/categories?post=60022"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/0592ban.cn\/index.php\/wp-json\/wp\/v2\/tags?post=60022"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}