{"id":32579,"date":"2024-01-26T10:04:18","date_gmt":"2024-01-26T02:04:18","guid":{"rendered":"https:\/\/www.962900.com\/32579.html"},"modified":"2024-01-26T10:04:18","modified_gmt":"2024-01-26T02:04:18","slug":"%e8%b4%b7%e6%ac%be%e6%8a%b5%e6%8a%bc%e7%94%b5%e8%af%9d%e6%88%bf%e5%b1%8b%e6%8a%b5%e6%8a%bc%e8%b4%b7%e6%ac%be%e7%94%b5%e8%af%9d","status":"publish","type":"post","link":"https:\/\/www.962900.com\/32579.html","title":{"rendered":"\u8d37\u6b3e\u62b5\u62bc\u7535\u8bdd(\u623f\u5c4b\u62b5\u62bc\u8d37\u6b3e\u7535\u8bdd)?"},"content":{"rendered":"

\u94f6\u884c\u8d37\u6b3e\u5e74\u5229\u7387\u4e0e\u6708\u5229\u7387\u7684\u533a\u522b\u6709\uff1a<\/p>\n

1\u3001\u6362\u7b97\u7684\u5468\u671f\u4e0d\u540c<\/p>\n

\u6708\u5229\u7387\u662f\u6307\u6309\u6708\u8ba1\u606f\u7684\u5229\u606f\u4e0e\u672c\u91d1\u7684\u767e\u5206\u6bd4\uff0c\u5e74\u5229\u7387\u662f\u6307\u6309\u5e74\u8ba1\u606f\u7684\u5229\u606f\u4e0e\u672c\u91d1\u7684\u767e\u5206\u6bd4\u3002\u4e00\u822c\u6765\u8bf4\uff0c\u5e74\u5229\u7387\u662f\u767e\u5206\u4e4b\u51e0(%)\uff1b\u800c\u6708\u5229\u7387\u662f\u5343\u5206\u4e4b\u51e0(\u2030)\u3002<\/p>\n

2\u3001\u8d37\u6b3e\u6708\u5229\u7387\u548c\u5e74\u5229\u7387\u8ba1\u7b97\u4e0d\u540c<\/p>\n

\u5e74\u5229\u7387\uff1a\u662f\u6307\u5b58\u6b3e\u6216\u8d37\u6b3e\u4e00\u5e74\u7684\u5229\u7387\uff1b\u5e74\u5229\u7387\u00f712=\u6708\u5229\u7387\u3002\u6708\u5229\u7387\u662f\u6307\u5b58\u6b3e\u6216\u8d37\u6b3e\u4e00\u4e2a\u6708\u7684\u5229\u7387\uff1b\u6708\u5229\u7387\u00d712=\u5e74\u5229\u7387\u3002 \u4f8b\u5982\uff1a\u5e74\u5229\u7387\u662f6%\uff1b\u90a3\u6708\u5229\u7387\u5c31\u662f6%\u00f712=5%\u3002<\/p>\n

\u6708\u5229\u7387\u548c\u5e74\u5229\u7387\u7684\u6362\u7b97\u5173\u7cfb\u662f\uff1a\u6708\u5229\u7387=\u5e74\u5229\u7387\/12\uff0c\u76f8\u5e94\u7684\u5e74\u5229\u7387\u5c31\u53ef\u7528\u6708\u5229\u7387\u00d712\u8ba1\u7b97\u5f97\u51fa\u3002<\/p>\n

\u6bd4\u5982\u67d0\u5c0f\u989d\u8d37\u6b3e\u516c\u53f8\u7684\u8d37\u6b3e\u6708\u5229\u7387\u4e3a1.5%\uff0c\u5219\u5bf9\u5e94\u7684\u5e74\u5229\u7387\u6362\u7b97\u5c31\u4e3a1.5%\u00d712=18%\u3002\u5728\u6c11\u95f4\u501f\u8d37\u4e2d\u8d37\u6b3e\u5229\u606f\u591a\u8bf4\u7684\u662f\u6708\u606f\uff0c\u6bd4\u5982\u5e38\u89c1\u7684\u6708\u606f8\u5398\u3001\u6708\u606f1\u52065\uff0c\u5176\u5b9e\u5bf9\u5e94\u7684\u6708\u5229\u7387\u5c31\u5206\u522b\u4e3a0.8%\u30011.5%\uff0c\u6362\u7b97\u6210\u5e74\u5229\u7387\u5373\u4e3a9.6%\u300118%\u3002<\/p>\n

3\u3001\u8d37\u6b3e\u7684\u5229\u606f\u4e0d\u540c<\/p>\n

\u94f6\u884c\u53ef\u91c7\u7528\u79ef\u6570\u8ba1\u606f\u6cd5\u548c\u9010\u7b14\u8ba1\u606f\u6cd5\u8ba1\u7b97\u5229\u606f\u3002<\/p>\n

1\u3001\u79ef\u6570\u8ba1\u606f\u6cd5\u6309\u5b9e\u9645\u5929\u6570\u6bcf\u65e5\u7d2f\u8ba1\u8d26\u6237\u4f59\u989d\uff0c\u4ee5\u7d2f\u8ba1\u79ef\u6570\u4e58\u4ee5\u65e5\u5229\u7387\u8ba1\u7b97\u5229\u606f\u3002<\/p>\n

2\u3001\u9010\u7b14\u8ba1\u606f\u6cd5\u6309\u9884\u5148\u786e\u5b9a\u7684\u8ba1\u606f\u516c\u5f0f\u5229\u606f=\u672c\u91d1\u00d7\u5229\u7387\u00d7\u8d37\u6b3e\u671f\u9650\u9010\u7b14\u8ba1\u7b97\u5229\u606f\uff0c\u5177\u4f53\u6709\u4e09\uff1a<\/p>\n

\u8ba1\u606f\u671f\u4e3a\u6574\u5e74(\u6708)\u7684\uff0c\u8ba1\u606f\u516c\u5f0f\u4e3a\uff1a<\/p>\n

\u2460\u5229\u606f=\u672c\u91d1\u00d7\u5e74(\u6708)\u6570\u00d7\u5e74(\u6708)\u5229\u7387<\/p>\n

\u8ba1\u606f\u671f\u6709\u6574\u5e74(\u6708)\u53c8\u6709\u96f6\u5934\u5929\u6570\u7684\uff0c\u8ba1\u606f\u516c\u5f0f\u4e3a\uff1a<\/p>\n

\u2461\u5229\u606f=\u672c\u91d1\u00d7\u5e74(\u6708)\u6570\u00d7\u5e74(\u6708)\u5229\u7387+\u672c\u91d1\u00d7\u96f6\u5934\u5929\u6570\u00d7\u65e5\u5229\u7387<\/p>\n

\u8d37\u6b3e\u5229\u606f\u7684\u8ba1\u7b97\u6bd4\u8f83\u590d\u6742\uff1a\u671f\u6ee1\u4e00\u6b21\u6027\u8fd8\u6e05\u7684\uff0c\u540c\u5b58\u6b3e\u5229\u606f\u7684\u8ba1\u7b97\uff08\u5b58\u6b3e\u5229\u606f=\u672c\u91d1*\u5229\u7387*\u671f\u9650\uff09\u3002\u6309\u63ed\u8d37\u6b3e\u5229\u606f\u7684\u8ba1\u7b97\uff0c\u662f\u7528\u5e74\u91d1\u516c\u5f0f\u6765\u7b97\u6708\u4f9b\u7684\uff0c\u6309\u63ed\u6708\u4f9b\u7684\u8ba1\u7b97\u516c\u5f0f:A=P{i(1+i)^n\/[(1+i)^n\uff0d1]}\uff0cA:\u6bcf\u6708\u4f9b\u6b3e\uff1bP:\u4f9b\u6b3e\u603b\u91d1\u989d\uff1bi: \u6708\u5229\u7387(\u5e74\u5229\/12)\uff1bn:\u4f9b\u6b3e\u603b\u6708\u6570(\u5e74\u00d712)\u3002<\/p>\n

\"\u8d37\u6b3e\u62b5\u62bc\u7535\u8bdd(\u623f\u5c4b\u62b5\u62bc\u8d37\u6b3e\u7535\u8bdd)?<\/p>\n

\u6269\u5c55\u8d44\u6599\uff1a<\/p>\n

\u8d37\u6b3e\u5229\u7387\u7684\u9ad8\u4f4e\u51b3\u5b9a\u5c06\u6765\u8fd8\u6b3e\u9700\u8981\u7684\u5229\u606f\uff0c\u4e2d\u56fd\u4eba\u6c11\u94f6\u884c\u6bcf\u5e74\u4f1a\u516c\u5e03\u8d37\u6b3e\u57fa\u51c6\u5229\u7387\uff0c\u5404\u5730\u94f6\u884c\u6839\u636e\u81ea\u8eab\u6761\u4ef6\u8fdb\u884c\u8c03\u6574\uff0c\u4f46\u5bf9\u4e8e\u673a\u6784\u6027\u7684\u8d37\u6b3e\u516c\u53f8\u4e0d\u53d7\u7ea6\u675f\uff0c\u6240\u4ee5\u8d37\u6b3e\u65f6\u5229\u7387\u7684\u9ad8\u4f4e\u662f\u4e00\u5b9a\u8981\u91cd\u89c6\u7684\uff0c\u4e0d\u7136\u5f88\u53ef\u80fd\u88ab\u5377\u5165\u9ad8\u5229\u8d37\u7684\u82e6\u607c\u3002<\/p>\n

\u94f6\u884c\u8d37\u6b3e\u5229\u7387\u662f\u6839\u636e\u8d37\u6b3e\u7684\u4fe1\u7528\u60c5\u51b5\u7b49\u7efc\u5408\u8bc4\u4ef7\u7684,\u6839\u636e\u4fe1\u7528\u60c5\u51b5\u3001\u62b5\u62bc\u7269\u3001\u56fd\u5bb6\u653f\u7b56(\u662f\u5426\u9996\u5957\u623f)\u7b49\u6765\u786e\u5b9a\u8d37\u6b3e\u5229\u7387\u6c34\u5e73\u3002<\/p>\n

\u4e2d\u56fd\u4eba\u6c11\u94f6\u884c\u51b3\u5b9a\uff0c\u81ea2012\u5e747\u67086\u65e5\u8d77\u4e0b\u8c03\u91d1\u878d\u673a\u6784\u4eba\u6c11\u5e01\u5b58\u8d37\u6b3e\u57fa\u51c6\u5229\u7387\u3002\u91d1\u878d\u673a\u6784\u4e00\u5e74\u671f\u5b58\u6b3e\u57fa\u51c6\u5229\u7387\u4e0b\u8c030.25\u4e2a\u767e\u5206\u70b9\uff0c\u4e00\u5e74\u671f\u8d37\u6b3e\u57fa\u51c6\u5229\u7387\u4e0b\u8c030.31\u4e2a\u767e\u5206\u70b9;\u5176\u4ed6\u5404\u6863\u6b21\u5b58\u8d37\u6b3e\u57fa\u51c6\u5229\u7387\u53ca\u4e2a\u4eba\u4f4f\u623f\u516c\u79ef\u91d1\u5b58\u8d37\u6b3e\u5229\u7387\u76f8\u5e94\u8c03\u6574\u3002<\/p>\n

\u81ea\u540c\u65e5\u8d77\uff0c\u5c06\u91d1\u878d\u673a\u6784\u8d37\u6b3e\u5229\u7387\u6d6e\u52a8\u533a\u95f4\u7684\u4e0b\u9650\u8c03\u6574\u4e3a\u57fa\u51c6\u5229\u7387\u76840.7\u500d\u3002\u4e2a\u4eba\u4f4f\u623f\u8d37\u6b3e\u5229\u7387\u6d6e\u52a8\u533a\u95f4\u4e0d\u4f5c\u8c03\u6574\uff0c\u91d1\u878d\u673a\u6784\u8981\u7ee7\u7eed\u4e25\u683c\u6267\u884c\u5dee\u522b\u5316\u7684\u5404\u9879\u4f4f\u623f\u4fe1\u8d37\u653f\u7b56\uff0c\u7ee7\u7eed\u6291\u5236\u6295\u673a\u6295\u8d44\u6027\u8d2d\u623f\u3002<\/p>\n","protected":false},"excerpt":{"rendered":"\u94f6\u884c\u8d37\u6b3e\u5e74\u5229\u7387\u4e0e\u6708\u5229\u7387\u7684\u533a\u522b\u6709\uff1a1\u3001\u6362\u7b97\u7684\u5468\u671f\u4e0d\u540c\u6708\u5229\u7387\u662f\u6307\u6309\u6708\u8ba1\u606f\u7684\u5229\u606f\u4e0e\u672c\u91d1\u7684\u767e\u5206\u6bd4\uff0c\u5e74\u5229\u7387\u662f\u6307\u6309\u5e74\u8ba1\u606f\u7684\u5229\u606f\u4e0e\u672c\u91d1\u7684\u767e\u5206\u6bd4\u3002\u4e00\u822c\u6765\u8bf4","protected":false},"author":1,"featured_media":34361,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[8],"tags":[4680],"_links":{"self":[{"href":"https:\/\/www.962900.com\/wp-json\/wp\/v2\/posts\/32579"}],"collection":[{"href":"https:\/\/www.962900.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.962900.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.962900.com\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.962900.com\/wp-json\/wp\/v2\/comments?post=32579"}],"version-history":[{"count":0,"href":"https:\/\/www.962900.com\/wp-json\/wp\/v2\/posts\/32579\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.962900.com\/wp-json\/wp\/v2\/media\/34361"}],"wp:attachment":[{"href":"https:\/\/www.962900.com\/wp-json\/wp\/v2\/media?parent=32579"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.962900.com\/wp-json\/wp\/v2\/categories?post=32579"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.962900.com\/wp-json\/wp\/v2\/tags?post=32579"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}