{"id":95532,"date":"2025-12-03T19:42:02","date_gmt":"2025-12-04T00:42:02","guid":{"rendered":"https:\/\/www.chinesepress.com\/2025\/12\/03\/%e5%8a%a0%e6%8b%bf%e5%a4%a7%e6%88%bf%e4%b8%bb%e4%bb%987000%e7%bd%9a%e9%87%91%ef%bc%8c%e6%8f%90%e5%89%8d%e8%a7%a3%e7%ba%a6%e6%8d%a2%e4%bd%8e%e5%88%a9%e7%8e%87%ef%bc%81%e6%9c%80%e7%bb%88%e5%87%80\/"},"modified":"2025-12-03T19:42:02","modified_gmt":"2025-12-04T00:42:02","slug":"%e5%8a%a0%e6%8b%bf%e5%a4%a7%e6%88%bf%e4%b8%bb%e4%bb%987000%e7%bd%9a%e9%87%91%ef%bc%8c%e6%8f%90%e5%89%8d%e8%a7%a3%e7%ba%a6%e6%8d%a2%e4%bd%8e%e5%88%a9%e7%8e%87%ef%bc%81%e6%9c%80%e7%bb%88%e5%87%80","status":"publish","type":"post","link":"https:\/\/www.chinesepress.com\/pre\/archives\/95532","title":{"rendered":"\u52a0\u62ff\u5927\u623f\u4e3b\u4ed8$7000\u7f5a\u91d1\uff0c\u63d0\u524d\u89e3\u7ea6\u6362\u4f4e\u5229\u7387\uff01\u6700\u7ec8\u51c0\u7701$2\u4e07\u591a\uff01"},"content":{"rendered":"

\u5982\u679c\u4f60\u57282022\u5e74\u52302023\u5e74<\/strong>\u4e4b\u95f4\u7eed\u7b7e\u4e86\u56fa\u5b9a\u623f\u8d37\uff0c\u90a3\u4e48\u73b0\u5728\u591a\u534a\u4f1a\u6709\u70b9\u540e\u6094\u3002<\/p>\n

\n<\/figure>\n

\u81ea2023\u5e7410\u6708\u4ee5\u6765\uff0c\u52a0\u62ff\u5927\u56fa\u5b9a\u5229\u7387\u6301\u7eed\u4e0b\u964d\uff0c\u6839\u636eRatehub\u7684\u6570\u636e\uff0c\u622a\u81f311\u6708\u5e95\uff0c\u4e94\u5e74\u671f\u5229\u7387\u5df2\u7ecf\u4f4e\u81f33.79%\u3002<\/p>\n

\u4e8e\u662f\uff0c\u8d8a\u6765\u8d8a\u591a\u7684\u623f\u4e3b\u5f00\u59cb\u7ea0\u7ed3\uff1a\u662f\u5426\u53ef\u4ee5\u63d0\u524d\u7ec8\u6b62\u73b0\u5728\u7684\u5408\u540c\uff0c\u7136\u540e\u62ff\u5230\u66f4\u4f4e\u5229\u7387\u91cd\u65b0\u8d37\u6b3e\uff1f<\/p>\n

\u4ece\u6280\u672f\u4e0a\u6765\u8bb2\uff0c\u5373\u4f7f\u623f\u4e3b\u73b0\u5728\u4ecd\u5904\u5728\u56fa\u5b9a\u5229\u7387\u671f\u9650\u5408\u540c\u4e2d\uff0c\u4ecd\u7136\u53ef\u4ee5\u63d0\u524d\u89e3\u7ea6\u623f\u8d37\u5e76\u91cd\u65b0\u8d37\u6b3e\uff0c\u4f46\u662f\uff0c\u8fd9\u6761\u8def\u7684\u6210\u672c\u6709\u70b9\u9ad8\uff01<\/p>\n

\n<\/figure>\n

\u623f\u8d37\u7c7b\u578b\u51b3\u5b9a\u662f\u5426\u9700\u8981\u652f\u4ed8\u7f5a\u91d1<\/p>\n

Rates.ca\u7684\u623f\u8d37\u4e13\u5bb6Victor Tran\u660e\u786e\u8868\u793a\uff0c\u5224\u65ad\u662f\u5426\u80fd\u8f7b\u677e\u63d0\u524d\u89e3\u7ea6\uff0c\u9996\u5148\u5c31\u662f\u786e\u8ba4\u4f60\u7684\u623f\u8d37\u7c7b\u578b\uff0c\u662f\u5f00\u653e\u5f0f\u623f\u8d37\uff08Open Mortgage\uff09\u8fd8\u662f\u5c01\u95ed\u5f0f\u623f\u8d37\uff08Closed Mortgage\uff09\uff1f<\/p>\n

\u901a\u5e38\u60c5\u51b5\u4e0b\uff0c\u5f00\u653e\u5f0f\u623f\u8d37\u53ef\u5728\u4e0d\u4ed8\u7f5a\u91d1\u7684\u524d\u63d0\u4e0b\u63d0\u524d\u7ec8\u6b62\u5408\u540c<\/strong>\uff1b\u800c\u5c01\u95ed\u5f0f\u623f\u8d37\u82e5\u8981\u63d0\u524d\u89e3\u7ea6\uff0c\u5219\u5f80\u5f80\u9700\u8981\u652f\u4ed8\u76f8\u5f53\u9ad8\u989d\u7684\u7f5a\u91d1\u3002<\/strong><\/p>\n

\u5bf9\u4e8e\u56fa\u5b9a\u5229\u7387\u623f\u8d37\u800c\u8a00\uff0c\u63d0\u524d\u89e3\u7ea6\u7684IRD\uff08Interest Rate Differential\uff09\u7f5a\u91d1\uff0c\u5f80\u5f80\u9ad8\u5f97\u4ee4\u4eba\u53d1\u6307\u3002<\/p>\n

\u56fa\u5b9a\u5229\u7387\u7684\u7f5a\u91d1\u901a\u5e38\u5728\u201c\u4e24\u8005\u53d6\u9ad8\u201d\u7684\u539f\u5219\u4e0b\u8ba1\u7b97\uff1a\u4e00\u662f\u4e09\u4e2a\u6708\u5229\u606f\uff0c\u4e8c\u662f\u5229\u7387\u5dee\u989d\u8865\u507f\uff08IRD\uff09\u3002<\/p>\n

True North Mortgage\u521b\u59cb\u4ebaDan Eisner\u4e5f\u8868\u793a\uff0c\u5404\u5bb6\u8d37\u6b3e\u673a\u6784\u8ba1\u7b97IRD\u7684\u65b9\u5f0f\u4e0d\u4e00\u6837\uff0c\u6709\u4e9b\u751a\u81f3\u5b58\u5728\u660e\u663e\u5dee\u5f02\uff0c\u800cIRD\u7f5a\u91d1\u672c\u8eab\u201c\u53ef\u80fd\u76f8\u5f53\u6b8b\u9177\u201d\u3002<\/p>\n

\u4ed6\u4e3e\u4f8b\u8bf4\u5230\uff0c\u4e00\u4f4d\u623f\u4e3b\u57282023\u5e7411\u6708\u4ee56%\u7684\u56fa\u5b9a\u5229\u7387\u7b7e\u4e0b\u4e94\u5e74\u671f\u623f\u8d37\uff0c\u5269\u4f59\u8d37\u6b3e\u4f59\u989d\u4e3a$50\u4e07\u5143\uff0c\u6839\u636e\u9053\u660e\u94f6\u884c\uff08TD\uff09\u5728\u7ebf\u8ba1\u7b97\u5668\u7684\u4f30\u7b97\uff0c\u5176\u63d0\u524d\u89e3\u7ea6\u7684\u7f5a\u91d1\u63a5\u8fd1$3\u4e07\u5143\u3002<\/p>\n

\u5bf9\u4e8e\u5927\u90e8\u5206\u5bb6\u5ead\u800c\u8a00\uff0c\u8fd9\u4e48\u9ad8\u7684\u7f5a\u91d1\u65e0\u7591\u662f\u4e00\u9879\u6c89\u91cd\u8d1f\u62c5\u3002<\/p>\n

\n<\/figure>\n

\u9009\u62e9\u201c\u518d\u878d\u8d44\u201d\u652f\u4ed8\u7f5a\u91d1<\/p>\n

\u56e0\u4e3a\u7edd\u5927\u591a\u6570\u4eba\u6ca1\u6709\u8fd9\u4e48\u7684\u73b0\u91d1\u4e00\u6b21\u6027\u652f\u4ed8\u8fd9\u4e48\u9ad8\u7684\u7f5a\u91d1\uff0c\u5f88\u591a\u4eba\u4f1a\u9009\u62e9\u901a\u8fc7\u518d\u878d\u8d44\uff08refinance\uff09\u7684\u65b9\u5f0f\u6765\u5904\u7406\u63d0\u524d\u89e3\u7ea6\u7684\u6210\u672c\u3002<\/p>\n

Victor Tran\u89e3\u91ca\uff0c\u8fd9\u8868\u793a\u623f\u4e3b\u5c06\u7f5a\u91d1\u76f4\u63a5\u6eda\u5165\u65b0\u7684\u623f\u8d37\u4e2d\u3002\u4f46\u8fd9\u4e5f\u5e26\u6765\u989d\u5916\u6d41\u7a0b\uff0c\u5305\u62ec\u91cd\u65b0\u8d44\u683c\u5ba1\u67e5\u3001\u53ef\u80fd\u7684\u623f\u4ea7\u91cd\u65b0\u4f30\u4ef7\u3001\u6cd5\u5f8b\u624b\u7eed\u3001\u65b0\u623f\u8d37\u767b\u8bb0\u8d39\u7528\u4ee5\u53ca\u623f\u8d37\u6ce8\u9500\u8d39\u7b49\uff0c\u8fd9\u4e9b\u6210\u672c\u90fd\u4f1a\u9010\u6b65\u7d2f\u79ef\uff0c\u8ba9\u63d0\u524d\u89e3\u7ea6\u7684\u603b\u6210\u672c\u4e0d\u65ad\u52a0\u7801\u3002<\/p>\n

\u90a3\u4e48\uff0c\u8fd9\u6837\u7684\u63d0\u524d\u89e3\u7ea6\u5230\u5e95\u503c\u4e0d\u503c\u5f97\uff1f<\/p>\n

Tran\u7ed9\u51fa\u4e86\u4e00\u5957\u660e\u786e\u7684\u5224\u65ad\u6807\u51c6\uff1a\u53ea\u8981\u65b0\u7684\u623f\u8d37\u5728\u5230\u671f\u65f6\u7684\u672a\u507f\u4f59\u989d\u4f4e\u4e8e\u539f\u6709\u623f\u8d37\u5728\u5230\u671f\u65f6\u5e94\u6709\u7684\u4f59\u989d\uff0c\u4e14\u5dee\u989d\u8d85\u8fc7\u7f5a\u91d1\u4e0e\u6240\u6709\u9644\u52a0\u8d39\u7528\uff0c\u90a3\u4e48\u63d0\u524d\u89e3\u7ea6\u5c31\u662f\u503c\u5f97\u7684\u3002<\/p>\n

\u6362\u53e5\u8bdd\u8bf4\uff0c\u5c31\u662f\u8981\u770b\u7701\u4e0b\u7684\u5229\u606f\u662f\u5426\u8db3\u4ee5\u8986\u76d6\u5168\u90e8\u6210\u672c\u3002<\/p>\n

\u4ed6\u4e5f\u63d0\u5230\uff0c\u5728\u5c11\u6570\u60c5\u51b5\u4e0b\uff0c\u5373\u4fbf\u65e0\u6cd5\u8fbe\u5230\u201c\u56de\u672c\u201d\uff0c\u4e00\u4e9b\u623f\u4e3b\u4ecd\u7136\u613f\u610f\u652f\u4ed8\u7f5a\u91d1\uff0c\u56e0\u4e3a\u4ed6\u4eec\u9884\u671f\u672a\u6765\u7eed\u7ea6\u65f6\u7684\u5229\u7387\u53ef\u80fd\u4f1a\u66f4\u9ad8\u3002\u57282020\u5e74\u52302021\u5e74\u5229\u7387\u4f4e\u81f32%\u4ee5\u4e0b\u7684\u65f6\u5019\uff0cTran\u5c31\u5904\u7406\u8fc7\u8fd9\u6837\u7684\u6848\u4f8b\uff0c\u4e8b\u5b9e\u4e5f\u8bc1\u660e\u8fd9\u4e9b\u623f\u4e3b\u6700\u7ec8\u83b7\u76ca\u786e\u5b9e\u4e0d\u5c0f\u3002<\/p>\n

\u652f\u4ed8$7000\u7f5a\u6b3e\uff0c\u8282\u7701$2\u4e07\u591a\u5229\u606f<\/p>\n

Eisner\u4e5f\u5206\u4eab\u4e86\u4e00\u4e2a\u6210\u529f\u63d0\u524d\u89e3\u7ea6\u7684\u771f\u5b9e\u6848\u4f8b\u3002<\/p>\n

\u4ed6\u7684\u4e00\u4f4d\u5ba2\u6237\u539f\u672c\u7684\u623f\u8d37\u5229\u7387\u4e3a5.99%\uff0c\u901a\u8fc7\u63d0\u524d\u89e3\u7ea6\u8f6c\u6362\u62104.45%\u7684\u6d6e\u52a8\u5229\u7387\u540e\uff0c\u6bcf\u6708\u8282\u7701$359\u5143\u7684\u623f\u8d37\u652f\u51fa\u3002\u5c3d\u7ba1\u4ed6\u4eec\u652f\u4ed8\u4e86$7000\u5143\u7f5a\u91d1\uff0c\u5e76\u672a\u5c06\u7f5a\u91d1\u5e76\u5165\u65b0\u8d37\u6b3e\uff0c\u4f46\u6263\u9664\u7f5a\u91d1\u540e\uff0c\u51c0\u8282\u7701\u91d1\u989d\u7adf\u7136\u6709$20,597.57\u5143\u3002<\/p>\n

\u800c\u4e14\u968f\u7740\u6d6e\u52a8\u5229\u7387\u968f\u540e\u964d\u81f33.45%\uff0c\u8282\u7701\u7684\u91d1\u989d\u8282\u8282\u6500\u5347\u3002\u8fd9\u79cd\u201c\u957f\u75db\u4e0d\u5982\u77ed\u75db\u201d\u7684\u7b56\u7565\u5728\u4e00\u4e9b\u60c5\u51b5\u4e0b\u786e\u5b9e\u80fd\u591f\u5e26\u6765\u660e\u663e\u7684\u7ecf\u6d4e\u4f18\u52bf\u3002<\/p>\n

\n<\/figure>\n

\u7136\u800c\uff0c\u7b49\u5f85\u5229\u7387\u7ee7\u7eed\u4e0b\u964d\u4e5f\u4e0d\u662f\u5b8c\u5168\u65e0\u98ce\u9669\u7684\u3002<\/p>\n

Eisner\u7279\u522b\u63d0\u9192\uff1a\u201c\u5f53\u5229\u7387\u4e0b\u964d\u65f6\uff0c\u5229\u7387\u5dee\u989d\u8865\u507fIRD\u7684\u7f5a\u91d1\u53cd\u800c\u4f1a\u53d8\u5f97\u66f4\u9ad8\u3002\u4e5f\u5c31\u662f\u8bf4\uff0c\u7b49\u5229\u7387\u964d\u5f97\u66f4\u4f4e\uff0c\u63d0\u524d\u89e3\u7ea6\u7684\u6210\u672c\u53ef\u80fd\u8d8a\u9ad8\uff0c\u8fd9\u4e5f\u662f\u623f\u4e3b\u5728\u72b9\u8c6b\u65f6\u5fc5\u987b\u8003\u8651\u7684\u5173\u952e\u56e0\u7d20\u3002\u201d<\/p>\n

\u63d0\u524d\u89e3\u7ea6\u4e0d\u4f1a\u76f4\u63a5\u5f71\u54cd\u4fe1\u7528\u5206<\/p>\n

\u5982\u679c\u4e0d\u60f3\u652f\u4ed8\u7f5a\u91d1\uff0c\u623f\u4e3b\u4e5f\u53ef\u4ee5\u5c1d\u8bd5\u4e0e\u73b0\u6709\u8d37\u6b3e\u673a\u6784\u6c9f\u901a\u3002<\/p>\n

Tran\u4ecb\u7ecd\u4e86\u4e24\u79cd\u65e0\u9700\u652f\u4ed8\u63d0\u524d\u89e3\u7ea6\u7f5a\u91d1\u7684\u65b9\u6848\uff1a\u201cblend and extend\u201d\uff08\u6df7\u5408\u5e76\u5ef6\u957f\u8d37\u6b3e\u671f\u9650\uff09\u548c\u201cblend and increase\u201d\uff08\u6df7\u5408\u5e76\u589e\u52a0\u8d37\u6b3e\u989d\u5ea6\uff09\u3002<\/p>\n

\u8fd9\u4e24\u79cd\u65b9\u5f0f\u90fd\u662f\u5c06\u539f\u6709\u5229\u7387\u4e0e\u5f53\u524d\u5e02\u573a\u5229\u7387\u6df7\u5408\uff0c\u4f46\u6df7\u5408\u540e\u7684\u5229\u7387\u4e0d\u4f1a\u50cf\u91cd\u65b0\u7b7e\u7f72\u5168\u65b0\u623f\u8d37\u90a3\u6837\u4f4e\u3002\u5b83\u4eec\u7684\u4f18\u70b9\u5219\u662f\u5728\u4e8e\u4e0d\u9700\u8981\u627f\u62c5\u63d0\u524d\u89e3\u7ea6\u7684\u7f5a\u91d1\uff0c\u9002\u5408\u4f5c\u4e3a\u6298\u4e2d\u9009\u62e9\u3002<\/p>\n

\u6b64\u5916\uff0c\u63d0\u524d\u89e3\u7ea6\u672c\u8eab\u5e76\u4e0d\u4f1a\u76f4\u63a5\u5f71\u54cd\u623f\u4e3b\u7684\u4fe1\u7528\u8bc4\u5206\u3002\u4f46\u5982\u679c\u7531\u4e8e\u652f\u4ed8\u7f5a\u91d1\u6216\u5176\u4ed6\u8fc7\u7a0b\u8d39\u7528\u5bfc\u81f4\u8d26\u52a1\u7d27\u5f20\u6216\u51fa\u73b0\u5ef6\u8fdf\u4ed8\u6b3e\uff0c\u5c31\u53ef\u80fd\u95f4\u63a5\u5f71\u54cd\u4fe1\u7528\uff0c\u8fd9\u4e00\u70b9\u4e5f\u4e0d\u5bb9\u5ffd\u89c6\u3002<\/p>\n

\n<\/figure>\n

\u4f55\u65f6\u63d0\u524d\u89e3\u7ea6\u6700\u201c\u5212\u7b97\u201d\uff1f<\/p>\n

\u81f3\u4e8e\u4ec0\u4e48\u65f6\u5019\u6700\u9002\u5408\u63d0\u524d\u89e3\u7ea6\uff0cZlatkin\u6307\u51fa\uff0c\u623f\u8d37\u671f\u9650\u7684\u6700\u5f00\u59cb\u9636\u6bb5\u6216\u4e34\u8fd1\u7eed\u7ea6\u65e5\u65f6\u5f80\u5f80\u662f\u201c\u871c\u6708\u671f\u201d\u3002<\/p>\n

\u67d0\u4e9b\u8d37\u6b3e\u673a\u6784\u5728\u5408\u540c\u5934\u516d\u4e2a\u6708\u5141\u8bb8\u514d\u7f5a\u91d1\u89e3\u7ea6\uff0c\u6216\u8005\u5728\u7eed\u7ea6\u65e5\u524d\u516d\u4e2a\u6708\u5f00\u59cb\u964d\u4f4e\u6216\u514d\u9664\u7f5a\u91d1\u3002<\/p>\n

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