小产权房558_blank class=infotextkey>近_blank class=infotextkey>get=_blank class=infotextkey>年来，_blank class=infotextkey>get=_blank class=infotextkey>关于_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>中产阶级为_blank class=infotextkey>get=_blank class=infotextkey>危机的论题_blank class=infotextkey>get=_blank class=infotextkey>异_blank class=infotextkey>get=_blank class=infotextkey>常炽热，_blank class=infotextkey>不_blank class=infotextkey>get=_blank class=infotextkey>少受过杰出_blank class=infotextkey>get=_blank class=infotextkey>教育、_blank class=infotextkey>get=_blank class=infotextkey>现在_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>收入也尚可的_blank class=infotextkey>get=_blank class=infotextkey>人群纷纷_blank class=infotextkey>get=_blank class=infotextkey>吐槽_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>房价太_blank class=infotextkey>get=_blank class=infotextkey>高、_blank class=infotextkey>get=_blank class=infotextkey>财富_blank class=infotextkey>不稳、_blank class=infotextkey>get=_blank class=infotextkey>子女_blank class=infotextkey>get=_blank class=infotextkey>教育难，月入_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>万元的_blank class=infotextkey>get=_blank class=infotextkey>家庭_blank class=infotextkey>get=_blank class=infotextkey>如何_blank class=infotextkey>get=_blank class=infotextkey>买_blank class=infotextkey>get=_blank class=infotextkey>房，_blank class=infotextkey>get=_blank class=infotextkey>其实还_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>真的_blank class=infotextkey>get=_blank class=infotextkey>需求精打细算。
一、_blank class=infotextkey>定位很关键
_blank class=infotextkey>get=_blank class=infotextkey>理财_blank class=infotextkey>get=_blank class=infotextkey>专家指出，月_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>收入_blank class=infotextkey>5000元的_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>中产阶级看似_blank class=infotextkey>get=_blank class=infotextkey>“_blank class=infotextkey>get=_blank class=infotextkey>有钱_blank class=infotextkey>get=_blank class=infotextkey>”，但在_blank class=infotextkey>get=_blank class=infotextkey>决_blank class=infotextkey>定_blank class=infotextkey>get=_blank class=infotextkey>购_blank class=infotextkey>get=_blank class=infotextkey>房前_blank class=infotextkey>get=_blank class=infotextkey>还要是从_blank class=infotextkey>get=_blank class=infotextkey>多_blank class=infotextkey>get=_blank class=infotextkey>方_blank class=infotextkey>面_blank class=infotextkey>get=_blank class=infotextkey>要素着手，衡量_blank class=infotextkey>get=_blank class=infotextkey>家庭_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>收入_blank class=infotextkey>get=_blank class=infotextkey>水平、现_blank class=infotextkey>get=_blank class=infotextkey>有存款额、_blank class=infotextkey>get=_blank class=infotextkey>可_blank class=infotextkey>获得的借款额度及亲朋可赞助额等_blank class=infotextkey>get=_blank class=infotextkey>正确估算_blank class=infotextkey>get=_blank class=infotextkey>自己的实践_blank class=infotextkey>get=_blank class=infotextkey>购买能力，以便终究确_blank class=infotextkey>定所要购_blank class=infotextkey>get=_blank class=infotextkey>买_blank class=infotextkey>get=_blank class=infotextkey>房屋的类型、_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>面积和价位等。因为购_blank class=infotextkey>get=_blank class=infotextkey>买_blank class=infotextkey>get=_blank class=infotextkey>房屋的_blank class=infotextkey>get=_blank class=infotextkey>地段、_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>面积、_blank class=infotextkey>get=_blank class=infotextkey>总价等_blank class=infotextkey>get=_blank class=infotextkey>要素，将_blank class=infotextkey>get=_blank class=infotextkey>会直接_blank class=infotextkey>get=_blank class=infotextkey>影响_blank class=infotextkey>get=_blank class=infotextkey>未来_blank class=infotextkey>get=_blank class=infotextkey>银行评价及终究放贷数额。
二、货比三家
_blank class=infotextkey>get=_blank class=infotextkey>现在_blank class=infotextkey>不_blank class=infotextkey>get=_blank class=infotextkey>少_blank class=infotextkey>get=_blank class=infotextkey>银行都推出了_blank class=infotextkey>get=_blank class=infotextkey>“直客式_blank class=infotextkey>get=_blank class=infotextkey>服务_blank class=infotextkey>get=_blank class=infotextkey>”，与_blank class=infotextkey>get=_blank class=infotextkey>传统个贷_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>金融机构的_blank class=infotextkey>get=_blank class=infotextkey>服务形式是_blank class=infotextkey>get=_blank class=infotextkey>“磕碰_blank class=infotextkey>get=_blank class=infotextkey>”的。客观的说，_blank class=infotextkey>get=_blank class=infotextkey>银行_blank class=infotextkey>get=_blank class=infotextkey>“直客式_blank class=infotextkey>get=_blank class=infotextkey>服务_blank class=infotextkey>get=_blank class=infotextkey>”_blank class=infotextkey>get=_blank class=infotextkey>具备_blank class=infotextkey>get=_blank class=infotextkey>省钱的长处可是相对的借款_blank class=infotextkey>get=_blank class=infotextkey>产品较为_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>单一，而个贷_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>金融_blank class=infotextkey>get=_blank class=infotextkey>服务机构从借款_blank class=infotextkey>get=_blank class=infotextkey>服务_blank class=infotextkey>get=_blank class=infotextkey>专业性，_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>房_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>地产、_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>金融方针的权威性，家在_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>深圳 .fan_blank class=infotextkey>g558.com/d_blank class=infotextkey>g/ tar_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>东莞 _blank class=infotextkey>get=_blank class=infotextkey>小_blank class=infotextkey>get=_blank class=infotextkey>产权，_blank class=infotextkey>以及掌握_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>多家_blank class=infotextkey>get=_blank class=infotextkey>银行借款_blank class=infotextkey>get=_blank class=infotextkey>产品的角度来谈都更具_blank class=infotextkey>get=_blank class=infotextkey>有无与伦比的_blank class=infotextkey>get=_blank class=infotextkey>优势。所以，_blank class=infotextkey>get=_blank class=infotextkey>购_blank class=infotextkey>get=_blank class=infotextkey>房者在借款_blank class=infotextkey>get=_blank class=infotextkey>买_blank class=infotextkey>get=_blank class=infotextkey>房前更_blank class=infotextkey>应该_blank class=infotextkey>get=_blank class=infotextkey>“贷比三家_blank class=infotextkey>get=_blank class=infotextkey>”，_blank class=infotextkey>get=_blank class=infotextkey>挑_blank class=infotextkey>get=_blank class=infotextkey>选_blank class=infotextkey>get=_blank class=infotextkey>适_blank class=infotextkey>合_blank class=infotextkey>get=_blank class=infotextkey>自己的借款委托_blank class=infotextkey>get=_blank class=infotextkey>方式。
三、留意借款_blank class=infotextkey>get=_blank class=infotextkey>方式
_blank class=infotextkey>get=_blank class=infotextkey>中等_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>收入_blank class=infotextkey>get=_blank class=infotextkey>人群在_blank class=infotextkey>get=_blank class=infotextkey>处理借款_blank class=infotextkey>get=_blank class=infotextkey>环节_blank class=infotextkey>get=_blank class=infotextkey>中应留意借款_blank class=infotextkey>get=_blank class=infotextkey>方式，顾及_blank class=infotextkey>get=_blank class=infotextkey>“提早还款_blank class=infotextkey>get=_blank class=infotextkey>”_blank class=infotextkey>get=_blank class=infotextkey>要素。尽管_blank class=infotextkey>get=_blank class=infotextkey>现在月_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>收入_blank class=infotextkey>5000元，但_blank class=infotextkey>get=_blank class=infotextkey>关于往后可能_blank class=infotextkey>get=_blank class=infotextkey>发生的_blank class=infotextkey>get=_blank class=infotextkey>变化谁也_blank class=infotextkey>get=_blank class=infotextkey>无法意料，特别是在现_blank class=infotextkey>get=_blank class=infotextkey>阶段_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>金融方针_blank class=infotextkey>get=_blank class=infotextkey>“摇摆_blank class=infotextkey>不_blank class=infotextkey>定_blank class=infotextkey>get=_blank class=infotextkey>”的_blank class=infotextkey>get=_blank class=infotextkey>市场状况前，更_blank class=infotextkey>应该留意_blank class=infotextkey>get=_blank class=infotextkey>选取_blank class=infotextkey>最_blank class=infotextkey>get=_blank class=infotextkey>适_blank class=infotextkey>合_blank class=infotextkey>get=_blank class=infotextkey>自己的还款_blank class=infotextkey>get=_blank class=infotextkey>方式，_blank class=infotextkey>get=_blank class=infotextkey>一起_blank class=infotextkey>get=_blank class=infotextkey>还要兼顾到借款_blank class=infotextkey>get=_blank class=infotextkey>后的_blank class=infotextkey>get=_blank class=infotextkey>“提早还款_blank class=infotextkey>get=_blank class=infotextkey>”_blank class=infotextkey>get=_blank class=infotextkey>要素等。
弃_blank class=infotextkey>get=_blank class=infotextkey>“本息_blank class=infotextkey>get=_blank class=infotextkey>”转_blank class=infotextkey>get=_blank class=infotextkey>“_blank class=infotextkey>get=_blank class=infotextkey>本_blank class=infotextkey>get=_blank class=infotextkey>金_blank class=infotextkey>get=_blank class=infotextkey>”。尽管各家_blank class=infotextkey>get=_blank class=infotextkey>银行都已推出_blank class=infotextkey>不同品种的借款_blank class=infotextkey>get=_blank class=infotextkey>产品，但_blank class=infotextkey>get=_blank class=infotextkey>现在为止，_blank class=infotextkey>get=_blank class=infotextkey>房贷者_blank class=infotextkey>最_blank class=infotextkey>get=_blank class=infotextkey>常用的还款_blank class=infotextkey>get=_blank class=infotextkey>方式还仅是局_blank class=infotextkey>get=_blank class=infotextkey>限于_blank class=infotextkey>get=_blank class=infotextkey>“等额_blank class=infotextkey>get=_blank class=infotextkey>本_blank class=infotextkey>get=_blank class=infotextkey>金_blank class=infotextkey>get=_blank class=infotextkey>”和_blank class=infotextkey>get=_blank class=infotextkey>“等额本息_blank class=infotextkey>get=_blank class=infotextkey>”。就这两种_blank class=infotextkey>get=_blank class=infotextkey>方式而言，或许_blank class=infotextkey>get=_blank class=infotextkey>房贷者已习气运用_blank class=infotextkey>get=_blank class=infotextkey>“等额本息_blank class=infotextkey>get=_blank class=infotextkey>”还款。可是，_blank class=infotextkey>get=_blank class=infotextkey>“等额_blank class=infotextkey>get=_blank class=infotextkey>本_blank class=infotextkey>get=_blank class=infotextkey>金_blank class=infotextkey>get=_blank class=infotextkey>”的还款_blank class=infotextkey>get=_blank class=infotextkey>方式更_blank class=infotextkey>get=_blank class=infotextkey>适_blank class=infotextkey>合_blank class=infotextkey>get=_blank class=infotextkey>房贷者在_blank class=infotextkey>get=_blank class=infotextkey>多_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>金融方针的_blank class=infotextkey>get=_blank class=infotextkey>市场_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>环境_blank class=infotextkey>get=_blank class=infotextkey>中运用，尽管开始还贷_blank class=infotextkey>时借款_blank class=infotextkey>get=_blank class=infotextkey>人_blank class=infotextkey>get=_blank class=infotextkey>会感觉到_blank class=infotextkey>get=_blank class=infotextkey>每月的担负较_blank class=infotextkey>get=_blank class=infotextkey>重，但随着偿还的_blank class=infotextkey>get=_blank class=infotextkey>本_blank class=infotextkey>get=_blank class=infotextkey>金增_blank class=infotextkey>get=_blank class=infotextkey>多，利息支出也就_blank class=infotextkey>get=_blank class=infotextkey>会相对减_blank class=infotextkey>get=_blank class=infotextkey>少，终究还贷_blank class=infotextkey>get=_blank class=infotextkey>压力_blank class=infotextkey>get=_blank class=infotextkey>会减轻许_blank class=infotextkey>get=_blank class=infotextkey>多。
应趁早_blank class=infotextkey>get=_blank class=infotextkey>做好_blank class=infotextkey>get=_blank class=infotextkey>“提早还贷_blank class=infotextkey>get=_blank class=infotextkey>”的_blank class=infotextkey>get=_blank class=infotextkey>打算。_blank class=infotextkey>get=_blank class=infotextkey>需求留意的是，_blank class=infotextkey>get=_blank class=infotextkey>银行_blank class=infotextkey>get=_blank class=infotextkey>关于提早还贷的_blank class=infotextkey>get=_blank class=infotextkey>要求_blank class=infotextkey>不同，比方_blank class=infotextkey>get=_blank class=infotextkey>有的_blank class=infotextkey>get=_blank class=infotextkey>银行规则是放款一_blank class=infotextkey>get=_blank class=infotextkey>年后才干提早还贷，_blank class=infotextkey>get=_blank class=infotextkey>有的_blank class=infotextkey>get=_blank class=infotextkey>银行规则提早还贷要是1_blank class=infotextkey>get=_blank class=infotextkey>万的整数倍，_blank class=infotextkey>get=_blank class=infotextkey>有的_blank class=infotextkey>get=_blank class=infotextkey>银行_blank class=infotextkey>get=_blank class=infotextkey>需求_blank class=infotextkey>收取必_blank class=infotextkey>定数额的_blank class=infotextkey>get=_blank class=infotextkey>违约_blank class=infotextkey>get=_blank class=infotextkey>金等。
四、操控个_blank class=infotextkey>get=_blank class=infotextkey>人_blank class=infotextkey>get=_blank class=infotextkey>财_blank class=infotextkey>政
_blank class=infotextkey>get=_blank class=infotextkey>中等_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>收入_blank class=infotextkey>get=_blank class=infotextkey>人群尽管_blank class=infotextkey>get=_blank class=infotextkey>每月_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>收入_blank class=infotextkey>不菲但也要留意操控个_blank class=infotextkey>get=_blank class=infotextkey>人_blank class=infotextkey>get=_blank class=infotextkey>财_blank class=infotextkey>政支出，避免因过度_blank class=infotextkey>get=_blank class=infotextkey>消费而引发_blank class=infotextkey>get=_blank class=infotextkey>“_blank class=infotextkey>get=_blank class=infotextkey>经_blank class=infotextkey>济_blank class=infotextkey>get=_blank class=infotextkey>危机_blank class=infotextkey>get=_blank class=infotextkey>”。_blank class=infotextkey>get=_blank class=infotextkey>一般准则_blank class=infotextkey>get=_blank class=infotextkey>下个_blank class=infotextkey>get=_blank class=infotextkey>人_blank class=infotextkey>get=_blank class=infotextkey>负债_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>不要_blank class=infotextkey>get=_blank class=infotextkey>超越个_blank class=infotextkey>get=_blank class=infotextkey>人总财物的_blank class=infotextkey>get=_blank class=infotextkey>50%，_blank class=infotextkey>否则_blank class=infotextkey>get=_blank class=infotextkey>家庭财物的_blank class=infotextkey>get=_blank class=infotextkey>安_blank class=infotextkey>get=_blank class=infotextkey>全性就_blank class=infotextkey>get=_blank class=infotextkey>会_blank class=infotextkey>get=_blank class=infotextkey>受到威胁。所以_blank class=infotextkey>get=_blank class=infotextkey>“开源节_blank class=infotextkey>get=_blank class=infotextkey>流_blank class=infotextkey>get=_blank class=infotextkey>”就_blank class=infotextkey>get=_blank class=infotextkey>显得更为_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>重要，只_blank class=infotextkey>get=_blank class=infotextkey>有_blank class=infotextkey>合理安排开支才干确_blank class=infotextkey>get=_blank class=infotextkey>保_blank class=infotextkey>get=_blank class=infotextkey>家庭_blank class=infotextkey>get=_blank class=infotextkey>有适当的_blank class=infotextkey>get=_blank class=infotextkey>资_blank class=infotextkey>get=_blank class=infotextkey>金_blank class=infotextkey>get=_blank class=infotextkey>进行其它出资_blank class=infotextkey>get=_blank class=infotextkey>规划，统建_blank class=infotextkey>get=_blank class=infotextkey>楼_blank class=infotextkey>get=_blank class=infotextkey>购买_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>风险，从而达到_blank class=infotextkey>get=_blank class=infotextkey>“开源_blank class=infotextkey>get=_blank class=infotextkey>”的目的。
