{"id":20363,"date":"2023-04-05T04:15:10","date_gmt":"2023-04-05T08:15:10","guid":{"rendered":"https:\/\/hanhomesoldrealty.com\/mortgage-guide\/"},"modified":"2025-06-30T12:20:52","modified_gmt":"2025-06-30T16:20:52","slug":"mortgage-guide","status":"publish","type":"page","link":"https:\/\/hanhomesoldrealty.com\/en\/mortgage-guide\/","title":{"rendered":"Mortgage Guide"},"content":{"rendered":"\n<h1>\n\t\t\u83b7\u5f97\u623f\u5c4b\u8d37\u6b3e\n\t<\/h1>\n\t<style>\n.buyer-guide-left-links li.uabb-creative-link {\n    display: block !important;\n    background-color: #2f455e;\n    text-align: left;\n    padding: 10px 20px 10px 20px;\n    border-bottom: 1px solid #566b81;\n}\n<\/style>\n<h2>\n\t\t\u76ee\u5f55\n\t<\/h2>\n\t<ul>\n\t\t\t<li>\n\t\t\t\t<a href=\"#introduction\" target=\"_self\" data-hover=\"\u524d\u8a00\" rel=\"noopener\">\u524d\u8a00<\/a>\n\t\t<\/li>\n\t\t\t\t\t<li>\n\t\t\t\t<a href=\"#loan-requirement\" target=\"_self\" data-hover=\"1.  \u9996\u4ed8\u6700\u4f4e\u8981\u6c42\" rel=\"noopener\">1.  \u9996\u4ed8\u6700\u4f4e\u8981\u6c42<\/a>\n\t\t<\/li>\n\t\t\t\t\t<li>\n\t\t\t\t<a href=\"#min-down-payment\" target=\"_self\" data-hover=\"2.  \u8d37\u6b3e\u4e3b\u8981\u8981\u6c42\" rel=\"noopener\">2.  \u8d37\u6b3e\u4e3b\u8981\u8981\u6c42<\/a>\n\t\t<\/li>\n\t\t\t\t\t<li>\n\t\t\t\t<a href=\"#credit-score-requirements\" target=\"_self\" data-hover=\"3. \u4fe1\u8d37\u5206\u6570\u8981\u6c42\" rel=\"noopener\">3. \u4fe1\u8d37\u5206\u6570\u8981\u6c42<\/a>\n\t\t<\/li>\n\t\t\t\t\t<li>\n\t\t\t\t<a href=\"#income-test\" target=\"_self\" data-hover=\"4. \u6536\u5165\u548c\u538b\u529b\u6d4b\u8bd5\" rel=\"noopener\">4. \u6536\u5165\u548c\u538b\u529b\u6d4b\u8bd5<\/a>\n\t\t<\/li>\n\t\t\t\t\t<li>\n\t\t\t\t<a href=\"#choose-home-load\" target=\"_self\" data-hover=\"5. \u9009\u62e9\u623f\u5c4b\u8d37\u6b3e\" rel=\"noopener\">5. \u9009\u62e9\u623f\u5c4b\u8d37\u6b3e<\/a>\n\t\t<\/li>\n\t\t\t\t<\/ul>\n<h3>\n\t\t\u524d\u8a00\n\t<\/h3>\n\t<p>\u8ddf\u6240\u6709\u4eba\u7684\u7406\u89e3\u4e0d\u4e00\u6837\uff0c\u5728\u591a\u4f26\u591a\u4e70\u623f\uff0c\u7b2c\u4e00\u6b65\u4e0d\u662f\u770b\u623f\uff0c\u800c\u662f\u89c4\u5212\u8d44\u91d1\uff0c\u8bbe\u5b9a\u9884\u7b97\uff0c\u548c\u83b7\u5f97\u623f\u5c4b\u8d37\u6b3e\u9884\u6279\u590d\u3002\u56e0\u4e3a\uff0c\u9884\u7b97\u51b3\u5b9a\u4e86\u6211\u4eec\u80fd\u4e70\u4ec0\u4e48\u6837\u7684\u623f\u5b50\u3002<\/p>\n<p>\uff08\u5982\u679c\u8fd9\u4e00\u6b65\u5df2\u7ecf\u5b8c\u6210\uff0c\u8bf7\u7ee7\u7eed\u9605\u8bfb&#8221;<a href=\"https:\/\/hanhomesoldrealty.com\/buyer-guide\/\">\u4e70\u5bb6\u6307\u5357<\/a>&#8220;\u7684\u4e0b\u4e00\u6b65\uff09<\/p>\n<h3>\n\t\t1. \u8d37\u6b3e\u4e3b\u8981\u8981\u6c42\uff1a\u9996\u4ed8\u5145\u8db3\u3001\u826f\u597d\u4fe1\u7528\u8bb0\u5f55\u548c\u7a33\u5b9a\u6536\u5165\n\t<\/h3>\n\t<p>\u7533\u8bf7<a href=\"https:\/\/hanhomesoldrealty.com\/mortgage-guide\/\">\u623f\u5c4b\u8d37\u6b3e<\/a>\uff0c\u5145\u5206\u8bc4\u4f30\u81ea\u6211\u7684\u8d22\u52a1\u72b6\u51b5\u76f8\u5f53\u91cd\u8981\u3002\u5148\u7edf\u8ba1\u5df2\u6709\u7684\u8d44\u91d1\uff0c\u518d\u770b\u770b\u81ea\u5df1\u80fd\u591f\u8d37\u591a\u5c11\u623f\u6b3e\u3002\u5207\u8bb0\u505a\u8d22\u52a1\u89c4\u5212\u65f6\u8981\u8ba9\u81ea\u5df1\u5728\u6bcf\u6708\u8fd8\u8d37\u540e\u4ecd\u7136\u80fd\u591f\u5e94\u4ed8\u6b63\u5e38\u751f\u6d3b\u5f00\u9500\u3002<\/p>\n<p>\u4f20\u7edf\u7684\u623f\u5c4b\u8d37\u6b3e\u7533\u8bf7\u5f80\u5f80\u6709\u4ee5\u4e0b\u8fd9\u51e0\u4e2a\u8003\u6838\u6761\u4ef6\uff1a\u9996\u4ed8\u3001\u4fe1\u8d37\u8bb0\u5f55\u548c\u6536\u5165\uff0c\u4e0b\u6587\u4f1a\u4e00\u4e00\u4ecb\u7ecd\u3002\u5982\u679c\u60a8\u662f\u65b0\u79fb\u6c11\uff0c\u6682\u65e0\u4fe1\u8d37\u8bb0\u5f55\u548c\u7a33\u5b9a\u5de5\u4f5c\uff0c\u4e0d\u7528\u62c5\u5fc3\uff0c\u65b0\u79fb\u6c11\u4ecd\u7136\u53ef\u4ee5\u7533\u8bf7\u623f\u8d37\u3002\uff08\u8bf7\u9605\u8bfb<a href=\"https:\/\/hanhomesoldrealty.com\/newer-mortgage\/\">\u65b0\u79fb\u6c11\u8d37\u6b3e\u6307\u5357<\/a>\uff09<\/p>\n<h3>\n\t\t2. \u9996\u4ed8\u6700\u4f4e\u8981\u6c42\n\t<\/h3>\n\t<p>\u4e70\u623f\u65f6\u5982\u679c\u9700\u8981\u8d37\u6b3e\uff0c\u9996\u4ed8\u5219\u662f\u5728\u4e70\u623f\u65f6\u9700\u8981\u652f\u4ed8\u7684\u73b0\u91d1\u90e8\u5206\u3002\u8d37\u6b3e\u673a\u6784\u4f1a\u4f59\u6b3e\u90e8\u5206\u5411\u60a8\u63d0\u4f9b\u8d37\u6b3e\u3002\u5728\u52a0\u62ff\u5927\u4e70\u623f\uff0c\u4ee5\u4e0b\u662f\u6700\u4f4e\u9996\u4ed8\u8981\u6c42\uff1a<\/p>\n\t\t\t\t<table>\n\t\t\t\t\t<thead>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<tr>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<th rowspan=\"\" colspan=\"\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<label> \n\t\t\t\t\t\t\t\t\t\t<\/label><label> \u623f\u4ef7 <\/label> \n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/th> \n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<th rowspan=\"\" colspan=\"\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<label> \n\t\t\t\t\t\t\t\t\t\t<\/label><label> \u6700\u4f4e\u9996\u4ed8 <\/label> \n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/th> \n\t\t\t\t\t\t\t\t\t\t\t<\/tr><\/thead>\n\t\t\t\t\t<tbody>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<tr> \n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td colspan=\"\" rowspan=\"\"> \n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t \u4f4e\u4e8e50\u4e07\u52a0\u5e01 \n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td colspan=\"\" rowspan=\"\"> \n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t 5% \u623f\u4ef7 \n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/tr><tr> \n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td colspan=\"\" rowspan=\"\"> \n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t 50\u4e07 \u81f3 99.99\u4e07\u52a0\u5e01 \n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td colspan=\"\" rowspan=\"\"> \n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t \u5934 50\u4e07\u52a0\u5e015%\uff0c\u8d85\u8fc750\u4e07\u7684\u90e8\u520610% \n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/tr><tr> \n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td colspan=\"\" rowspan=\"\"> \n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t 1\u767e\u4e07 \u52a0\u5e01\u4ee5\u4e0a \n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td colspan=\"\" rowspan=\"\"> \n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t 20% \u623f\u4ef7 \n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<\/tr><\/tbody>\n\t\t\t\t<\/table>\n\t<p>\u5982\u679c\u9996\u4ed8\u572820%\u4e4b\u4e0b\uff0c\u5219\u9700\u8981\u6309\u89c4\u5b9a\u8d2d\u4e70\u8d37\u6b3e\u4fdd\u9669\uff0c\u4fdd\u8d39\u5728\u8d37\u6b3e\u989d\u76840.6%~4.0%\u533a\u95f4\u3002\u81f3CMHC \u8d37\u6b3e\u4fdd\u9669\u8ba1\u7b97\u5668\uff08\u94fe\u63a5\uff09 \u8ba1\u7b97\u4fdd\u8d39\u3002\u8bf7\u6ce8\u610f\uff1a\u5f53\u6240\u8d2d\u623f\u4ef7\u8d85\u8fc7\u52a0\u5e011\u767e\u4e07\u65f6\uff0c\u9996\u4ed8\u5fc5\u987b\u8fbe\u523020%\u3002\u597d\u6d88\u606f\u662f\uff0c\u4fdd\u8d39\u53ef\u4ee5\u52a0\u5230\u8d37\u6b3e\u989d\u4e2d\uff0c\u9010\u6708\u8fd8\u6b3e\uff0c\u800c\u65e0\u9700\u4e00\u6b21\u6027\u5728\u4ea4\u623f\u65f6\u4ed8\u6e05\u3002<\/p>\n<p>&nbsp;<\/p>\n<p>\u5404\u5bb6\u94f6\u884c\u89c4\u5b9a\u53ef\u80fd\u7565\u6709\u4e0d\u540c\uff0c\u6b64\u5904\u4fe1\u606f\u4ec5\u4f9b\u53c2\u8003\uff0c\u8bf7\u8d37\u6b3e\u65f6\u5177\u4f53\u67e5\u8be2\u3002<\/p>\n<h3>\n\t\t3. \u4fe1\u8d37\u5206\u6570\u8981\u6c42\n\t<\/h3>\n\t<p>Equifax\u548cTransunion \u662f\u52a0\u62ff\u5927\u4e24\u5bb6\u6700\u4e3b\u8981\u7684\u4fe1\u7528\u8bc4\u5206\u673a\u6784\uff0c\u80fd\u6839\u636e\u641c\u96c6\u5230\u7684\u94f6\u884c\u548c\u5546\u6237\u4eec\u4e0a\u62a5\u7684\u4fe1\u606f\uff0c\u7814\u7a76\u4e2a\u4eba\u7684\u6d88\u8d39\u548c\u8fd8\u6b3e\u4e60\u60ef\uff0c\u8ba1\u7b97\u51fa\u7533\u8d37\u4eba\u7684\u4fe1\u7528\u6c34\u5e73\u3002\u6700\u9ad8\u5206\u503c\u4e3a900\u5206\u3002<\/p>\n<p>\u94f6\u884c\u548c\u5176\u5b83\u8d37\u6b3e\u673a\u6784\u4f1a\u8003\u5bdf\u7533\u8d37\u4eba\u7684\u4fe1\u7528\u8bb0\u5f55\uff0c\u5224\u65ad\u5176\u672a\u6765\u51c6\u65f6\u8fd8\u6b3e\u7684\u53ef\u80fd\u6027\u3002\u5728\u52a0\u62ff\u5927\uff0c\u4eceA\u7c7b\u94f6\u884c\u7533\u8bf7\u8d37\u6b3e\u7684\u6700\u4f4e\u4fe1\u7528\u5206\u6570\u8981\u6c42\u662f600\u3002\u5728\u5b89\u5927\u7565\u7701\uff0c\u5404\u4e2a\u91d1\u878d\u673a\u6784\u6709\u6240\u4e0d\u540c\uff0c\u4f46\u6700\u4f4e\u4fe1\u7528\u5206\u6570\u8981\u6c42\u5728600~680\u5206\u4e4b\u95f4\u3002\u4e0d\u8fc7\uff0c\u8fd9\u53ea\u662f\u6700\u4f4e\u8981\u6c42\uff0c\u4e3a\u5728\u5229\u7387\u6700\u4f18\u60e0\u7684\u5927\u94f6\u884c\u7533\u8d37\u6253\u5f00\u4e86\u5927\u95e8\u3002\u5982\u679c\u623f\u8d37\u91d1\u989d\u8f83\u9ad8\uff0c\u8d37\u6b3e\u673a\u6784\u5f80\u5f80\u4f1a\u63d0\u9ad8\u4fe1\u7528\u5206\u8981\u6c42\u3002<\/p>\n\t\t\t\t<img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/hanhomesoldrealty.com\/wp-content\/uploads\/2023\/04\/mortgage-guide-03.jpg\" alt=\"mortgage-guide-03\" itemprop=\"image\" height=\"437\" width=\"990\" title=\"mortgage-guide-03\" onerror=\"this.style.display='none'\">\n<h3>\n\t\t4. \u6536\u5165\u6216\u538b\u529b\u6d4b\u8bd5\n\t<\/h3>\n\t<p>\u4fe1\u7528\u5206\u6570\u548c\u6536\u5165\u4e4b\u5916\uff0c\u94f6\u884c\u653e\u8d37\u7684\u53e6\u4e00\u4e2a\u4e3b\u8981\u8003\u6838\u56e0\u7d20\u662f\u538b\u529b\u6d4b\u8bd5\uff08Mortgage Stress Test\uff09\u3002\u7533\u8d37\u4eba\u5fc5\u987b\u5448\u73b0\u51fa\u9762\u5bf9\u672a\u6765\u53ef\u80fd\u7684\u66f4\u9ad8\u5229\u7387\uff0c\u4ecd\u7136\u5177\u5907\u8fd8\u6b3e\u7684\u80fd\u529b\u3002\u7528\u4e8e\u538b\u529b\u6d4b\u8bd5\u7684\u5229\u7387\u88ab\u79f0\u4f5c&#8221;\u8d44\u683c\u5229\u7387&#8221;\uff08Qualifying Rate\uff09<\/p>\n<p>\u5e76\u975e\u6240\u6709\u8d37\u6b3e\u673a\u6784\u90fd\u5fc5\u987b\u4f7f\u7528\u538b\u529b\u6d4b\u8bd5\u6765\u8003\u6838\u623f\u8d37\u7533\u8bf7\u8005\uff0c\u53ea\u6709\u53d7\u52a0\u62ff\u5927\u8054\u90a6\u653f\u5e9c\u7ba1\u8f96\u7684\u94f6\u884c\u548c\u4fe1\u8d37\u673a\u6784\u624d\u53d7\u6b64\u89c4\u5b9a\u7ea6\u675f\u3002<\/p>\n<p>\u538b\u529b\u6d4b\u8bd5\u4f7f\u7528\u4ee5\u4e0b\u4e24\u8005\u4e4b\u95f4\u8f83\u9ad8\u7684\u5229\u7387\u4f5c\u4e3a\u8d44\u683c\u5229\u7387\u6765\u8003\u6838\u7533\u8d37\u4eba\u7684\u623f\u8d37\u6708\u4f9b\u8fd8\u6b3e\u80fd\u529b<\/p>\n<ul>\n<li>5.25% &#8211; \u8fd9\u662f\u76ee\u524d\u52a0\u62ff\u5927\u592e\u884c5\u5e74\u57fa\u51c6\u5229\u7387(five-year benchmark rate)<\/li>\n<li>\u7533\u8d37\u4eba\u6240\u83b7\u623f\u8d37\u5229\u7387+2%<\/li>\n<\/ul>\n<p>\u6309\u7167\u76ee\u524d\u538b\u529b\u6d4b\u8bd5\u5229\u73875.25%\uff08\u57fa\u4e8e2022\u5e748\u670810\u65e5\uff09\u6765\u6f14\u7b97\uff0c\u8fd9\u610f\u5473\u7740\u7533\u8d37\u4eba\u53ef\u4ee5\u8d37\u5230\u5e74\u62a5\u7a0e\u6536\u5165\u76844.5\u500d\u3002<\/p>\n<p>\u5c0f\u8d34\u58eb\uff1a\u5c3d\u91cf\u591a\u8fd8\u4e00\u4e9b\u76ee\u524d\u7684\u5404\u9879\u503a\u52a1\u3002\u503a\u52a1\u4f1a\u964d\u4f4e\u7533\u8d37\u4eba\u7684\u53ef\u652f\u914d\u73b0\u91d1\uff0c\u5f71\u54cd\u623f\u5c4b\u8d37\u6b3e\u7533\u8bf7\u8005\u538b\u529b\u6d4b\u8bd5\u7684\u901a\u8fc7\u7387\u3002\u8fd9\u5012\u4e0d\u662f\u8bf4\u7533\u8d37\u4eba\u4e0d\u80fd\u6ca1\u6709\u4efb\u4f55\u503a\u52a1\uff0c\u4f46\u662f\u5404\u9879\u503a\u52a1\u5360\u6536\u5165\u7684\u6bd4\u4f8b\u8d8a\u4f4e\uff0c\u623f\u5c4b\u8d37\u6b3e\u7684\u6210\u529f\u7387\u8d8a\u9ad8\uff0c\u53ef\u8d37\u91d1\u989d\u4e5f\u8d8a\u591a\u3002<\/p>\n<p>\u6b22\u8fce\u5230<a href=\"https:\/\/hanhomesoldrealty.com\/mortgage-calculator\/\">\u8fd9\u91cc<\/a>\u8fdb\u884c\u623f\u5c4b\u8d37\u6b3e\u6f14\u7b97\u3002<\/p>\n<h3>\n\t\t5. \u9009\u62e9\u623f\u5c4b\u8d37\u6b3e\n\t<\/h3>\n\t<p>\u8ddf\u623f\u4ea7\u4e00\u6837\uff0c\u623f\u5c4b\u8d37\u6b3e\u4ea7\u54c1\u4e5f\u5404\u5f0f\u5404\u6837\uff0c\u4e0d\u5c3d\u76f8\u540c\u3002\u6bcf\u4e2a\u94f6\u884c\u548c\u8d37\u6b3e\u673a\u6784\u90fd\u6709\u5404\u81ea\u72ec\u7279\u7684\u8d37\u6b3e\u4ea7\u54c1\uff0c\u4e70\u623f\u524d\u5e94\u5f53\u591a\u4e86\u89e3\u591a\u6bd4\u8f83\uff0c\u9009\u62e9\u6700\u7b26\u5408\u81ea\u5df1\u8d37\u6b3e\u9700\u6c42\u7684\u4ea7\u54c1\u3002\u56e0\u6b64\uff0cPriscilla Han\u591a\u4f26\u591a\u623f\u5730\u4ea7\u56e2\u961f\u4e0e\u5404\u5927\u94f6\u884c\u548c\u8d37\u6b3e\u673a\u6784\u7684\u8d37\u6b3e\u4e13\u4e1a\u4eba\u58eb\u7d27\u5bc6\u8054\u7cfb\uff0c\u786e\u4fdd\u5411\u5728\u591a\u4f26\u591a\u4e70\u623f\u7684\u4e70\u5bb6\u5ba2\u4eba\u63a8\u8350\u975e\u5e38\u4e13\u4e1a\u548c\u6709\u7ecf\u9a8c\u7684\u8d37\u6b3e\u7ecf\u7eaa\u548c\u7ecf\u7406\u4eba\u3002<\/p>\n<p>\u8003\u8651\u4e70\u623f\uff0c\u7533\u8bf7\u83b7\u5f97\u623f\u8d37\u9884\u6279\u590d\uff1f\u7acb\u5373\u8054\u7cfb\u6211\u4eec\u83b7\u53d6\u4e13\u4e1a\u3001\u656c\u4e1a\u7684\u8d44\u6df1\u8d37\u6b3e\u7ecf\u7eaa\u63a8\u8350\uff01<\/p>\n<p>\u6216\u7acb\u5373\u6f14\u7b97\uff0c\u4e86\u89e3\u68a6\u60f3\u623f\u4ea7\u7684\u623f\u8d37\u6708\u4f9b\uff01<\/p>\n<p>\u8fdb\u5165<a href=\"https:\/\/hanhomesoldrealty.com\/mortgage-calculator\/\">\u623f\u8d37\u8ba1\u7b97\u5668<\/a><\/p>\n\t\t\t<a href=\"https:\/\/hanhomesoldrealty.com\/mortgage-calculator\/\" target=\"_self\" role=\"button\" rel=\"noopener\">\n\t\t\t\t\t\t\t\u623f\u5c4b\u8ba1\u7b97\u5668\n\t\t\t<\/a>\n","protected":false},"excerpt":{"rendered":"<p>\u83b7\u5f97\u623f\u5c4b\u8d37\u6b3e \u76ee\u5f55 \u524d\u8a00 1. \u9996\u4ed8\u6700\u4f4e\u8981\u6c42 2. \u8d37\u6b3e\u4e3b\u8981\u8981\u6c42 3. \u4fe1\u8d37\u5206\u6570\u8981\u6c42 4. \u6536\u5165\u548c\u538b\u529b\u6d4b\u8bd5 5. \u9009\u62e9\u623f\u5c4b\u8d37\u6b3e \u524d\u8a00 \u8ddf\u6240\u6709\u4eba\u7684\u7406\u89e3\u4e0d\u4e00\u6837\uff0c\u5728\u591a\u4f26\u591a\u4e70\u623f\uff0c\u7b2c\u4e00\u6b65\u4e0d\u662f\u770b\u623f\uff0c\u800c\u662f\u89c4\u5212\u8d44\u91d1\uff0c\u8bbe\u5b9a\u9884\u7b97\uff0c\u548c\u83b7\u5f97\u623f\u5c4b\u8d37\u6b3e\u9884\u6279\u590d\u3002\u56e0\u4e3a\uff0c\u9884\u7b97\u51b3\u5b9a\u4e86\u6211\u4eec\u80fd\u4e70\u4ec0\u4e48\u6837\u7684\u623f\u5b50\u3002 \uff08\u5982\u679c\u8fd9\u4e00\u6b65\u5df2\u7ecf\u5b8c\u6210\uff0c\u8bf7\u7ee7\u7eed\u9605\u8bfb&#8221;\u4e70\u5bb6\u6307\u5357&#8220;\u7684\u4e0b\u4e00\u6b65\uff09 1. \u8d37\u6b3e\u4e3b\u8981\u8981\u6c42\uff1a\u9996\u4ed8\u5145\u8db3\u3001\u826f\u597d\u4fe1\u7528\u8bb0\u5f55\u548c\u7a33\u5b9a\u6536\u5165 \u7533\u8bf7\u623f\u5c4b\u8d37\u6b3e\uff0c\u5145\u5206\u8bc4\u4f30\u81ea\u6211\u7684\u8d22\u52a1\u72b6\u51b5\u76f8\u5f53\u91cd\u8981\u3002\u5148\u7edf\u8ba1\u5df2\u6709\u7684\u8d44\u91d1\uff0c\u518d\u770b\u770b\u81ea\u5df1\u80fd\u591f\u8d37\u591a\u5c11\u623f\u6b3e\u3002\u5207\u8bb0\u505a\u8d22\u52a1\u89c4\u5212\u65f6\u8981\u8ba9\u81ea\u5df1\u5728\u6bcf\u6708\u8fd8\u8d37\u540e\u4ecd\u7136\u80fd\u591f\u5e94\u4ed8\u6b63\u5e38\u751f\u6d3b\u5f00\u9500\u3002 \u4f20\u7edf\u7684\u623f\u5c4b\u8d37\u6b3e\u7533\u8bf7\u5f80\u5f80\u6709\u4ee5\u4e0b\u8fd9\u51e0\u4e2a\u8003\u6838\u6761\u4ef6\uff1a\u9996\u4ed8\u3001\u4fe1\u8d37\u8bb0\u5f55\u548c\u6536\u5165\uff0c\u4e0b\u6587\u4f1a\u4e00\u4e00\u4ecb\u7ecd\u3002\u5982\u679c\u60a8\u662f\u65b0\u79fb\u6c11\uff0c\u6682\u65e0\u4fe1\u8d37\u8bb0\u5f55\u548c\u7a33\u5b9a\u5de5\u4f5c\uff0c\u4e0d\u7528\u62c5\u5fc3\uff0c\u65b0\u79fb\u6c11\u4ecd\u7136\u53ef\u4ee5\u7533\u8bf7\u623f\u8d37\u3002\uff08\u8bf7\u9605\u8bfb\u65b0\u79fb\u6c11\u8d37\u6b3e\u6307\u5357\uff09 2. \u9996\u4ed8\u6700\u4f4e\u8981\u6c42 \u4e70\u623f\u65f6\u5982\u679c\u9700\u8981\u8d37\u6b3e\uff0c\u9996\u4ed8\u5219\u662f\u5728\u4e70\u623f\u65f6\u9700\u8981\u652f\u4ed8\u7684\u73b0\u91d1\u90e8\u5206\u3002\u8d37\u6b3e\u673a\u6784\u4f1a\u4f59\u6b3e\u90e8\u5206\u5411\u60a8\u63d0\u4f9b\u8d37\u6b3e\u3002\u5728\u52a0\u62ff\u5927\u4e70\u623f\uff0c\u4ee5\u4e0b\u662f\u6700\u4f4e\u9996\u4ed8\u8981\u6c42\uff1a \u623f\u4ef7 \u6700\u4f4e\u9996\u4ed8 \u4f4e\u4e8e50\u4e07\u52a0\u5e01 5% \u623f\u4ef7 50\u4e07 \u81f3 99.99\u4e07\u52a0\u5e01 \u5934 50\u4e07\u52a0\u5e015%\uff0c\u8d85\u8fc750\u4e07\u7684\u90e8\u520610% 1\u767e\u4e07 \u52a0\u5e01\u4ee5\u4e0a 20% \u623f\u4ef7 \u5982\u679c\u9996\u4ed8\u572820%\u4e4b\u4e0b\uff0c\u5219\u9700\u8981\u6309\u89c4\u5b9a\u8d2d\u4e70\u8d37\u6b3e\u4fdd\u9669\uff0c\u4fdd\u8d39\u5728\u8d37\u6b3e\u989d\u76840.6%~4.0%\u533a\u95f4\u3002\u81f3CMHC \u8d37\u6b3e\u4fdd\u9669\u8ba1\u7b97\u5668\uff08\u94fe\u63a5\uff09 \u8ba1\u7b97\u4fdd\u8d39\u3002\u8bf7\u6ce8\u610f\uff1a\u5f53\u6240\u8d2d\u623f\u4ef7\u8d85\u8fc7\u52a0\u5e011\u767e\u4e07\u65f6\uff0c\u9996\u4ed8\u5fc5\u987b\u8fbe\u523020%\u3002\u597d\u6d88\u606f\u662f\uff0c\u4fdd\u8d39\u53ef\u4ee5\u52a0\u5230\u8d37\u6b3e\u989d\u4e2d\uff0c\u9010\u6708\u8fd8\u6b3e\uff0c\u800c\u65e0\u9700\u4e00\u6b21\u6027\u5728\u4ea4\u623f\u65f6\u4ed8\u6e05\u3002 &nbsp; \u5404\u5bb6\u94f6\u884c\u89c4\u5b9a\u53ef\u80fd\u7565\u6709\u4e0d\u540c\uff0c\u6b64\u5904\u4fe1\u606f\u4ec5\u4f9b\u53c2\u8003\uff0c\u8bf7\u8d37\u6b3e\u65f6\u5177\u4f53\u67e5\u8be2\u3002 3. \u4fe1\u8d37\u5206\u6570\u8981\u6c42 Equifax\u548cTransunion \u662f\u52a0\u62ff\u5927\u4e24\u5bb6\u6700\u4e3b\u8981\u7684\u4fe1\u7528\u8bc4\u5206\u673a\u6784\uff0c\u80fd\u6839\u636e\u641c\u96c6\u5230\u7684\u94f6\u884c\u548c\u5546\u6237\u4eec\u4e0a\u62a5\u7684\u4fe1\u606f\uff0c\u7814\u7a76\u4e2a\u4eba\u7684\u6d88\u8d39\u548c\u8fd8\u6b3e\u4e60\u60ef\uff0c\u8ba1\u7b97\u51fa\u7533\u8d37\u4eba\u7684\u4fe1\u7528\u6c34\u5e73\u3002\u6700\u9ad8\u5206\u503c\u4e3a900\u5206\u3002 \u94f6\u884c\u548c\u5176\u5b83\u8d37\u6b3e\u673a\u6784\u4f1a\u8003\u5bdf\u7533\u8d37\u4eba\u7684\u4fe1\u7528\u8bb0\u5f55\uff0c\u5224\u65ad\u5176\u672a\u6765\u51c6\u65f6\u8fd8\u6b3e\u7684\u53ef\u80fd\u6027\u3002\u5728\u52a0\u62ff\u5927\uff0c\u4eceA\u7c7b\u94f6\u884c\u7533\u8bf7\u8d37\u6b3e\u7684\u6700\u4f4e\u4fe1\u7528\u5206\u6570\u8981\u6c42\u662f600\u3002\u5728\u5b89\u5927\u7565\u7701\uff0c\u5404\u4e2a\u91d1\u878d\u673a\u6784\u6709\u6240\u4e0d\u540c\uff0c\u4f46\u6700\u4f4e\u4fe1\u7528\u5206\u6570\u8981\u6c42\u5728600~680\u5206\u4e4b\u95f4\u3002\u4e0d\u8fc7\uff0c\u8fd9\u53ea\u662f\u6700\u4f4e\u8981\u6c42\uff0c\u4e3a\u5728\u5229\u7387\u6700\u4f18\u60e0\u7684\u5927\u94f6\u884c\u7533\u8d37\u6253\u5f00\u4e86\u5927\u95e8\u3002\u5982\u679c\u623f\u8d37\u91d1\u989d\u8f83\u9ad8\uff0c\u8d37\u6b3e\u673a\u6784\u5f80\u5f80\u4f1a\u63d0\u9ad8\u4fe1\u7528\u5206\u8981\u6c42\u3002 4. \u6536\u5165\u6216\u538b\u529b\u6d4b\u8bd5 \u4fe1\u7528\u5206\u6570\u548c\u6536\u5165\u4e4b\u5916\uff0c\u94f6\u884c\u653e\u8d37\u7684\u53e6\u4e00\u4e2a\u4e3b\u8981\u8003\u6838\u56e0\u7d20\u662f\u538b\u529b\u6d4b\u8bd5\uff08Mortgage Stress Test\uff09\u3002\u7533\u8d37\u4eba\u5fc5\u987b\u5448\u73b0\u51fa\u9762\u5bf9\u672a\u6765\u53ef\u80fd\u7684\u66f4\u9ad8\u5229\u7387\uff0c\u4ecd\u7136\u5177\u5907\u8fd8\u6b3e\u7684\u80fd\u529b\u3002\u7528\u4e8e\u538b\u529b\u6d4b\u8bd5\u7684\u5229\u7387\u88ab\u79f0\u4f5c&#8221;\u8d44\u683c\u5229\u7387&#8221;\uff08Qualifying Rate\uff09 \u5e76\u975e\u6240\u6709\u8d37\u6b3e\u673a\u6784\u90fd\u5fc5\u987b\u4f7f\u7528\u538b\u529b\u6d4b\u8bd5\u6765\u8003\u6838\u623f\u8d37\u7533\u8bf7\u8005\uff0c\u53ea\u6709\u53d7\u52a0\u62ff\u5927\u8054\u90a6\u653f\u5e9c\u7ba1\u8f96\u7684\u94f6\u884c\u548c\u4fe1\u8d37\u673a\u6784\u624d\u53d7\u6b64\u89c4\u5b9a\u7ea6\u675f\u3002 \u538b\u529b\u6d4b\u8bd5\u4f7f\u7528\u4ee5\u4e0b\u4e24\u8005\u4e4b\u95f4\u8f83\u9ad8\u7684\u5229\u7387\u4f5c\u4e3a\u8d44\u683c\u5229\u7387\u6765\u8003\u6838\u7533\u8d37\u4eba\u7684\u623f\u8d37\u6708\u4f9b\u8fd8\u6b3e\u80fd\u529b&hellip;<\/p>\n","protected":false},"author":4,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[],"tags":[314],"class_list":["post-20363","page","type-page","status-publish","hentry","tag--en"],"_links":{"self":[{"href":"https:\/\/hanhomesoldrealty.com\/en\/wp-json\/wp\/v2\/pages\/20363","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/hanhomesoldrealty.com\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/hanhomesoldrealty.com\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/hanhomesoldrealty.com\/en\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/hanhomesoldrealty.com\/en\/wp-json\/wp\/v2\/comments?post=20363"}],"version-history":[{"count":11,"href":"https:\/\/hanhomesoldrealty.com\/en\/wp-json\/wp\/v2\/pages\/20363\/revisions"}],"predecessor-version":[{"id":20891,"href":"https:\/\/hanhomesoldrealty.com\/en\/wp-json\/wp\/v2\/pages\/20363\/revisions\/20891"}],"wp:attachment":[{"href":"https:\/\/hanhomesoldrealty.com\/en\/wp-json\/wp\/v2\/media?parent=20363"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/hanhomesoldrealty.com\/en\/wp-json\/wp\/v2\/categories?post=20363"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/hanhomesoldrealty.com\/en\/wp-json\/wp\/v2\/tags?post=20363"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}