小产权房558一、_blank class=infotextkey>get=_blank class=infotextkey>房贷种类很_blank class=infotextkey>get=_blank class=infotextkey>多
很_blank class=infotextkey>get=_blank class=infotextkey>多_blank class=infotextkey>get=_blank class=infotextkey>买_blank class=infotextkey>get=_blank class=infotextkey>房或_blank class=infotextkey>get=_blank class=infotextkey>准备_blank class=infotextkey>get=_blank class=infotextkey>买_blank class=infotextkey>get=_blank class=infotextkey>房的_blank class=infotextkey>get=_blank class=infotextkey>人都_blank class=infotextkey>get=_blank class=infotextkey>会被_blank class=infotextkey>get=_blank class=infotextkey>“_blank class=infotextkey>get=_blank class=infotextkey>房贷_blank class=infotextkey>get=_blank class=infotextkey>”搞蒙。
_blank class=infotextkey>get=_blank class=infotextkey>房贷的种类很_blank class=infotextkey>get=_blank class=infotextkey>多，_blank class=infotextkey>get=_blank class=infotextkey>有_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>商业_blank class=infotextkey>get=_blank class=infotextkey>贷款、_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>公积_blank class=infotextkey>get=_blank class=infotextkey>金_blank class=infotextkey>get=_blank class=infotextkey>贷款，_blank class=infotextkey>get=_blank class=infotextkey>还_blank class=infotextkey>get=_blank class=infotextkey>有_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>商业和_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>公积_blank class=infotextkey>get=_blank class=infotextkey>金混_blank class=infotextkey>合_blank class=infotextkey>get=_blank class=infotextkey>贷款，而且_blank class=infotextkey>get=_blank class=infotextkey>银行_blank class=infotextkey>get=_blank class=infotextkey>工作_blank class=infotextkey>get=_blank class=infotextkey>人员_blank class=infotextkey>get=_blank class=infotextkey>喜欢询问_blank class=infotextkey>get=_blank class=infotextkey>贷款_blank class=infotextkey>get=_blank class=infotextkey>买_blank class=infotextkey>get=_blank class=infotextkey>房_blank class=infotextkey>get=_blank class=infotextkey>人：_blank class=infotextkey>get=_blank class=infotextkey>“您的_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>房_blank class=infotextkey>get=_blank class=infotextkey>子要等额本息，_blank class=infotextkey>get=_blank class=infotextkey>还是等额_blank class=infotextkey>get=_blank class=infotextkey>本_blank class=infotextkey>get=_blank class=infotextkey>金？_blank class=infotextkey>get=_blank class=infotextkey>”
对于_blank class=infotextkey>get=_blank class=infotextkey>买_blank class=infotextkey>get=_blank class=infotextkey>房_blank class=infotextkey>get=_blank class=infotextkey>人而言，_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>选择_blank class=infotextkey>get=_blank class=infotextkey>太_blank class=infotextkey>get=_blank class=infotextkey>多是_blank class=infotextkey>get=_blank class=infotextkey>一种痛苦，特别是_blank class=infotextkey>get=_blank class=infotextkey>多数_blank class=infotextkey>get=_blank class=infotextkey>人心底藏着_blank class=infotextkey>get=_blank class=infotextkey>“怕吃亏_blank class=infotextkey>get=_blank class=infotextkey>”的_blank class=infotextkey>get=_blank class=infotextkey>小心思。
当然，_blank class=infotextkey>get=_blank class=infotextkey>贷款_blank class=infotextkey>get=_blank class=infotextkey>中也_blank class=infotextkey>get=_blank class=infotextkey>有能占_blank class=infotextkey>get=_blank class=infotextkey>便宜的品种，_blank class=infotextkey>get=_blank class=infotextkey>你_blank class=infotextkey>get=_blank class=infotextkey>选它_blank class=infotextkey>get=_blank class=infotextkey>肯_blank class=infotextkey>定_blank class=infotextkey>不吃亏。
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举例一：
_blank class=infotextkey>get=_blank class=infotextkey>贷款_blank class=infotextkey>get=_blank class=infotextkey>条件：_blank class=infotextkey>get=_blank class=infotextkey>贷款总额_blank class=infotextkey>get=_blank class=infotextkey>100_blank class=infotextkey>get=_blank class=infotextkey>万，_blank class=infotextkey>get=_blank class=infotextkey>按揭年_blank class=infotextkey>get=_blank class=infotextkey>限是_blank class=infotextkey>get=_blank class=infotextkey>20年，厚_blank class=infotextkey>get=_blank class=infotextkey>街，还款_blank class=infotextkey>get=_blank class=infotextkey>方式为等额本息。
1、_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>选择_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>公积_blank class=infotextkey>get=_blank class=infotextkey>金_blank class=infotextkey>get=_blank class=infotextkey>贷款（_blank class=infotextkey>get=_blank class=infotextkey>利率是_blank class=infotextkey>3._blank class=infotextkey>get=_blank class=infotextkey>25%），_blank class=infotextkey>get=_blank class=infotextkey>每月还款5671元。
_blank class=infotextkey>get=_blank class=infotextkey>2、_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>选择_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>商业_blank class=infotextkey>get=_blank class=infotextkey>贷款（_blank class=infotextkey>get=_blank class=infotextkey>基准_blank class=infotextkey>get=_blank class=infotextkey>利率是4.90%），_blank class=infotextkey>get=_blank class=infotextkey>每月还款6544元。
因此，_blank class=infotextkey>get=_blank class=infotextkey>可以_blank class=infotextkey>获得_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>公积_blank class=infotextkey>get=_blank class=infotextkey>金_blank class=infotextkey>get=_blank class=infotextkey>贷款的_blank class=infotextkey>get=_blank class=infotextkey>情况_blank class=infotextkey>get=_blank class=infotextkey>下，_blank class=infotextkey>get=_blank class=infotextkey>我们尽量_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>选择_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>公积_blank class=infotextkey>get=_blank class=infotextkey>金_blank class=infotextkey>get=_blank class=infotextkey>贷款，它是_blank class=infotextkey>真_blank class=infotextkey>get=_blank class=infotextkey>划算。对于_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>商业和_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>公积_blank class=infotextkey>get=_blank class=infotextkey>金混_blank class=infotextkey>合_blank class=infotextkey>get=_blank class=infotextkey>贷款，_blank class=infotextkey>get=_blank class=infotextkey>自然是尽可能提_blank class=infotextkey>get=_blank class=infotextkey>高_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>公积_blank class=infotextkey>get=_blank class=infotextkey>金的_blank class=infotextkey>比例。
二、等额本息和等额_blank class=infotextkey>get=_blank class=infotextkey>本_blank class=infotextkey>get=_blank class=infotextkey>金_blank class=infotextkey>get=_blank class=infotextkey>区别
对于绝_blank class=infotextkey>get=_blank class=infotextkey>大_blank class=infotextkey>get=_blank class=infotextkey>多数_blank class=infotextkey>get=_blank class=infotextkey>人来说，容易弄混的是等额_blank class=infotextkey>get=_blank class=infotextkey>本_blank class=infotextkey>get=_blank class=infotextkey>金和等额本息，_blank class=infotextkey>get=_blank class=infotextkey>它们太复杂，太拗口。
举例二：
_blank class=infotextkey>get=_blank class=infotextkey>贷款_blank class=infotextkey>get=_blank class=infotextkey>条件：_blank class=infotextkey>get=_blank class=infotextkey>贷款总额_blank class=infotextkey>get=_blank class=infotextkey>100_blank class=infotextkey>get=_blank class=infotextkey>万，_blank class=infotextkey>get=_blank class=infotextkey>基准_blank class=infotextkey>get=_blank class=infotextkey>利率是4.90%，_blank class=infotextkey>get=_blank class=infotextkey>按揭年_blank class=infotextkey>get=_blank class=infotextkey>限是_blank class=infotextkey>get=_blank class=infotextkey>20年。
若_blank class=infotextkey>get=_blank class=infotextkey>小林在_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>2018年_blank class=infotextkey>get=_blank class=infotextkey>1_blank class=infotextkey>get=_blank class=infotextkey>2月_blank class=infotextkey>get=_blank class=infotextkey>贷款_blank class=infotextkey>get=_blank class=infotextkey>买_blank class=infotextkey>get=_blank class=infotextkey>房，_blank class=infotextkey>get=_blank class=infotextkey>2019年1月开始月供。
A、若_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>选择等额本息，1月偿还8_blank class=infotextkey>get=_blank class=infotextkey>250元，_blank class=infotextkey>get=_blank class=infotextkey>2月为8_blank class=infotextkey>get=_blank class=infotextkey>2_blank class=infotextkey>3_blank class=infotextkey>get=_blank class=infotextkey>2元，_blank class=infotextkey>3月为8_blank class=infotextkey>get=_blank class=infotextkey>215元，以后逐月减_blank class=infotextkey>get=_blank class=infotextkey>少，_blank class=infotextkey>get=_blank class=infotextkey>20_blank class=infotextkey>38年_blank class=infotextkey>get=_blank class=infotextkey>1_blank class=infotextkey>get=_blank class=infotextkey>2月_blank class=infotextkey>最后一次偿还418_blank class=infotextkey>3元。
B、若_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>选择等额_blank class=infotextkey>get=_blank class=infotextkey>本_blank class=infotextkey>get=_blank class=infotextkey>金，1月偿还6544元，_blank class=infotextkey>get=_blank class=infotextkey>2月为6544元，_blank class=infotextkey>3月为6544元，_blank class=infotextkey>get=_blank class=infotextkey>每个月_blank class=infotextkey>get=_blank class=infotextkey>金额_blank class=infotextkey>不变。
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（_blank class=infotextkey>get=_blank class=infotextkey>图片自制）
_blank class=infotextkey>get=_blank class=infotextkey>20_blank class=infotextkey>get=_blank class=infotextkey>年后，_blank class=infotextkey>get=_blank class=infotextkey>你的_blank class=infotextkey>get=_blank class=infotextkey>房贷还_blank class=infotextkey>get=_blank class=infotextkey>清，_blank class=infotextkey>get=_blank class=infotextkey>按照等额本息的_blank class=infotextkey>get=_blank class=infotextkey>方式，支付利息总额是57_blank class=infotextkey>get=_blank class=infotextkey>万，而等额_blank class=infotextkey>get=_blank class=infotextkey>本_blank class=infotextkey>get=_blank class=infotextkey>金的利息总额是49_blank class=infotextkey>get=_blank class=infotextkey>万。
或许，_blank class=infotextkey>get=_blank class=infotextkey>还_blank class=infotextkey>get=_blank class=infotextkey>有_blank class=infotextkey>get=_blank class=infotextkey>人想_blank class=infotextkey>get=_blank class=infotextkey>知道，_blank class=infotextkey>get=_blank class=infotextkey>20_blank class=infotextkey>年的_blank class=infotextkey>get=_blank class=infotextkey>房贷和_blank class=infotextkey>30_blank class=infotextkey>年的_blank class=infotextkey>get=_blank class=infotextkey>房贷_blank class=infotextkey>get=_blank class=infotextkey>有_blank class=infotextkey>get=_blank class=infotextkey>什么_blank class=infotextkey>get=_blank class=infotextkey>区别。
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（_blank class=infotextkey>get=_blank class=infotextkey>图片自制）
实际_blank class=infotextkey>get=_blank class=infotextkey>上，_blank class=infotextkey>30年期的_blank class=infotextkey>get=_blank class=infotextkey>房贷只是比_blank class=infotextkey>get=_blank class=infotextkey>20年_blank class=infotextkey>get=_blank class=infotextkey>房贷，_blank class=infotextkey>get=_blank class=infotextkey>每月_blank class=infotextkey>get=_blank class=infotextkey>少些月供，基本_blank class=infotextkey>原理_blank class=infotextkey>get=_blank class=infotextkey>没_blank class=infotextkey>get=_blank class=infotextkey>有_blank class=infotextkey>get=_blank class=infotextkey>大的_blank class=infotextkey>get=_blank class=infotextkey>改变。
_blank class=infotextkey>不_blank class=infotextkey>get=_blank class=infotextkey>少工薪阶层为了减轻_blank class=infotextkey>get=_blank class=infotextkey>房贷_blank class=infotextkey>get=_blank class=infotextkey>压力，_blank class=infotextkey>get=_blank class=infotextkey>比较倾向_blank class=infotextkey>30年期的_blank class=infotextkey>get=_blank class=infotextkey>房贷，但_blank class=infotextkey>他们_blank class=infotextkey>get=_blank class=infotextkey>又为_blank class=infotextkey>30年期_blank class=infotextkey>get=_blank class=infotextkey>房贷的_blank class=infotextkey>get=_blank class=infotextkey>高昂利息支出而心疼。
举例三：
_blank class=infotextkey>get=_blank class=infotextkey>贷款_blank class=infotextkey>get=_blank class=infotextkey>条件：_blank class=infotextkey>get=_blank class=infotextkey>贷款总额_blank class=infotextkey>get=_blank class=infotextkey>100_blank class=infotextkey>get=_blank class=infotextkey>万，_blank class=infotextkey>get=_blank class=infotextkey>基准_blank class=infotextkey>get=_blank class=infotextkey>利率是4.90%。
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（_blank class=infotextkey>get=_blank class=infotextkey>图片自制）
结果显而易见，_blank class=infotextkey>30年期的利息总额比_blank class=infotextkey>get=_blank class=infotextkey>20年期的_blank class=infotextkey>get=_blank class=infotextkey>高，等额本息的利息总额比等额_blank class=infotextkey>get=_blank class=infotextkey>本_blank class=infotextkey>get=_blank class=infotextkey>金的_blank class=infotextkey>get=_blank class=infotextkey>高。
三、_blank class=infotextkey>30年期_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>真的比_blank class=infotextkey>get=_blank class=infotextkey>20年期_blank class=infotextkey>get=_blank class=infotextkey>好吗？
_blank class=infotextkey>不_blank class=infotextkey>get=_blank class=infotextkey>少的_blank class=infotextkey>get=_blank class=infotextkey>理财达_blank class=infotextkey>get=_blank class=infotextkey>人都建议_blank class=infotextkey>get=_blank class=infotextkey>买_blank class=infotextkey>get=_blank class=infotextkey>房_blank class=infotextkey>get=_blank class=infotextkey>人_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>选择_blank class=infotextkey>get=_blank class=infotextkey>贷款_blank class=infotextkey>get=_blank class=infotextkey>期_blank class=infotextkey>get=_blank class=infotextkey>限长的_blank class=infotextkey>get=_blank class=infotextkey>“_blank class=infotextkey>get=_blank class=infotextkey>房贷_blank class=infotextkey>get=_blank class=infotextkey>”，_blank class=infotextkey>get=_blank class=infotextkey>常见的说法是_blank class=infotextkey>get=_blank class=infotextkey>“_blank class=infotextkey>30年期比_blank class=infotextkey>get=_blank class=infotextkey>20年期好_blank class=infotextkey>get=_blank class=infotextkey>”。
_blank class=infotextkey>get=_blank class=infotextkey>这些_blank class=infotextkey>get=_blank class=infotextkey>理财建议蕴涵了_blank class=infotextkey>get=_blank class=infotextkey>怎样的道理呢？
各位读者_blank class=infotextkey>get=_blank class=infotextkey>可以自问自答_blank class=infotextkey>get=_blank class=infotextkey>一_blank class=infotextkey>get=_blank class=infotextkey>下：_blank class=infotextkey>get=_blank class=infotextkey>自己_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>选择的那套_blank class=infotextkey>get=_blank class=infotextkey>100_blank class=infotextkey>get=_blank class=infotextkey>万的_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>房_blank class=infotextkey>get=_blank class=infotextkey>子，_blank class=infotextkey>30_blank class=infotextkey>get=_blank class=infotextkey>年后值191_blank class=infotextkey>get=_blank class=infotextkey>万吗？
_blank class=infotextkey>get=_blank class=infotextkey>你若给出了_blank class=infotextkey>get=_blank class=infotextkey>肯_blank class=infotextkey>定的_blank class=infotextkey>get=_blank class=infotextkey>回答，则内心认为_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>房_blank class=infotextkey>get=_blank class=infotextkey>子_blank class=infotextkey>get=_blank class=infotextkey>会_blank class=infotextkey>get=_blank class=infotextkey>持续_blank class=infotextkey>增值，并且_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>房_blank class=infotextkey>get=_blank class=infotextkey>子的_blank class=infotextkey>增值速度_blank class=infotextkey>get=_blank class=infotextkey>超过_blank class=infotextkey>get=_blank class=infotextkey>房贷的利息（_blank class=infotextkey>get=_blank class=infotextkey>基准_blank class=infotextkey>get=_blank class=infotextkey>利率4.9%）。_blank class=infotextkey>get=_blank class=infotextkey>同_blank class=infotextkey>时，_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>大家要记得扣减_blank class=infotextkey>30年_blank class=infotextkey>get=_blank class=infotextkey>间的_blank class=infotextkey>get=_blank class=infotextkey>房租，毕竟_blank class=infotextkey>get=_blank class=infotextkey>房租_blank class=infotextkey>get=_blank class=infotextkey>可以抵扣一_blank class=infotextkey>部分_blank class=infotextkey>get=_blank class=infotextkey>房贷利息。
过去_blank class=infotextkey>get=_blank class=infotextkey>20年，_blank class=infotextkey>get=_blank class=infotextkey>大_blank class=infotextkey>部分_blank class=infotextkey>get=_blank class=infotextkey>城市_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>房_blank class=infotextkey>get=_blank class=infotextkey>子的_blank class=infotextkey>增值速度飞快，众_blank class=infotextkey>get=_blank class=infotextkey>人认为_blank class=infotextkey>get=_blank class=infotextkey>贷款越_blank class=infotextkey>get=_blank class=infotextkey>多，_blank class=infotextkey>get=_blank class=infotextkey>期_blank class=infotextkey>get=_blank class=infotextkey>限越长，_blank class=infotextkey>收益愈_blank class=infotextkey>get=_blank class=infotextkey>大，_blank class=infotextkey>get=_blank class=infotextkey>自然_blank class=infotextkey>get=_blank class=infotextkey>有道理。
1_blank class=infotextkey>get=_blank class=infotextkey>999年，_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>深圳_blank class=infotextkey>get=_blank class=infotextkey>平均_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>房价为550_blank class=infotextkey>3元/_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>平方米，_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>2009年为15_blank class=infotextkey>get=_blank class=infotextkey>214元/_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>平方米，_blank class=infotextkey>get=_blank class=infotextkey>2019年为57_blank class=infotextkey>350元/_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>平方米。
然而，_blank class=infotextkey>get=_blank class=infotextkey>现在的_blank class=infotextkey>get=_blank class=infotextkey>我们去思量_blank class=infotextkey>get=_blank class=infotextkey>未来_blank class=infotextkey>get=_blank class=infotextkey>20_blank class=infotextkey>get=_blank class=infotextkey>年后，乃至_blank class=infotextkey>30年_blank class=infotextkey>get=_blank class=infotextkey>后的_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>房价_blank class=infotextkey>时，心里_blank class=infotextkey>不自觉_blank class=infotextkey>get=_blank class=infotextkey>地咯噔了_blank class=infotextkey>get=_blank class=infotextkey>一_blank class=infotextkey>get=_blank class=infotextkey>下，_blank class=infotextkey>get=_blank class=infotextkey>突然_blank class=infotextkey>不_blank class=infotextkey>get=_blank class=infotextkey>自_blank class=infotextkey>get=_blank class=infotextkey>信了_blank class=infotextkey>get=_blank class=infotextkey>起来，好像_blank class=infotextkey>get=_blank class=infotextkey>有种说_blank class=infotextkey>不出的担忧。
举例四：
1、早前，_blank class=infotextkey>get=_blank class=infotextkey>有_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>新闻_blank class=infotextkey>报道，黑_blank class=infotextkey>get=_blank class=infotextkey>龙江省鹤岗市_blank class=infotextkey>部分_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>房屋_blank class=infotextkey>get=_blank class=infotextkey>均价_blank class=infotextkey>get=_blank class=infotextkey>低于_blank class=infotextkey>get=_blank class=infotextkey>1000元/_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>平方米
_blank class=infotextkey>get=_blank class=infotextkey>2、_blank class=infotextkey>get=_blank class=infotextkey>有_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>房产网爆出，_blank class=infotextkey>get=_blank class=infotextkey>甘肃省玉门市_blank class=infotextkey>get=_blank class=infotextkey>一套_blank class=infotextkey>get=_blank class=infotextkey>老_blank class=infotextkey>get=_blank class=infotextkey>城区70_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>平方米的_blank class=infotextkey>get=_blank class=infotextkey>“荒废_blank class=infotextkey>get=_blank class=infotextkey>房_blank class=infotextkey>get=_blank class=infotextkey>”标价1_blank class=infotextkey>get=_blank class=infotextkey>万。
_blank class=infotextkey>get=_blank class=infotextkey>这些_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>新闻说明_blank class=infotextkey>get=_blank class=infotextkey>一个_blank class=infotextkey>get=_blank class=infotextkey>问题，并_blank class=infotextkey>_blank class=infotextkey>不是所_blank class=infotextkey>get=_blank class=infotextkey>有的_blank class=infotextkey>get=_blank class=infotextkey>城市_blank class=infotextkey>get=_blank class=infotextkey>都能吸纳年轻_blank class=infotextkey>get=_blank class=infotextkey>人口，_blank class=infotextkey>get=_blank class=infotextkey>促进_blank class=infotextkey>get=_blank class=infotextkey>经_blank class=infotextkey>济_blank class=infotextkey>get=_blank class=infotextkey>繁荣，_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>房价随之_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>上涨。_blank class=infotextkey>get=_blank class=infotextkey>有些_blank class=infotextkey>get=_blank class=infotextkey>城市_blank class=infotextkey>get=_blank class=infotextkey>其实正在_blank class=infotextkey>走向衰落。
_blank class=infotextkey>get=_blank class=infotextkey>那些_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>楼市火热的_blank class=infotextkey>get=_blank class=infotextkey>城市，_blank class=infotextkey>get=_blank class=infotextkey>却_blank class=infotextkey>get=_blank class=infotextkey>出现了_blank class=infotextkey>get=_blank class=infotextkey>房贷_blank class=infotextkey>get=_blank class=infotextkey>利率_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>上浮，_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>限购_blank class=infotextkey>get=_blank class=infotextkey>限贷的_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>政策。_blank class=infotextkey>get=_blank class=infotextkey>大_blank class=infotextkey>部分_blank class=infotextkey>get=_blank class=infotextkey>人的_blank class=infotextkey>get=_blank class=infotextkey>老家处于四、五县_blank class=infotextkey>get=_blank class=infotextkey>城市，那里_blank class=infotextkey>不_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>限购，但也_blank class=infotextkey>get=_blank class=infotextkey>没_blank class=infotextkey>get=_blank class=infotextkey>什么年轻_blank class=infotextkey>get=_blank class=infotextkey>人。
该_blank class=infotextkey>get=_blank class=infotextkey>怎么_blank class=infotextkey>get=_blank class=infotextkey>选呢？
为了更_blank class=infotextkey>get=_blank class=infotextkey>深刻_blank class=infotextkey>get=_blank class=infotextkey>地_blank class=infotextkey>get=_blank class=infotextkey>理解_blank class=infotextkey>get=_blank class=infotextkey>房贷的秘密，_blank class=infotextkey>get=_blank class=infotextkey>我们_blank class=infotextkey>get=_blank class=infotextkey>需要用到_blank class=infotextkey>get=_blank class=infotextkey>一些_blank class=infotextkey>指标。
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（_blank class=infotextkey>get=_blank class=infotextkey>图片自制）
_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>2009年_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>11月，_blank class=infotextkey>get=_blank class=infotextkey>货币_blank class=infotextkey>get=_blank class=infotextkey>供应速度达到_blank class=infotextkey>近_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>10年来的_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>最_blank class=infotextkey>get=_blank class=infotextkey>高值（同比_blank class=infotextkey>get=_blank class=infotextkey>增长_blank class=infotextkey>get=_blank class=infotextkey>29.74%），而后_blank class=infotextkey>get=_blank class=infotextkey>增速逐步_blank class=infotextkey>get=_blank class=infotextkey>下滑。_blank class=infotextkey>get=_blank class=infotextkey>2019年_blank class=infotextkey>get=_blank class=infotextkey>7月，M_blank class=infotextkey>get=_blank class=infotextkey>2_blank class=infotextkey>get=_blank class=infotextkey>供应_blank class=infotextkey>get=_blank class=infotextkey>增速同比为_blank class=infotextkey>get=_blank class=infotextkey>8._blank class=infotextkey>get=_blank class=infotextkey>10%。
_blank class=infotextkey>get=_blank class=infotextkey>货币_blank class=infotextkey>get=_blank class=infotextkey>供应量对_blank class=infotextkey>get=_blank class=infotextkey>房贷_blank class=infotextkey>get=_blank class=infotextkey>有_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>重_blank class=infotextkey>get=_blank class=infotextkey>大_blank class=infotextkey>get=_blank class=infotextkey>影响。_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>全国范围而言，_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>房价涨幅的_blank class=infotextkey>get=_blank class=infotextkey>天花板已经划_blank class=infotextkey>定了。当然，_blank class=infotextkey>get=_blank class=infotextkey>有些_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>房产_blank class=infotextkey>get=_blank class=infotextkey>市场_blank class=infotextkey>get=_blank class=infotextkey>火爆的_blank class=infotextkey>get=_blank class=infotextkey>城市_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>房价可能_blank class=infotextkey>get=_blank class=infotextkey>会_blank class=infotextkey>get=_blank class=infotextkey>超过_blank class=infotextkey>get=_blank class=infotextkey>货币_blank class=infotextkey>get=_blank class=infotextkey>供应量_blank class=infotextkey>get=_blank class=infotextkey>增幅，但_blank class=infotextkey>get=_blank class=infotextkey>大_blank class=infotextkey>部分_blank class=infotextkey>get=_blank class=infotextkey>城市将受_blank class=infotextkey>get=_blank class=infotextkey>限于此。
四、_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>房价的本质
_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>房价的本质是_blank class=infotextkey>get=_blank class=infotextkey>一个_blank class=infotextkey>get=_blank class=infotextkey>货币_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>游戏，_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>房价=_blank class=infotextkey>get=_blank class=infotextkey>货币_blank class=infotextkey>get=_blank class=infotextkey>供应量/_blank class=infotextkey>get=_blank class=infotextkey>供给。
_blank class=infotextkey>get=_blank class=infotextkey>现在，_blank class=infotextkey>get=_blank class=infotextkey>我们的_blank class=infotextkey>get=_blank class=infotextkey>房贷_blank class=infotextkey>get=_blank class=infotextkey>有_blank class=infotextkey>get=_blank class=infotextkey>一个_blank class=infotextkey>get=_blank class=infotextkey>基准_blank class=infotextkey>get=_blank class=infotextkey>利率（4.9%），但_blank class=infotextkey>get=_blank class=infotextkey>国家_blank class=infotextkey>get=_blank class=infotextkey>会根据实际的_blank class=infotextkey>get=_blank class=infotextkey>经_blank class=infotextkey>济_blank class=infotextkey>get=_blank class=infotextkey>情况_blank class=infotextkey>get=_blank class=infotextkey>进行_blank class=infotextkey>get=_blank class=infotextkey>调整，对_blank class=infotextkey>get=_blank class=infotextkey>房贷_blank class=infotextkey>get=_blank class=infotextkey>利率_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>上浮和_blank class=infotextkey>get=_blank class=infotextkey>下浮来_blank class=infotextkey>get=_blank class=infotextkey>调控_blank class=infotextkey>get=_blank class=infotextkey>房贷总量。_blank class=infotextkey>get=_blank class=infotextkey>房贷_blank class=infotextkey>get=_blank class=infotextkey>利率_blank class=infotextkey>get=_blank class=infotextkey>就是_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>调控_blank class=infotextkey>get=_blank class=infotextkey>中_blank class=infotextkey>最_blank class=infotextkey>get=_blank class=infotextkey>厉害的_blank class=infotextkey>get=_blank class=infotextkey>“看_blank class=infotextkey>不见的手_blank class=infotextkey>get=_blank class=infotextkey>”。
_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>房_blank class=infotextkey>get=_blank class=infotextkey>子是用来_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>住的，_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>真的_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>不止是_blank class=infotextkey>说说而已。
_blank class=infotextkey>gn="center">
融_blank class=infotextkey>3_blank class=infotextkey>get=_blank class=infotextkey>60_blank class=infotextkey>get=_blank class=infotextkey>报告_blank class=infotextkey>get=_blank class=infotextkey>显示，_blank class=infotextkey>get=_blank class=infotextkey>2019年8月_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>全国_blank class=infotextkey>get=_blank class=infotextkey>首套_blank class=infotextkey>get=_blank class=infotextkey>房贷_blank class=infotextkey>get=_blank class=infotextkey>平均_blank class=infotextkey>get=_blank class=infotextkey>利率_blank class=infotextkey>get=_blank class=infotextkey>保持_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>上涨，达到5.69%，_blank class=infotextkey>get=_blank class=infotextkey>连续_blank class=infotextkey>get=_blank class=infotextkey>20个月_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>上涨。_blank class=infotextkey>get=_blank class=infotextkey>报告认为，当前_blank class=infotextkey>get=_blank class=infotextkey>房贷_blank class=infotextkey>get=_blank class=infotextkey>市场_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>政策偏紧，_blank class=infotextkey>get=_blank class=infotextkey>未来或_blank class=infotextkey>继续低幅_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>上涨。
_blank class=infotextkey>历史经验：
1、_blank class=infotextkey>get=_blank class=infotextkey>房贷_blank class=infotextkey>get=_blank class=infotextkey>利率_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>上浮，_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>房价难_blank class=infotextkey>get=_blank class=infotextkey>出现_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>上涨，因为这比_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>限购还_blank class=infotextkey>get=_blank class=infotextkey>厉害。（_blank class=infotextkey>get=_blank class=infotextkey>没钱了，_blank class=infotextkey>get=_blank class=infotextkey>你_blank class=infotextkey>get=_blank class=infotextkey>怎么蹦跶）
_blank class=infotextkey>get=_blank class=infotextkey>2、_blank class=infotextkey>get=_blank class=infotextkey>房贷_blank class=infotextkey>get=_blank class=infotextkey>利率_blank class=infotextkey>get=_blank class=infotextkey>下调，_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>房价或是止跌，或是_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>上涨。（_blank class=infotextkey>get=_blank class=infotextkey>疯_blank class=infotextkey>get=_blank class=infotextkey>狂输血）
_blank class=infotextkey>get=_blank class=infotextkey>20_blank class=infotextkey>get=_blank class=infotextkey>1_blank class=infotextkey>get=_blank class=infotextkey>5年，_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>地产去_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>库存，_blank class=infotextkey>get=_blank class=infotextkey>银行甚至给_blank class=infotextkey>get=_blank class=infotextkey>利率打7折。
_blank class=infotextkey>get=_blank class=infotextkey>20_blank class=infotextkey>get=_blank class=infotextkey>1_blank class=infotextkey>get=_blank class=infotextkey>5年和_blank class=infotextkey>get=_blank class=infotextkey>2019_blank class=infotextkey>年的_blank class=infotextkey>get=_blank class=infotextkey>差距_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>有_blank class=infotextkey>get=_blank class=infotextkey>多_blank class=infotextkey>get=_blank class=infotextkey>大呢？
举例五：
_blank class=infotextkey>get=_blank class=infotextkey>贷款_blank class=infotextkey>get=_blank class=infotextkey>条件：_blank class=infotextkey>get=_blank class=infotextkey>贷款总额_blank class=infotextkey>get=_blank class=infotextkey>100_blank class=infotextkey>get=_blank class=infotextkey>万，_blank class=infotextkey>get=_blank class=infotextkey>基准_blank class=infotextkey>get=_blank class=infotextkey>利率是4.90%，_blank class=infotextkey>30年期等额本息。
1、_blank class=infotextkey>get=_blank class=infotextkey>房贷利息_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>上浮_blank class=infotextkey>get=_blank class=infotextkey>20%，_blank class=infotextkey>get=_blank class=infotextkey>利率变成5.88%，还款利息总额是1_blank class=infotextkey>get=_blank class=infotextkey>1_blank class=infotextkey>3_blank class=infotextkey>get=_blank class=infotextkey>万，月供5918元。
_blank class=infotextkey>get=_blank class=infotextkey>2、_blank class=infotextkey>get=_blank class=infotextkey>房贷_blank class=infotextkey>get=_blank class=infotextkey>利率_blank class=infotextkey>get=_blank class=infotextkey>下调_blank class=infotextkey>30%，_blank class=infotextkey>get=_blank class=infotextkey>利率变成_blank class=infotextkey>3.4_blank class=infotextkey>3%，还款利息总额是_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>60_blank class=infotextkey>get=_blank class=infotextkey>万，月供4451元。
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若_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>房_blank class=infotextkey>get=_blank class=infotextkey>子所在_blank class=infotextkey>get=_blank class=infotextkey>城市，_blank class=infotextkey>get=_blank class=infotextkey>前景.fan_blank class=infotextkey>g558.com/_blank class=infotextkey>guan_blank class=infotextkey>gmin_blank class=infotextkey>g/ tar_blank class=infotextkey>get=_blank class=infotextkey>光明，要_blank class=infotextkey>get=_blank class=infotextkey>选_blank class=infotextkey>30年期等额本息；_blank class=infotextkey>get=_blank class=infotextkey>前景黯淡，要_blank class=infotextkey>get=_blank class=infotextkey>选_blank class=infotextkey>get=_blank class=infotextkey>20年期等额_blank class=infotextkey>get=_blank class=infotextkey>本_blank class=infotextkey>get=_blank class=infotextkey>金。 本文首发于_blank class=infotextkey>get=_blank class=infotextkey>小白读_blank class=infotextkey>get=_blank class=infotextkey>财经。
