{"id":95254,"date":"2025-12-02T21:15:00","date_gmt":"2025-12-03T02:15:00","guid":{"rendered":"https:\/\/www.chinesepress.com\/?p=95254"},"modified":"2025-12-02T21:46:58","modified_gmt":"2025-12-03T02:46:58","slug":"%e6%88%bf%e8%b2%b8%e5%88%a9%e7%8e%87%e5%a4%a7%e8%b7%8c-%e8%b2%b7%e5%ae%b6%e5%b0%87%e6%8e%80%e8%b5%b7%e6%8f%90%e5%89%8d%e8%a7%a3%e7%b4%84%e6%bd%ae","status":"publish","type":"post","link":"https:\/\/www.chinesepress.com\/pre\/archives\/95254","title":{"rendered":"\u623f\u8cb8\u5229\u7387\u5927\u8dcc  \u8cb7\u5bb6\u5c07\u6380\u8d77&#8221;\u63d0\u524d\u89e3\u7d04\u6f6e&#8221;"},"content":{"rendered":"<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large\"><img decoding=\"async\" width=\"400\" height=\"300\" src=\"https:\/\/www.chinesepress.com\/wp-content\/uploads\/2025\/12\/20251202_17647176995459-400x300.jpg\" alt=\"\" class=\"wp-image-95255\" srcset=\"https:\/\/www.chinesepress.com\/pre\/wp-content\/uploads\/2025\/12\/20251202_17647176995459-400x300.jpg 400w, https:\/\/www.chinesepress.com\/pre\/wp-content\/uploads\/2025\/12\/20251202_17647176995459-200x150.jpg 200w, https:\/\/www.chinesepress.com\/pre\/wp-content\/uploads\/2025\/12\/20251202_17647176995459.jpg 650w\" sizes=\"(max-width: 400px) 100vw, 400px\" \/><\/figure>\n<\/div>\n\n\n<p>\u5982\u679c\u4f60\u57282022\u62162023\u5e74\u7e8c\u4e86\u56fa\u5b9a\u5229\u7387\u623f\u8cb8\uff0c\u73fe\u5728\u53ef\u80fd\u6b63\u611f\u5230\u5f8c\u6094\u3002\u81ea2023\u5e7410\u6708\u4ee5\u4f86\uff0c\u56fa\u5b9a\u5229\u7387\u4e00\u8def\u4e0b\u964d\uff0c\u6839\u64daRatehub\u6578\u64da\uff0c\u622a\u81f311\u6708\u5e95\uff0c\u4e94\u5e74\u671f\u56fa\u5b9a\u5229\u7387\u751a\u81f3\u4f4e\u81f33.79%\u3002<\/p>\n\n\n\n<p>\u597d\u6d88\u606f\u662f\uff1a\u5373\u4f7f\u4f60\u88ab\u201c\u9396\u6b7b\u201d\u5728\u56fa\u5b9a\u5229\u7387\u91cc\uff0c\u4f60\u4ecd\u7136\u53ef\u4ee5\u9078\u64c7\u63d0\u524d\u7d42\u6b62\u73fe\u6709\u623f\u8cb8\u4e26\u4ee5\u66f4\u4f4e\u7684\u5229\u7387\u91cd\u65b0\u8cb8\u6b3e\u3002<\/p>\n\n\n\n<p>\u4f46\u58de\u6d88\u606f\u4e5f\u540c\u6a23\u660e\u78ba\uff1a\u9019\u6a23\u505a\u6703\u4ed8\u51fa\u4e0d\u5c0f\u7684\u4ee3\u50f9\uff0c\u6709\u6642\u91d1\u984d\u76f8\u7576\u9a5a\u4eba\u3002\u90a3\u9ebc\uff0c\u503c\u4e0d\u503c\u5f97\uff1f<\/p>\n\n\n\n<p>\u6e25\u592a\u83ef\u6301\u724c\u623f\u8cb8\u7d93\u7d00\u3001LowestRates.ca\u5c08\u5bb6Leah Zlatkin\u8868\u793a\uff1a\u9019\u5b8c\u5168\u53d6\u6c7a\u65bc\u56b4\u8b39\u7684\u6578\u5b78\u8a08\u7b97\u3002\u201c\u6578\u5b57\u4e0d\u6703\u9a19\u4eba\uff0c\u201dZlatkin\u8aaa\u3002\u201c\u5f88\u591a\u4eba\u53ea\u6191\u76f4\u89ba\uff0c\u4f46\u76f4\u89ba\u5f88\u53ef\u80fd\u662f\u932f\u7684\u3002\u4f60\u9700\u8981\u770b\u771f\u5be6\u6578\u5b57\uff0c\u627e\u51fa\u662f\u5426\u771f\u7684\u80fd\u7701\u9322\u3002\u201d<\/p>\n\n\n\n<p><strong>\u7b2c\u4e00\u6b65\uff1a\u4f60\u662f\u4ec0\u9ebc\u985e\u578b\u7684\u623f\u8cb8\uff1f<\/strong><\/p>\n\n\n\n<p>Rates.ca\u7684\u623f\u8cb8\u8207\u623f\u5730\u7522\u5c08\u5bb6Victor Tran\u8868\u793a\uff0c\u4f60\u5fc5\u9808\u5148\u5f04\u6e05\u695a\u5169\u9ede\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u4f60\u7684\u623f\u8cb8\u662f\u56fa\u5b9a\u5229\u7387\u9084\u662f\u6d6e\u52d5\u5229\u7387\uff1f<\/li>\n\n\n\n<li>\u662f\u53ef\u63d0\u524d\u7d42\u6b62\uff08open mortgage\uff09\u9084\u662f\u4e0d\u53ef\u96a8\u610f\u7d42\u6b62\uff08closed mortgage\uff09\uff1f<\/li>\n<\/ul>\n\n\n\n<p>\u5982\u679c\u662fopen mortgage\uff0c\u4e00\u822c\u53ef\u4ee5\u7121\u7f70\u91d1\u63d0\u524d\u7d42\u6b62\uff1b\u4f46closed mortgage\u7684\u7f70\u91d1\u53ef\u80fd\u975e\u5e38\u9ad8\uff0c\u53d6\u6c7a\u65bc\u623f\u8cb8\u985e\u578b\uff0c\u5269\u9918\u5e74\u9650\u548c\u65b0\u820a\u5229\u7387\u5dee\u3002<\/p>\n\n\n\n<p>\u5c0d\u65bc\u56fa\u5b9a\u5229\u7387\u623f\u8cb8\uff0c\u5229\u7387\u5728\u6574\u500b\u671f\u9650\u5167\u90fd\u4e0d\u8b8a\uff08\u901a\u5e38\u662f\u4e09\u5e74\u6216\u4e94\u5e74\uff09\u3002\u6b64\u985e\u623f\u8cb8\u7684\u7f70\u91d1\u901a\u5e38\u662f\u4e09\u500b\u6708\u5229\u606f\u6216\u5229\u7387\u5dee\u984d\u7f70\u91d1\uff08IRD\uff0c\u8a08\u7b97\u8907\u96dc\uff09\u4e2d\u66f4\u9ad8\u7684\u4e00\u9805\u3002<\/p>\n\n\n\n<p>True North Mortgage\u5275\u8fa6\u4eba\u517cCEO Dan Eisner \u8868\u793a\uff0c\u4e0d\u540c\u8cb8\u65b9\u5c0dIRD\u7684\u7b97\u6cd5\u7565\u6709\u4e0d\u540c\uff0c\u6709\u6642\u751a\u81f3\u5dee\u7570\u5de8\u5927\uff0c\u201c\u9019\u4e9bIRD\u7f70\u91d1\u53ef\u80fd\u975e\u5e38\u6b98\u9177\u3002\u201d<\/p>\n\n\n\n<p><strong>\u7b2c\u4e8c\u6b65\uff1a\u5982\u4f55\u8a08\u7b97\u7f70\u91d1<\/strong><\/p>\n\n\n\n<p>\u8981\u8a08\u7b97\u7f70\u91d1\uff0c\u4f60\u9700\u8981\u77e5\u9053\uff1a\u4f60\u7576\u524d\u7684\u5229\u7387\u8207\u65b0\u5229\u7387\u7684\u5dee\u984d\uff0c\u4ee5\u53ca\u9280\u884c\u56e0\u6b64\u640d\u5931\u7684\u5229\u606f\u662f\u591a\u5c11\u3002<\/p>\n\n\n\n<p>\u4f8b\u5b50\uff1a\u5047\u8a2d\u4f60\u57282023\u5e7411\u6708\u7c3d\u4e86\u4e00\u4efd\u4e94\u5e74\u671f\u30016%\u7684\u56fa\u5b9a\u623f\u8cb8\uff08\u7576\u6642\u78ba\u5be6\u53ef\u80fd\uff09\uff0c\u5269\u9918\u623f\u8cb8\u9918\u984d\u70ba50\u842c\u52a0\u5143\u3002<\/p>\n\n\n\n<p>\u6839\u64da\u9053\u660e\u9280\u884c\uff08TD\uff09\u7684\u5728\u7dda\u8a08\u7b97\u5668\uff0c\u7f70\u91d1\u5c07\u63a5\u8fd13\u842c\u52a0\u5143\u3002<\/p>\n\n\n\n<p>Tran\u8aaa\uff0c\u591a\u6578\u5ba2\u6236\u6c92\u6709\u9019\u9ebc\u591a\u73fe\u91d1\uff0c\u56e0\u6b64\u53ea\u80fd\u901a\u904e\u91cd\u65b0\u8cb8\u6b3e\uff08refinance\uff09\uff0c\u628a\u7f70\u91d1\u52a0\u5165\u65b0\u7684\u623f\u8cb8\u9918\u984d\u3002\u9019\u53c8\u9700\u8981\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u91cd\u65b0\u8cc7\u683c\u5be9\u6838<\/li>\n\n\n\n<li>\u53ef\u80fd\u91cd\u65b0\u4f30\u503c\uff08appraisal\uff09<\/li>\n\n\n\n<li>\u6cd5\u5f8b\u624b\u7e8c<\/li>\n\n\n\n<li>\u539f\u623f\u8cb8\u8a3b\u92b7\u8cbb\u7528\uff08\u5e7e\u767e\u5143\u4e0d\u7b49\uff09<\/li>\n\n\n\n<li>\u5f8b\u5e2b\u8207\u4f30\u503c\u8cbb\u7528<\/li>\n<\/ul>\n\n\n\n<p>Tran\u89e3\u91cb\u5224\u65b7\u662f\u5426\u201c\u503c\u5f97\u201d\u7684\u95dc\u9375\u516c\u5f0f\u662f\uff1a\u5982\u679c\u65b0\u7684\u623f\u8cb8\u9918\u984d\u5728\u5230\u671f\u65e5\u6642\u4f4e\u65bc\u539f\u623f\u8cb8\u9918\u984d\uff0c\u800c\u4e14\u201c\u5dee\u984d\u201d\u5927\u65bc\u7f70\u91d1\u53ca\u6240\u6709\u8cbb\u7528\uff0c\u90a3\u9ebc\u5c31\u503c\u5f97\u63d0\u524d\u7d42\u6b62\u6216\u91cd\u65b0\u8cb8\u6b3e\u3002<\/p>\n\n\n\n<p>\u63db\u53e5\u8a71\u8aaa\uff1a\u53ea\u8981\u7e3d\u9ad4\u80fd\u7701\u9322\uff0c\u5c31\u503c\u5f97\u3002<\/p>\n\n\n\n<p>Tran\u4e5f\u9047\u5230\u904e\u5c11\u6578\u5ba2\u6236\uff0c\u5373\u4fbf\u7b97\u4e0b\u4f86\u4e0d\u201c\u6253\u5e73\u201d\uff0c\u4e5f\u9858\u610f\u4ed8\u7f70\u91d1\u3002\u56e0\u70ba\u4ed6\u5011\u76f8\u4fe1\u5230\u7e8c\u8cb8\u65e5\u5229\u7387\u53ef\u80fd\u66f4\u9ad8\u3002\u201c2020\u20132021\u5e74\u5229\u7387\u4e0d\u52302%\u6642\uff0c\u6211\u8655\u7406\u904e\u4e00\u4e9b\u9019\u6a23\u7684\u6848\u4f8b\uff0c\u4ed6\u5011\u6700\u5f8c\u8cfa\u5230\u4e86\u3002\u201d<\/p>\n\n\n\n<p>\u201c\u77ed\u75db\u63db\u9577\u5229\u3002\u201d<\/p>\n\n\n\n<p><strong>\u5be6\u6230\u6848\u4f8b\uff1a\u5229\u7387\u5dee\u770b\u4f3c\u5f88\u5c0f\uff0c\u4f46\u7d50\u679c\u5dee\u5f88\u591a<\/strong><\/p>\n\n\n\n<p>\u4e00\u4f4d\u5ba2\u6236\u63d0\u524d\u7d42\u6b62\u4e86\u56fa\u5b9a\u5229\u7387\u623f\u8cb8\u3002\u539f\u5229\u73875.99%\uff08\u4e94\u5e74\u671f\u56fa\u5b9a\uff09\uff0c\u65b0\u5229\u73874.45%\uff08\u4e94\u5e74\u671f\u6d6e\u52d5\uff09\u3002\u807d\u4e0a\u53bb\u5dee\u4e0d\u591a\uff0c\u4f46\u6bcf\u6708\u623f\u8cb8\u7acb\u7701359\u52a0\u5143\uff01<\/p>\n\n\n\n<p>\u623f\u8cb8\u7c3d\u65bc2023\u5e749\u6708\uff0c\u4ed6\u5011\u82b1\u4e867,000\u52a0\u5143\u63d0\u524d\u7d42\u6b62\uff0c\u9019\u7b46\u9322\u662f\u81ea\u638f\u8170\u5305\uff0c\u800c\u975e\u52a0\u9032\u8cb8\u6b3e\u3002\u6263\u9664\u7f70\u91d1\u5f8c\u7684\u6de8\u7bc0\u7701\u70ba20,597.57\u52a0\u5143\u3002\u73fe\u5728\u4ed6\u5011\u7684\u6d6e\u52d5\u5229\u7387\u5df2\u964d\u81f3 3.45%\u3002<\/p>\n\n\n\n<p>\u7136\u800cEisner\u4e5f\u63d0\u9192\uff1a\u201c\u7576\u5229\u7387\u4e0b\u964d\u6642\uff0cIRD\u7f70\u91d1\u6703\u4e0a\u5347\uff0c\u9019\u662f\u96d9\u5203\u528d\u3002\u201d<\/p>\n\n\n\n<p><strong>\u4e0d\u7528\u7f70\u91d1\u4e5f\u53ef\u80fd\u964d\u4f4e\u5229\u7387<\/strong><\/p>\n\n\n\n<p>Tran\u8aaa\u9084\u6709\u5169\u500b\u9014\u5f91\uff0c\u53ef\u80fd\u8b93\u4f60\u5728\u4e0d\u4ed8\u7f70\u91d1\u7684\u60c5\u6cc1\u4e0b\u7372\u5f97\u66f4\u4f4e\u5229\u7387\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u6df7\u5408\u65b0\u820a\u5229\u7387\u4e26\u5ef6\u9577\u5e74\u9650<\/li>\n\n\n\n<li>\u6df7\u5408\u5229\u7387\u4e26\u63d0\u9ad8\u8cb8\u6b3e\u984d\u5ea6\uff08\u91cd\u65b0\u878d\u8cc7\uff09<\/li>\n<\/ul>\n\n\n\n<p>\u9019\u5169\u7a2e\u5229\u7387\u90fd\u4e0d\u6703\u50cf\u91cd\u65b0\u7c3d\u65b0\u623f\u8cb8\u90a3\u9ebc\u4f4e\uff0c\u4f46\u6bd4\u539f\u5229\u7387\u66f4\u6709\u512a\u52e2\u3002<\/p>\n\n\n\n<p>\u4e0d\u904e\uff0c\u5982\u679c\u4f60\u4ed8\u4e0d\u8d77\u7f70\u91d1\u6216\u76f8\u95dc\u8cbb\u7528\uff0c\u53ef\u80fd\u9593\u63a5\u50b7\u5bb3\u4fe1\u7528\u5206\u3002<\/p>\n\n\n\n<p>Zlatkin \u5c07\u623f\u8cb8\u6bd4\u55bb\u70ba\u201c\u96ea\u82b1\u201d\uff1a\u201c\u6bcf\u4e00\u4efd\u90fd\u4e0d\u4e00\u6a23\uff0c\u6240\u4ee5\u4e00\u5b9a\u8981\u4ed4\u7d30\u95b1\u8b80\u689d\u6b3e\u3002\u201d<\/p>\n\n\n\n<p>\u5979\u8868\u793a\uff0c\u4e00\u822c\u4f86\u8b1b\uff0c\u63d0\u524d\u7d42\u6b62\u623f\u8cb8\u7684\u201c\u6700\u4f73\u6642\u6a5f\u201d\uff0c\u901a\u5e38\u662f\u5728\u671f\u9650\u6700\u521d\u6216\u63a5\u8fd1\u7e8c\u8cb8\u524d\u7684\u5e7e\u500b\u6708\u3002\u6709\u4e9b\u8cb8\u6b3e\u6a5f\u69cb\u5728\u982d\u516d\u500b\u6708\u6216\u63a5\u8fd1\u7e8c\u8cb8\u6642\u8a2d\u6709\u201c\u514d\u7f70\u91d1\u63d0\u524d\u7d42\u6b62\u201d\u689d\u6b3e\u3002<\/p>\n\n\n\n<p>\u7531\u65bc\u9019\u7576\u4e2d\u6d89\u53ca\u5927\u91cf\u8907\u96dc\u6578\u5b57\uff0c\u56e0\u6b64Zlatkin\u5f37\u70c8\u5efa\u8b70\u627e\u623f\u8cb8\u5c08\u696d\u4eba\u58eb\u5206\u6790\u4e0d\u540c\u65b9\u6848\u3002\u201c\u4e00\u500b\u597d\u7684\u623f\u8cb8\u9867\u554f\u6703\u7d66\u4f60\u6700\u9069\u5408\u7684\u5efa\u8b70\uff0c\u56e0\u70ba\u4ed6\u5011\u77e5\u9053\u9019\u80fd\u5e36\u4f86\u672a\u4f86\u66f4\u591a\u5ba2\u6236\u8f49\u4ecb\u3002\u201d<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u5982\u679c\u4f60\u57282022\u62162023\u5e74\u7e8c\u4e86\u56fa\u5b9a\u5229\u7387\u623f\u8cb8\uff0c\u73fe\u5728\u53ef\u80fd\u6b63\u611f\u5230\u5f8c\u6094\u3002\u81ea2023\u5e7410\u6708\u4ee5\u4f86\uff0c\u56fa\u5b9a\u5229\u7387\u4e00\u8def\u4e0b\u964d\uff0c\u6839\u64daRatehub\u6578\u64da\uff0c\u622a\u81f311\u6708\u5e95\uff0c\u4e94\u5e74\u671f\u56fa\u5b9a\u5229\u7387\u751a\u81f3\u4f4e\u81f33.79%\u3002 \u597d\u6d88\u606f\u662f\uff1a\u5373\u4f7f\u4f60\u88ab&hellip;<\/p>\n","protected":false},"author":2,"featured_media":95255,"comment_status":"closed","ping_status":"closed","sticky":true,"template":"","format":"standard","meta":{"footnotes":""},"categories":[131],"tags":[],"class_list":["post-95254","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-canada"],"_links":{"self":[{"href":"https:\/\/www.chinesepress.com\/pre\/wp-json\/wp\/v2\/posts\/95254","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.chinesepress.com\/pre\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.chinesepress.com\/pre\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.chinesepress.com\/pre\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.chinesepress.com\/pre\/wp-json\/wp\/v2\/comments?post=95254"}],"version-history":[{"count":1,"href":"https:\/\/www.chinesepress.com\/pre\/wp-json\/wp\/v2\/posts\/95254\/revisions"}],"predecessor-version":[{"id":95256,"href":"https:\/\/www.chinesepress.com\/pre\/wp-json\/wp\/v2\/posts\/95254\/revisions\/95256"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.chinesepress.com\/pre\/wp-json\/wp\/v2\/media\/95255"}],"wp:attachment":[{"href":"https:\/\/www.chinesepress.com\/pre\/wp-json\/wp\/v2\/media?parent=95254"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.chinesepress.com\/pre\/wp-json\/wp\/v2\/categories?post=95254"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.chinesepress.com\/pre\/wp-json\/wp\/v2\/tags?post=95254"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}