{"id":40791,"date":"2023-07-12T10:02:17","date_gmt":"2023-07-12T02:02:17","guid":{"rendered":"https:\/\/www.fortunetimes.sg\/cn\/?p=40791"},"modified":"2023-08-15T06:58:13","modified_gmt":"2023-08-14T22:58:13","slug":"%e7%94%a8%e6%95%b0%e6%8d%ae%e8%af%84%e4%bc%b0%e8%b4%ad%e6%88%bf%e6%89%bf%e5%8f%97%e5%8a%9b","status":"publish","type":"post","link":"https:\/\/az.c.adneti.net\/cn\/?p=40791","title":{"rendered":"\u7528\u6570\u636e\u8bc4\u4f30\u8d2d\u623f\u627f\u53d7\u529b"},"content":{"rendered":"\n<p>\u4e70\u623f\u7684\u70e6\u607c\uff0c\u662f\u56e0\u4e3a\u4ef7\u683c\u592a\u9ad8\u800c\u65e0\u6cd5\u8d1f\u62c5\uff0c\u8fd8\u662f\u56e0\u4e3a\u9009\u623f\u5b50\u7684\u6761\u4ef6\u592a\u591a\uff0c\u800c\u65e0\u6cd5\u627e\u5230\u7406\u60f3\u7684\u623f\u5b50\uff1f\u6211\u4eec\u53ef\u4ee5\u5229\u7528\u4e09\u4e2a\u4e0d\u540c\u7684\u65b9\u6cd5\u6765\u8bc4\u4f30\u5c45\u6c11\u7684\u4f4f\u623f\u8d1f\u62c5\u80fd\u529b\u3002<\/p>\n\n\n\n<p>\u9996\u5148\uff0c\u5b66\u672f\u754c\u5e38\u4f7f\u7528\u4e2d\u503c\u623f\u4ef7\u6536\u5165\u6bd4(PIR)\u6765\u8861\u91cf\u623f\u4ef7\u4e0a\u6da8\u548c\u6536\u5165\u589e\u957f\u7684\u5e45\u5ea6\u3002\u4ece\u8fc7\u53bb20\u5e74\u7684\u5404\u7c7b\u578b\u4f4f\u623f\u4ea4\u6613\u4ef7\u683c\uff0c\u548c\u65b0\u52a0\u5761\u7edf\u8ba1\u5c40\u53d1\u5e03\u7684\u5bb6\u5ead\u6536\u5165\u6570\u636e\uff0c\u65b0\u52a0\u5761\u9884\u552e\uff08BTO\uff09\u548c\u8f6c\u552e\u7ec4\u5c4b\u7684PIR\u503c\u662f\u76f8\u5bf9\u7a33\u5b9a\u7684\uff0c\u4fdd\u6301\u57285\u500d\u4ee5\u4e0b\u3002\u8fd9\u4e00\u6307\u6570\u8868\u660e\uff0c\u65b0\u52a0\u5761\u7684\u516c\u5171\u7ec4\u5c4b\u4ecd\u7136\u662f\u53ef\u8d1f\u62c5\u5f97\u8d77\u7684\u3002<\/p>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter\"><img loading=\"lazy\" decoding=\"async\" width=\"791\" height=\"902\" src=\"https:\/\/www.fortunetimes.sg\/cn\/wp-content\/uploads\/2023\/08\/Prof-Sing-1-fotor-2023081294823.jpg\" alt=\"\" class=\"wp-image-40793\" srcset=\"https:\/\/az.c.adneti.net\/cn\/wp-content\/uploads\/2023\/08\/Prof-Sing-1-fotor-2023081294823.jpg 791w, https:\/\/az.c.adneti.net\/cn\/wp-content\/uploads\/2023\/08\/Prof-Sing-1-fotor-2023081294823-263x300.jpg 263w, https:\/\/az.c.adneti.net\/cn\/wp-content\/uploads\/2023\/08\/Prof-Sing-1-fotor-2023081294823-768x876.jpg 768w, https:\/\/az.c.adneti.net\/cn\/wp-content\/uploads\/2023\/08\/Prof-Sing-1-fotor-2023081294823-368x420.jpg 368w, https:\/\/az.c.adneti.net\/cn\/wp-content\/uploads\/2023\/08\/Prof-Sing-1-fotor-2023081294823-640x730.jpg 640w, https:\/\/az.c.adneti.net\/cn\/wp-content\/uploads\/2023\/08\/Prof-Sing-1-fotor-2023081294823-681x777.jpg 681w, https:\/\/az.c.adneti.net\/cn\/wp-content\/uploads\/2023\/08\/Prof-Sing-1-fotor-2023081294823-200x228.jpg 200w, https:\/\/az.c.adneti.net\/cn\/wp-content\/uploads\/2023\/08\/Prof-Sing-1-fotor-2023081294823-300x342.jpg 300w\" sizes=\"(max-width: 791px) 100vw, 791px\" \/><figcaption> <strong>\u7a0b\u5929\u5bcc (Sing Tien Foo)\uff1a\u65b0\u52a0\u5761\u56fd\u7acb\u5927\u5b66\u5546\u5b66\u9662\u623f\u5730\u4ea7\u7cfb\u6559\u52a1\u957f\u8bb2\u5e2d\u6559\u6388<\/strong> <\/figcaption><\/figure><\/div>\n\n\n\n<p>\u7b2c\u4e8c\uff0c\u5404\u7c7b\u623f\u578b\u7684\u4ef7\u683c\u79bb\u5dee\u4e5f\u80fd\u53cd\u6620\u9700\u6c42\u7684\u5206\u5e03\u3002\u7ec4\u5c4b\u4ef7\u683c\u7684\u5dee\u79bb\u6ca1\u6709\u5982\u79c1\u5b85\u5e02\u573a\u822c\u7684\u5206\u6563\u3002\u4ee52022\u5e74\u4e3a\u4f8b\uff0c4\u623f\u6216\u66f4\u5927\u7684\u8f6c\u552e\u7ec4\u5c4b\u7684\u5e73\u5747\u4ef7\u683c\u7ea6\u4e3a616,000\u65b0\u5143\uff0c\u4e2d\u4f4d\u4ef7\u4e3a580,000\u65b0\u5143\u3002BTO\u7684\u4ef7\u683c\u5dee\u79bb\u66f4\u5c0f\uff0c\u57282022\u5e74\uff0c\u4e00\u95f44\u623f\u5f0f\u6216\u66f4\u5927\u7684BTO\u7684\u4e2d\u4f4d\u4ef7\u683c\u7ea6\u4e3a474,000\u65b0\u5143\uff0c\u5176\u5e73\u5747\u4ef7\u7ea6\u4e3a456,000\u65b0\u5143\u3002\u8fd9\u53ef\u80fd\u662f\u653f\u5e9c\u4e25\u7ba1\u9884\u552e\u7ec4\u5c4b\u5b9a\u4ef7\uff0c\u7ef4\u6301\u9884\u552e\u7ec4\u5c4b\u4ef7\u683c\u5728\u53ef\u8d1f\u62c5\u5f97\u8d77\u8303\u56f4\u5185\u7684\u5176\u4e2d\u4e00\u4e2a\u539f\u56e0\u3002<\/p>\n\n\n\n<p>\u7b2c\u4e09\uff0c\u4f4f\u623f\u652f\u51fa\u6216\u6210\u672c\u6536\u5165\u6bd4\u4e5f\u662f\u5e38\u7528\u6765\u8861\u91cf\u4f4f\u623f\u8d1f\u62c5\u80fd\u529b\u7684\u65b9\u6cd5\u3002\u7ecf\u6d4e\u5408\u4f5c\u4e0e\u53d1\u5c55\u7ec4\u7ec7(\u7b80\u79f0\u7ecf\u5408\u7ec4\u7ec7\uff09\uff08Organisation for Economic Cooperation and Development\uff0cOECD\uff09\u5c06\u201c\u53ef\u8d1f\u62c5\u5f97\u8d77\u201d\u4f4f\u623f\u5b9a\u4e49\u4e3a\u5bb6\u5ead\u4f4f\u623f\u6210\u672c\u4e0d\u8d85\u8fc7\u5176\u603b\u6536\u5165\u768430%\u3002\u5efa\u5c4b\u5c40\u4e5f\u91c7\u7528\u76f8\u540c\u7684\u65b9\u6cd5\uff0c\u5e76\u79f0\u5b83\u4e3a\u6bcf\u6708\u507f\u8fd8\u8d37\u6b3e\u6bd4\u7387(Mortgage Servicing Ratio\uff0cMSR)\u3002<\/p>\n\n\n\n<p>\u6211\u8ba1\u7b97\u4e00\u822c\u65b0\u52a0\u5761\u5bb6\u5ead\u7684HCI Ratio\u548c\u5206\u6790\u4ed6\u4eec\u7684\u8d2d\u5c4b\u80fd\u529b\uff0c\u5047\u8bbe\u7ec4\u5c4b\u8d37\u6b3e\u7684\u4f18\u60e0\u5e74\u5229\u7387\u4e3a2.6%\uff0c\u8d37\u6b3e\u671f\u9650\u4e3a20\u5e74\uff0c\u8d37\u6b3e\u4ef7\u503c\u6bd4(Loan to value,LTV)\u4e3a80%\uff0c\u4e00\u6237\u4e2d\u7b49\u6708\u6536\u5165\u4e3a9,520\u65b0\u5143\u7684\u5bb6\u5ead\uff0c\u5c06\u80fd\u591f\u8d1f\u62c5\u5f97\u8d77\u4ef7\u683c\u4e0d\u8d85\u8fc7667,600\u65b0\u5143\u7684\u9884\u552e\u7ec4\u5c4b\u3002\u4ee5\u8fd9\u4e2a\u4ef7\u683c\u8ba1\u7b97\uff0c\u6bcf\u6708\u7684\u62b5\u62bc\u8d37\u6b3e\u8fd8\u6b3e\u989d\u4e3a2,856\u65b0\u5143\uff0c\u4fdd\u6301\u572830%\u7684MSR\u4e0a\u9650\u4e4b\u5185\u3002<\/p>\n\n\n\n<p>\u5176\u5b9e\uff0c\u5f53\u5927\u5bb6\u5728\u8ba8\u8bba\u4f4f\u623f\u8d1f\u62c5\u80fd\u529b\u65f6\uff0c\u5f80\u5f80\u4f1a\u56de\u907f\u4e00\u4e2a\u95ee\u9898\uff0c\u90a3\u5c31\u662f\u201c\u7406\u60f3\u201d\u548c\u201c\u8d1f\u62c5\u5f97\u8d77\u201d\u7684\u623f\u5b50\uff0c\u5728\u4e24\u8005\u4e4b\u95f4\u5982\u4f55\u53d6\u820d\u3002\u4f4f\u623f\u662f\u5426\u53ef\u8d1f\u62c5\u7684\u95ee\u9898\uff0c\u5e38\u5e38\u88ab\u4e2a\u4eba\u4e0d\u5339\u914d\u7684\u671f\u671b\u6240\u6df7\u6dc6\u3002<\/p>\n\n\n\n<p>\u8d2d\u623f\u662f\u4e00\u9879\u5927\u7b14\u8d44\u91d1\u7684\u957f\u671f\u6295\u8d44\uff0c\u5fc5\u987b\u91cf\u529b\u800c\u4e3a\uff0c\u4e0d\u80fd\u592a\u6267\u7740\uff0c\u505a\u51fa\u60c5\u7eea\u5316\u7684\u9519\u8bef\u6289\u62e9\u3002\u5bf9\u4e00\u822c\u5bb6\u5ead\u6765\u8bf4\uff0c\u8c6a\u534e\u79c1\u4eba\u516c\u5bd3\u4ecd\u7136\u662f\u6bd4\u8f83\u6602\u8d35\u7684\u623f\u5b50\u7c7b\u578b\uff0c\u53ef\u80fd\u8fd8\u662f\u8f83\u8d1f\u62c5\u4e0d\u8d77\u7684\u9009\u9879\u3002\u5982\u80fd\u9000\u4e00\u6b65\u4e70\u4e00\u4e2a\u5408\u9002\u7684\u7ec4\u5c4b\uff0c\u8d1f\u62c5\u80fd\u529b\u7684\u95ee\u9898\u4e5f\u968f\u4e4b\u53d8\u5f97\u65e0\u5173\u7d27\u8981\u4e86\u3002<\/p>\n\n\n\n<p><strong>\u7a0b\u5929\u5bcc (Sing Tien Foo)\uff1a\u65b0\u52a0\u5761\u56fd\u7acb\u5927\u5b66\u5546\u5b66\u9662\u623f\u5730\u4ea7\u7cfb\u6559\u52a1\u957f\u8bb2\u5e2d\u6559\u6388\uff0c\u66fe\u4efb\u65b0\u52a0\u5761\u56fd\u7acb\u5927\u5b66\u57ce\u5e02\u4e0e\u5730\u4ea7\u7814\u7a76\u9662\u9662\u957f\uff082015-2022\u5e74\uff09\u548c\u623f\u5730\u4ea7\u7cfb\u7cfb\u4e3b\u4efb\uff082020-2022\u5e74\uff09\uff0c\u4e9a\u6d32\u623f\u5730\u4ea7\u5b66\u4f1a\u4e3b\u5e2d\u5e76\u62c5\u4efb\u8be5\u5b66\u4f1a\u548c\u5168\u7403\u534e\u4eba\u4e0d\u52a8\u4ea7\u5b66\u4f1a\u7684\u5e38\u52a1\u7406\u4e8b\uff0c\u662f\u7f8e\u56fdWeimer School and Hoyt Academic Fellow\u623f\u5730\u4ea7\u4e0e\u571f\u5730\u7ecf\u6d4e\u9ad8\u7ea7\u7814\u7a76\u5b66\u9662\u7684\u9662\u58eb\u548c\u535a\u58eb\u540e\u8363\u8a89\u4f1a\u5458\u3002\u76ee\u524d\uff0c\u4ed6\u662f\u300a\u73af\u7403\u4e0d\u52a8\u4ea7\u8bc4\u8bba\u300b\uff08International Real Estate Review, IRER\uff09\u7684\u4e3b\u7f16\u3002<\/strong><br><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u4e70\u623f\u7684\u70e6\u607c\uff0c\u662f\u56e0\u4e3a\u4ef7\u683c\u592a\u9ad8\u800c\u65e0\u6cd5\u8d1f\u62c5\uff0c\u8fd8\u662f\u56e0\u4e3a\u9009\u623f\u5b50\u7684\u6761\u4ef6\u592a\u591a\uff0c\u800c\u65e0\u6cd5\u627e\u5230\u7406\u60f3\u7684\u623f\u5b50\uff1f\u6211\u4eec\u53ef\u4ee5\u5229\u7528\u4e09\u4e2a\u4e0d\u540c\u7684\u65b9 [&hellip;]<\/p>\n","protected":false},"author":17,"featured_media":40793,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[429,3806,22],"tags":[4482,4483,2699],"class_list":["post-40791","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-429","category-3806","category-22","tag-4482","tag-4483","tag-bto"],"_links":{"self":[{"href":"https:\/\/az.c.adneti.net\/cn\/index.php?rest_route=\/wp\/v2\/posts\/40791"}],"collection":[{"href":"https:\/\/az.c.adneti.net\/cn\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/az.c.adneti.net\/cn\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/az.c.adneti.net\/cn\/index.php?rest_route=\/wp\/v2\/users\/17"}],"replies":[{"embeddable":true,"href":"https:\/\/az.c.adneti.net\/cn\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=40791"}],"version-history":[{"count":2,"href":"https:\/\/az.c.adneti.net\/cn\/index.php?rest_route=\/wp\/v2\/posts\/40791\/revisions"}],"predecessor-version":[{"id":40794,"href":"https:\/\/az.c.adneti.net\/cn\/index.php?rest_route=\/wp\/v2\/posts\/40791\/revisions\/40794"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/az.c.adneti.net\/cn\/index.php?rest_route=\/wp\/v2\/media\/40793"}],"wp:attachment":[{"href":"https:\/\/az.c.adneti.net\/cn\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=40791"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/az.c.adneti.net\/cn\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=40791"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/az.c.adneti.net\/cn\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=40791"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}