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class=infotextkey>关于_blank class=infotextkey>get=_blank class=infotextkey>这个_blank class=infotextkey>get=_blank class=infotextkey>城市来说是个特别的_blank class=infotextkey>get=_blank class=infotextkey>存在，既_blank class=infotextkey>get=_blank class=infotextkey>推进_blank class=infotextkey>get=_blank class=infotextkey>又阻止着_blank class=infotextkey>get=_blank class=infotextkey>这个_blank class=infotextkey>get=_blank class=infotextkey>城市的_blank class=infotextkey>get=_blank class=infotextkey>开展。为_blank class=infotextkey>get=_blank class=infotextkey>什么在很_blank class=infotextkey>get=_blank class=infotextkey>多质疑声_blank class=infotextkey>get=_blank class=infotextkey>下_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>小_blank class=infotextkey>get=_blank class=infotextkey>产权_blank class=infotextkey>get=_blank class=infotextkey>房仍旧能一向_blank class=infotextkey>get=_blank class=infotextkey>开展_blank class=infotextkey>get=_blank class=infotextkey>下去呢，乃至_blank class=infotextkey>get=_blank class=infotextkey>还_blank class=infotextkey>get=_blank class=infotextkey>有很_blank class=infotextkey>get=_blank class=infotextkey>多_blank class=infotextkey>get=_blank class=infotextkey>人专门出资_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>小_blank class=infotextkey>get=_blank class=infotextkey>产权_blank class=infotextkey>get=_blank class=infotextkey>房。_blank class=infotextkey>get=_blank class=infotextkey>其实_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>深圳_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>小_blank class=infotextkey>get=_blank class=infotextkey>产权_blank class=infotextkey>get=_blank class=infotextkey>房_blank class=infotextkey>get=_blank class=infotextkey>关于_blank class=infotextkey>get=_blank class=infotextkey>国家来说_blank class=infotextkey>get=_blank class=infotextkey>是_blank class=infotextkey>get=_blank class=infotextkey>有利也_blank class=infotextkey>get=_blank class=infotextkey>有弊的，至_blank class=infotextkey>get=_blank class=infotextkey>今_blank class=infotextkey>get=_blank class=infotextkey>国家也_blank class=infotextkey>get=_blank class=infotextkey>无法_blank class=infotextkey>get=_blank class=infotextkey>出台_blank class=infotextkey>get=_blank class=infotextkey>一个方针对此_blank class=infotextkey>get=_blank class=infotextkey>进行_blank class=infotextkey>办理，也正因_blank class=infotextkey>get=_blank class=infotextkey>如此_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>小_blank class=infotextkey>get=_blank class=infotextkey>产权_blank class=infotextkey>get=_blank class=infotextkey>房才_blank class=infotextkey>get=_blank class=infotextkey>会如火如荼_blank class=infotextkey>get=_blank class=infotextkey>地_blank class=infotextkey>get=_blank class=infotextkey>进行着，而且傍边的_blank class=infotextkey>get=_blank class=infotextkey>利益被无_blank class=infotextkey>get=_blank class=infotextkey>限扩_blank class=infotextkey>get=_blank class=infotextkey>大。虽然_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>深圳_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>小_blank class=infotextkey>get=_blank class=infotextkey>产权_blank class=infotextkey>get=_blank class=infotextkey>房_blank class=infotextkey>get=_blank class=infotextkey>没_blank class=infotextkey>get=_blank class=infotextkey>有_blank class=infotextkey>get=_blank class=infotextkey>得到_blank class=infotextkey>get=_blank class=infotextkey>国家_blank class=infotextkey>get=_blank class=infotextkey>土_blank class=infotextkey>get=_blank class=infotextkey>地_blank class=infotextkey>get=_blank class=infotextkey>资源局的认证_blank class=infotextkey>get=_blank class=infotextkey>保证，但它的数量巨_blank class=infotextkey>get=_blank class=infotextkey>大，让很_blank class=infotextkey>get=_blank class=infotextkey>多_blank class=infotextkey>get=_blank class=infotextkey>人抱着法_blank class=infotextkey>不责众的心态来_blank class=infotextkey>get=_blank class=infotextkey>进行_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>小_blank class=infotextkey>get=_blank class=infotextkey>产权_blank class=infotextkey>get=_blank class=infotextkey>房的_blank class=infotextkey>get=_blank class=infotextkey>建造和售卖，在这过程_blank class=infotextkey>get=_blank class=infotextkey>中能取得的_blank class=infotextkey>get=_blank class=infotextkey>利益也是可想而知的。前史遗留_blank class=infotextkey>get=_blank class=infotextkey>下来的_blank class=infotextkey>get=_blank class=infotextkey>问题造就_blank class=infotextkey>get=_blank class=infotextkey>现在的_blank class=infotextkey>get=_blank class=infotextkey>法律缝隙，_blank class=infotextkey>最初为了加速_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>深圳_blank class=infotextkey>get=_blank class=infotextkey>城市化的进程_blank class=infotextkey>get=_blank class=infotextkey>开展，_blank class=infotextkey>get=_blank class=infotextkey>关于私安闲_blank class=infotextkey>get=_blank class=infotextkey>公_blank class=infotextkey>get=_blank class=infotextkey>有制_blank class=infotextkey>get=_blank class=infotextkey>土_blank class=infotextkey>get=_blank class=infotextkey>地_blank class=infotextkey>get=_blank class=infotextkey>修建_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>房产的_blank class=infotextkey>get=_blank class=infotextkey>行为并_blank class=infotextkey>get=_blank class=infotextkey>没_blank class=infotextkey>get=_blank class=infotextkey>有阻止;因而_blank class=infotextkey>不管_blank class=infotextkey>get=_blank class=infotextkey>现在是_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>新建的_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>深圳_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>小_blank class=infotextkey>get=_blank class=infotextkey>产权_blank class=infotextkey>get=_blank class=infotextkey>房仍是本来的_blank class=infotextkey>get=_blank class=infotextkey>那些，都_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>不用_blank class=infotextkey>get=_blank class=infotextkey>通过_blank class=infotextkey>get=_blank class=infotextkey>国家_blank class=infotextkey>get=_blank class=infotextkey>土_blank class=infotextkey>get=_blank class=infotextkey>地_blank class=infotextkey>get=_blank class=infotextkey>资源局的_blank class=infotextkey>get=_blank class=infotextkey>登记和_blank class=infotextkey>get=_blank class=infotextkey>认可。_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>最终_blank class=infotextkey>get=_blank class=infotextkey>就是_blank class=infotextkey>get=_blank class=infotextkey>城市_blank class=infotextkey>get=_blank class=infotextkey>经_blank class=infotextkey>济所_blank class=infotextkey>get=_blank class=infotextkey>带来的_blank class=infotextkey>get=_blank class=infotextkey>压力，要_blank class=infotextkey>get=_blank class=infotextkey>知道_blank class=infotextkey>get=_blank class=infotextkey>关于_blank class=infotextkey>get=_blank class=infotextkey>一般_blank class=infotextkey>get=_blank class=infotextkey>打工者来说在_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>深圳这样的_blank class=infotextkey>get=_blank class=infotextkey>大_blank class=infotextkey>get=_blank class=infotextkey>城市买_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>房_blank class=infotextkey>get=_blank class=infotextkey>子是一件很_blank class=infotextkey>困难的_blank class=infotextkey>get=_blank class=infotextkey>工作。所以_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>深圳_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>小_blank class=infotextkey>get=_blank class=infotextkey>产权_blank class=infotextkey>get=_blank class=infotextkey>房和_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>商品_blank class=infotextkey>get=_blank class=infotextkey>房之_blank class=infotextkey>get=_blank class=infotextkey>间的_blank class=infotextkey>get=_blank class=infotextkey>价格差形_blank class=infotextkey>get=_blank class=infotextkey>成了很_blank class=infotextkey>get=_blank class=infotextkey>明显的_blank class=infotextkey>get=_blank class=infotextkey>利益冲突，更_blank class=infotextkey>get=_blank class=infotextkey>多_blank class=infotextkey>get=_blank class=infotextkey>人情愿_blank class=infotextkey>get=_blank class=infotextkey>挑_blank class=infotextkey>get=_blank class=infotextkey>选_blank class=infotextkey>get=_blank class=infotextkey>购买_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>小_blank class=infotextkey>get=_blank class=infotextkey>产权_blank class=infotextkey>get=_blank class=infotextkey>房。
问：_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>小_blank class=infotextkey>get=_blank class=infotextkey>产权_blank class=infotextkey>get=_blank class=infotextkey>房_blank class=infotextkey>get=_blank class=infotextkey>贷款_blank class=infotextkey>get=_blank class=infotextkey>在哪种_blank class=infotextkey>get=_blank class=infotextkey>情况_blank class=infotextkey>不宜提前还款？答：
一、等额_blank class=infotextkey>get=_blank class=infotextkey>本_blank class=infotextkey>get=_blank class=infotextkey>金还款期已过1/_blank class=infotextkey>3的_blank class=infotextkey>get=_blank class=infotextkey>购_blank class=infotextkey>get=_blank class=infotextkey>房者。
_blank class=infotextkey>get=_blank class=infotextkey>由于等额_blank class=infotextkey>get=_blank class=infotextkey>本_blank class=infotextkey>get=_blank class=infotextkey>金是将_blank class=infotextkey>get=_blank class=infotextkey>贷款额总额平分_blank class=infotextkey>get=_blank class=infotextkey>成本_blank class=infotextkey>get=_blank class=infotextkey>金，根据所剩_blank class=infotextkey>get=_blank class=infotextkey>本_blank class=infotextkey>get=_blank class=infotextkey>金计算还款利息。也_blank class=infotextkey>get=_blank class=infotextkey>就是说，这种还款_blank class=infotextkey>get=_blank class=infotextkey>方式越到后期，所剩的_blank class=infotextkey>get=_blank class=infotextkey>本_blank class=infotextkey>get=_blank class=infotextkey>金越_blank class=infotextkey>get=_blank class=infotextkey>少，因此所产_blank class=infotextkey>get=_blank class=infotextkey>生的利息也越_blank class=infotextkey>get=_blank class=infotextkey>少。
在这种_blank class=infotextkey>get=_blank class=infotextkey>情况_blank class=infotextkey>get=_blank class=infotextkey>下，当还款期_blank class=infotextkey>get=_blank class=infotextkey>超过1/_blank class=infotextkey>3_blank class=infotextkey>时,借款_blank class=infotextkey>get=_blank class=infotextkey>人已还了将_blank class=infotextkey>近一半的利息，后期所还的更_blank class=infotextkey>get=_blank class=infotextkey>多是_blank class=infotextkey>get=_blank class=infotextkey>本_blank class=infotextkey>get=_blank class=infotextkey>金，利息_blank class=infotextkey>get=_blank class=infotextkey>高低对还款额_blank class=infotextkey>get=_blank class=infotextkey>影响_blank class=infotextkey>不_blank class=infotextkey>get=_blank class=infotextkey>大。
二、签订_blank class=infotextkey>get=_blank class=infotextkey>贷款_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>合同的_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>时候享受7折到8.5折的_blank class=infotextkey>get=_blank class=infotextkey>利率优_blank class=infotextkey>get=_blank class=infotextkey>惠。
_blank class=infotextkey>get=_blank class=infotextkey>由于已享受较低折扣的_blank class=infotextkey>get=_blank class=infotextkey>利率优_blank class=infotextkey>get=_blank class=infotextkey>惠，_blank class=infotextkey>get=_blank class=infotextkey>目前_blank class=infotextkey>get=_blank class=infotextkey>又处于_blank class=infotextkey>get=_blank class=infotextkey>降息通道_blank class=infotextkey>get=_blank class=infotextkey>中。若_blank class=infotextkey>央行在_blank class=infotextkey>get=_blank class=infotextkey>年内无_blank class=infotextkey>get=_blank class=infotextkey>降息动作，即使_blank class=infotextkey>get=_blank class=infotextkey>明年1月1日_blank class=infotextkey>get=_blank class=infotextkey>按照_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>最_blank class=infotextkey>get=_blank class=infotextkey>新_blank class=infotextkey>get=_blank class=infotextkey>利率执行，利息也只_blank class=infotextkey>get=_blank class=infotextkey>会比前期更低。
三、等额本息还款已到_blank class=infotextkey>get=_blank class=infotextkey>中期的_blank class=infotextkey>get=_blank class=infotextkey>购_blank class=infotextkey>get=_blank class=infotextkey>房者。
等额本息还款把_blank class=infotextkey>get=_blank class=infotextkey>按揭_blank class=infotextkey>get=_blank class=infotextkey>贷款的_blank class=infotextkey>get=_blank class=infotextkey>本_blank class=infotextkey>get=_blank class=infotextkey>金总额与利息总额相加，_blank class=infotextkey>get=_blank class=infotextkey>然后_blank class=infotextkey>get=_blank class=infotextkey>平均分摊到_blank class=infotextkey>get=_blank class=infotextkey>每个月_blank class=infotextkey>get=_blank class=infotextkey>中。其_blank class=infotextkey>get=_blank class=infotextkey>中_blank class=infotextkey>get=_blank class=infotextkey>每月_blank class=infotextkey>get=_blank class=infotextkey>贷款利息按月初_blank class=infotextkey>get=_blank class=infotextkey>剩余_blank class=infotextkey>get=_blank class=infotextkey>贷款_blank class=infotextkey>get=_blank class=infotextkey>本_blank class=infotextkey>get=_blank class=infotextkey>金计算并逐月结_blank class=infotextkey>get=_blank class=infotextkey>清。
也_blank class=infotextkey>get=_blank class=infotextkey>就是说，_blank class=infotextkey>get=_blank class=infotextkey>每月还款额_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>中的_blank class=infotextkey>get=_blank class=infotextkey>本_blank class=infotextkey>get=_blank class=infotextkey>金比_blank class=infotextkey>get=_blank class=infotextkey>重逐月递增、利息比_blank class=infotextkey>get=_blank class=infotextkey>重逐月递减。_blank class=infotextkey>get=_blank class=infotextkey>到了还款_blank class=infotextkey>get=_blank class=infotextkey>中期，已经偿还了_blank class=infotextkey>get=_blank class=infotextkey>大_blank class=infotextkey>部分的利息，因此提前还贷_blank class=infotextkey>意义也_blank class=infotextkey>不_blank class=infotextkey>get=_blank class=infotextkey>大。
所以虽然_blank class=infotextkey>get=_blank class=infotextkey>现在_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>政府还_blank class=infotextkey>get=_blank class=infotextkey>没_blank class=infotextkey>get=_blank class=infotextkey>出台_blank class=infotextkey>制度方针，_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>深圳_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>小_blank class=infotextkey>get=_blank class=infotextkey>产权_blank class=infotextkey>get=_blank class=infotextkey>房仍旧被_blank class=infotextkey>get=_blank class=infotextkey>多数_blank class=infotextkey>get=_blank class=infotextkey>人_blank class=infotextkey>get=_blank class=infotextkey>挑_blank class=infotextkey>get=_blank class=infotextkey>选和_blank class=infotextkey>get=_blank class=infotextkey>购买，而接_blank class=infotextkey>get=_blank class=infotextkey>下来_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>小_blank class=infotextkey>get=_blank class=infotextkey>产权_blank class=infotextkey>get=_blank class=infotextkey>房的_blank class=infotextkey>get=_blank class=infotextkey>开展是_blank class=infotextkey>get=_blank class=infotextkey>怎样完_blank class=infotextkey>get=_blank class=infotextkey>全取决于_blank class=infotextkey>get=_blank class=infotextkey>民生和_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>政府的_blank class=infotextkey>get=_blank class=infotextkey>挑_blank class=infotextkey>get=_blank class=infotextkey>选，_blank class=infotextkey>get=_blank class=infotextkey>究竟所做的一切_blank class=infotextkey>get=_blank class=infotextkey>都是为了_blank class=infotextkey>get=_blank class=infotextkey>民生。
