{"id":94161,"date":"2026-08-18T09:34:57","date_gmt":"2026-08-18T14:34:57","guid":{"rendered":"https:\/\/blog.jackjia.com\/?p=94161"},"modified":"2026-08-18T09:34:57","modified_gmt":"2026-08-18T14:34:57","slug":"20260818-%e5%90%88%e4%bc%99%e4%b9%b0%e6%88%bf%e4%b8%80%e8%b5%b7%e5%8f%91%e8%b4%a2%ef%bc%9f%e5%8a%a0%e6%8b%bf%e5%a4%a7%e6%88%bf%e4%bb%b7%e4%b8%8b%e8%b7%8c%e5%90%8e%e6%89%8d%e5%8f%91%e7%8e%b0%ef%bc%9a","status":"publish","type":"post","link":"https:\/\/blog.jackjia.com\/?p=94161","title":{"rendered":"20260818\/\u5408\u4f19\u4e70\u623f\u4e00\u8d77\u53d1\u8d22\uff1f\u52a0\u62ff\u5927\u623f\u4ef7\u4e0b\u8dcc\u540e\u624d\u53d1\u73b0\uff1a\u4e00\u4e2a\u4eba\u8fdd\u7ea6\uff0c\u6240\u6709\u4eba\u90fd\u53ef\u80fd\u88ab\u8ffd\u503a"},"content":{"rendered":"<p>\u52a0\u62ff\u5927\u661f\u661f\u751f\u6d3b\u6377\u514b\u4f73\/\u8fc7\u53bb20\u5e74\uff0c\u52a0\u62ff\u5927\u623f\u5730\u4ea7\u4ef7\u683c\u4e00\u8def\u4e0a\u6da8\uff0c\u201c\u548c\u7236\u6bcd\u3001\u5144\u5f1f\u59d0\u59b9\u3001\u670b\u53cb\u4e00\u8d77\u5408\u4f19\u4e70\u623f\u201d\u66fe\u7ecf\u88ab\u4e0d\u5c11\u4eba\u89c6\u4e3a\u4e00\u79cd\u806a\u660e\u7684\u7f6e\u4e1a\u65b9\u5f0f\u3002<\/p>\n<p>\u51e0\u4e2a\u4eba\u5171\u540c\u627f\u62c5\u9996\u4ed8\u548c\u623f\u8d37\uff0c\u53ef\u4ee5\u964d\u4f4e\u4e2a\u4eba\u8d2d\u623f\u95e8\u69db\uff0c\u4e5f\u80fd\u8ba9\u539f\u672c\u4e70\u4e0d\u8d77\u623f\u7684\u4eba\u8fdb\u5165\u623f\u5730\u4ea7\u5e02\u573a\u3002<\/p>\n<p>\u5f53\u623f\u4ef7\u4e0a\u6da8\u65f6\uff0c\u8fd9\u79cd\u6a21\u5f0f\u770b\u8d77\u6765\u51e0\u4e4e\u4eba\u4eba\u90fd\u662f\u8d62\u5bb6\u3002\u4f46\u95ee\u9898\u662f\uff0c\u5f53\u623f\u4ef7\u4e0b\u8dcc\u3001\u6709\u4eba\u5931\u4e1a\u3001\u6709\u4eba\u642c\u8d70\uff0c\u751a\u81f3\u6709\u4eba\u4e0d\u518d\u8fd8\u8d37\u6b3e\u65f6\uff0c\u60c5\u51b5\u53ef\u80fd\u5b8c\u5168\u4e0d\u540c\u3002<\/p>\n<p>\u5982\u4eca\uff0c\u4e00\u4e9b\u5408\u4f19\u4e70\u623f\u5bb6\u5ead\u6b63\u5728\u4e3a\u5f53\u521d\u7684\u51b3\u5b9a\u4ed8\u51fa\u6c89\u91cd\u4ee3\u4ef7\u3002<\/p>\n<p>\u66f4\u503c\u5f97\u8b66\u60d5\u7684\u662f\uff1a\u94f6\u884c\u8ffd\u503a\u65f6\uff0c\u5e76\u4e0d\u4f1a\u56e0\u4e3a\u4f60\u53ea\u62e5\u6709\u623f\u4ea7\u7684\u4e00\u5c0f\u90e8\u5206\uff0c\u5c31\u53ea\u5411\u4f60\u8ffd\u8ba8\u8fd9\u4e00\u90e8\u5206\u503a\u52a1\u3002<\/p>\n<p><a href=\"http:\/\/blog.jackjia.com\/wp-content\/uploads\/2026\/08\/fp260818_1.png\"><img loading=\"lazy\" src=\"http:\/\/blog.jackjia.com\/wp-content\/uploads\/2026\/08\/fp260818_1.png\" alt=\"\" width=\"756\" height=\"606\" class=\"aligncenter size-full wp-image-94162\" srcset=\"https:\/\/blog.jackjia.com\/wp-content\/uploads\/2026\/08\/fp260818_1.png 756w, https:\/\/blog.jackjia.com\/wp-content\/uploads\/2026\/08\/fp260818_1-300x240.png 300w\" sizes=\"(max-width: 756px) 100vw, 756px\" \/><\/a><\/p>\n<p>**\u5408\u4f19\u4e70\u623f\u98ce\u9669\u5728\u623f\u4ef7\u8d70\u4f4e\u540e\u5f00\u59cb\u6d6e\u73b0<\/p>\n<p>\u52a0\u62ff\u5927\u623f\u5730\u4ea7\u534f\u4f1a\uff08CREA\uff09\u7684\u6570\u636e\u663e\u793a\uff0c\u52a0\u62ff\u5927\u5e73\u5747\u623f\u4ef7\u76ee\u524d\u8f832022\u5e742\u6708\u7684\u9ad8\u5cf0\u6c34\u5e73\u4f4e\u7ea616%\u3002<\/p>\n<p>\u5bf9\u4e8e\u90a3\u4e9b\u5728\u623f\u4ef7\u9ad8\u5cf0\u9644\u8fd1\u4e70\u5165\u3001\u9996\u4ed8\u53c8\u6bd4\u8f83\u4f4e\u7684\u5bb6\u5ead\u6765\u8bf4\uff0c\u8fd9\u610f\u5473\u7740\u623f\u5c4b\u4ef7\u503c\u53ef\u80fd\u5df2\u7ecf\u4f4e\u4e8e\u672a\u507f\u8fd8\u7684\u623f\u8d37\u3002<\/p>\n<p>\u8fd9\u79cd\u60c5\u51b5\u88ab\u79f0\u4e3aunderwater mortgage\uff0c\u4e5f\u5c31\u662f\u4fd7\u79f0\u7684\u201c\u623f\u5b50\u5012\u6b20\u94f6\u884c\u94b1\u201d\u3002<\/p>\n<p>\u4e00\u4f4d\u52a0\u62ff\u5927\u6301\u724c\u7834\u4ea7\u53d7\u6258\u4eba\u3001Hoyes, Michalos &#038; Associates\u8054\u5408\u521b\u59cb\u4ebaDouglas Hoyes\u8868\u793a\uff0c\u4ed6\u5df2\u7ecf\u770b\u5230\u5927\u91cf\u7c7b\u4f3c\u6848\u4f8b\u3002<\/p>\n<p>\u4ed6\u8bf4\uff0c\u94f6\u884c\u5728\u8ffd\u8ba8\u6b20\u6b3e\u65f6\uff0c\u4f1a\u5bfb\u627e\u771f\u6b63\u6709\u80fd\u529b\u507f\u8fd8\u503a\u52a1\u7684\u4eba\u3002<\/p>\n<p>\u7b80\u5355\u6765\u8bf4\uff0c\u8c01\u5728\u52a0\u62ff\u5927\u6709\u8d44\u4ea7\u3001\u6709\u5de5\u4f5c\u3001\u6709\u6536\u5165\uff0c\u8c01\u5c31\u53ef\u80fd\u6210\u4e3a\u94f6\u884c\u91cd\u70b9\u8ffd\u503a\u5bf9\u8c61\u3002<\/p>\n<p>**\u56db\u4e2a\u4eba\u5408\u4f19\u4e70\u623f\u6700\u540e\u53ea\u5269\u4e00\u4e2a\u4eba\u9762\u5bf9\u94f6\u884c<\/p>\n<p>Hoyes\u5206\u4eab\u4e86\u4e00\u4e2a\u6700\u8fd1\u9047\u5230\u7684\u6848\u4f8b\u3002<\/p>\n<p>2021\u5e74\uff0c\u4e09\u5144\u5f1f\u548c\u7236\u4eb2\u4e00\u8d77\u4e70\u4e86\u4e00\u5957\u623f\u5b50\u3002\u5f53\u65f6\u6b63\u503c\u52a0\u62ff\u5927\u623f\u5730\u4ea7\u5e02\u573a\u9ad8\u4f4d\u9644\u8fd1\u3002<\/p>\n<p>\u5982\u4eca\uff0c\u8fd9\u5957\u623f\u5b50\u7684\u4ef7\u503c\u5df2\u7ecf\u6bd4\u5269\u4f59\u8d37\u6b3e\u4f4e\u4e86\u5927\u7ea617.5\u4e07\u52a0\u5143\uff0c\u6700\u7ec8\u8fdb\u5165\u4e86\u94f6\u884c\u5f3a\u5236\u5356\u623f\uff08power of sale\uff09\u3002<\/p>\n<p>\u8fd9\u610f\u5473\u7740\uff0c\u7531\u4e8e\u623f\u8d37\u51fa\u73b0\u62d6\u6b20\uff0c\u8d37\u6b3e\u673a\u6784\u53ef\u4ee5\u901a\u8fc7\u6cd5\u5f8b\u7a0b\u5e8f\u51fa\u552e\u623f\u5c4b\uff0c\u4ee5\u8ffd\u56de\u6b20\u6b3e\u3002<\/p>\n<p>\u66f4\u9ebb\u70e6\u7684\u662f\uff0c\u8fd9\u4e00\u5bb6\u4eba\u7684\u60c5\u51b5\u53d1\u751f\u4e86\u5de8\u5927\u53d8\u5316\u3002\u5176\u4e2d\u4e00\u4e2a\u513f\u5b50\u57282024\u5e74\u5931\u53bb\u4e86\u5de5\u4f5c\uff0c\u968f\u540e\u642c\u56de\u6d77\u5916\u3002\u53e6\u4e00\u4e2a\u8d1f\u8d23\u4fc3\u6210\u8d2d\u623f\u4ea4\u6613\u7684\u513f\u5b50\u5df2\u7ecf\u642c\u5230\u4e86\u7f8e\u56fd\u3002\u7236\u4eb2\u5df2\u7ecf\u9000\u4f11\uff0c\u76ee\u524d\u4f4f\u5728\u58a8\u897f\u54e5\uff0c\u4e3b\u8981\u4f9d\u9760\u52a0\u62ff\u5927\u7684CPP\u548cOAS\u517b\u8001\u91d1\u751f\u6d3b\u3002<\/p>\n<p>\u6700\u540e\uff0c\u53ea\u5269\u4e0b\u7b2c\u4e09\u4e2a\u513f\u5b50\u8fd8\u4f4f\u5728\u591a\u4f26\u591a\u3002<\/p>\n<p>\u4ed6\u5f53\u521d\u4e5f\u53c2\u4e0e\u4e86\u6295\u8d44\u5e76\u627f\u62c5\u4e86\u8d44\u91d1\u6295\u5165\uff0c\u4f46\u5982\u4eca\u5374\u6210\u4e86\u94f6\u884c\u91cd\u70b9\u8ffd\u503a\u7684\u5bf9\u8c61\u2014\u2014\u56e0\u4e3a\u5728\u8fd9\u51e0\u4e2a\u4eba\u5f53\u4e2d\uff0c\u53ea\u6709\u4ed6\u4ecd\u7136\u751f\u6d3b\u5728\u52a0\u62ff\u5927\uff0c\u800c\u4e14\u62e5\u6709\u5de5\u4f5c\u548c\u8d44\u4ea7\u3002<\/p>\n<p>Hoyes\u8868\u793a\uff0c\u4ed6\u53ef\u4ee5\u8bb2\u51fa\u201c50\u4e2a\u51e0\u4e4e\u4e00\u6a21\u4e00\u6837\u7684\u6545\u4e8b\u201d\u3002<\/p>\n<p>\u8fd9\u4e9b\u6848\u4f8b\u6700\u6838\u5fc3\u7684\u95ee\u9898\u662f\u4ec0\u4e48\uff1f\u5728\u623f\u5730\u4ea7\u5e02\u573a\u9ad8\u70b9\u9644\u8fd1\u4e70\u623f\uff0c\u800c\u4e14\u9996\u4ed8\u975e\u5e38\u4f4e\u3002<\/p>\n<p>**\u6709\u623f\u8d37\u4fdd\u9669\u5c31\u5b89\u5168\uff1f\u5927\u9519\u7279\u9519<\/p>\n<p>\u5f88\u591a\u52a0\u62ff\u5927\u8d2d\u623f\u8005\u53ef\u80fd\u4f1a\u8ba4\u4e3a\uff1a\u201c\u6211\u4e70\u4e86\u623f\u8d37\u4fdd\u9669\uff0c\u623f\u4ef7\u8dcc\u4e86\u662f\u4e0d\u662f\u4fdd\u9669\u516c\u53f8\u4f1a\u5e2e\u6211\u627f\u62c5\u635f\u5931\uff1f\u201d<\/p>\n<p>\u5e76\u4e0d\u662f\u8fd9\u6837\u3002<\/p>\n<p>\u5982\u679c\u8d2d\u623f\u8005\u9996\u4ed8\u4f4e\u4e8e20%\uff0c\u5e76\u4ece\u53d7\u76d1\u7ba1\u7684\u91d1\u878d\u673a\u6784\u7533\u8bf7\u623f\u8d37\uff0c\u901a\u5e38\u9700\u8981\u8d2d\u4e70\u623f\u8d37\u8fdd\u7ea6\u4fdd\u9669\uff08mortgage default insurance\uff09\u3002<\/p>\n<p>\u8fd9\u7c7b\u4fdd\u9669\u901a\u5e38\u7531\u52a0\u62ff\u5927\u4f4f\u623f\u53ca\u62b5\u62bc\u8d37\u6b3e\u516c\u53f8\uff08CMHC\uff09\u7b49\u673a\u6784\u63d0\u4f9b\u3002<\/p>\n<p>\u4f46\u4e00\u4e2a\u975e\u5e38\u5bb9\u6613\u88ab\u8bef\u89e3\u7684\u5730\u65b9\u662f\uff0c\u8fd9\u79cd\u4fdd\u9669\u4e3b\u8981\u4fdd\u62a4\u7684\u662f\u94f6\u884c\uff0c\u800c\u4e0d\u662f\u501f\u6b3e\u4eba\u3002<\/p>\n<p>\u5982\u679c\u94f6\u884c\u56e0\u4e3a\u623f\u4ea7\u51fa\u552e\u540e\u4ecd\u65e0\u6cd5\u6536\u56de\u5168\u90e8\u8d37\u6b3e\u800c\u906d\u53d7\u635f\u5931\uff0c\u4fdd\u9669\u673a\u6784\u53ef\u4ee5\u5411\u501f\u6b3e\u4eba\u8ffd\u8ba8\u76f8\u5173\u635f\u5931\u3002<\/p>\n<p>\u800c\u4e14\uff0c\u8fd9\u79cd\u8ffd\u8ba8\u751a\u81f3\u53ef\u80fd\u53d1\u751f\u5728\u591a\u5e74\u4ee5\u540e\u3002<\/p>\n<p>Hoyes\u8868\u793a\uff0c\u4ed6\u66fe\u7ecf\u9047\u5230\u8fc7\u4e00\u4e2a\u6848\u4f8b\uff0cCMHC\u76f4\u523010\u5e74\u540e\u624d\u5411\u501f\u6b3e\u4eba\u8ffd\u8ba8\u635f\u5931\u3002<\/p>\n<p>\u6240\u4ee5\uff0c\u623f\u8d37\u4fdd\u9669\u2260\u4f60\u4e0d\u7528\u8fd8\u94b1\u3002<\/p>\n<p>**\u4e3a\u4ec0\u4e48\u5408\u4f19\u4e70\u623f\u4ecd\u7136\u8d8a\u6765\u8d8a\u53d7\u6b22\u8fce\uff1f<\/p>\n<p>\u5c3d\u7ba1\u98ce\u9669\u5df2\u7ecf\u5f00\u59cb\u663e\u73b0\uff0c\u4f46\u5408\u4f19\u4e70\u623f\u5e76\u6ca1\u6709\u6d88\u5931\u3002<\/p>\n<p>\u539f\u56e0\u5f88\u7b80\u5355\uff0c\u73b0\u5728\u7684\u623f\u4ef7\u5bf9\u4e00\u4e9b\u4e70\u5bb6\u6765\u8bf4\u53cd\u800c\u63d0\u4f9b\u4e86\u66f4\u4f4e\u7684\u5165\u573a\u95e8\u69db\u3002<\/p>\n<p>\u51e0\u4e2a\u4eba\u5171\u540c\u8d2d\u4e70\u4e00\u5957\u623f\u4ea7\uff0c\u53ef\u4ee5\u5171\u540c\u627f\u62c5\u9996\u4ed8\u3001\u8d37\u6b3e\u548c\u6301\u6709\u6210\u672c\uff0c\u4ece\u800c\u8ba9\u66f4\u591a\u4eba\u7b26\u5408\u8d37\u6b3e\u8d44\u683c\u3002<\/p>\n<p>BC\u7701\u623f\u5730\u4ea7\u7ecf\u7eaa\u4eba\u3001Collaborative Home Ownership BC\u8054\u5408\u521b\u59cb\u4ebaNoam Dolgin\u8868\u793a\uff0c\u76ee\u524d\u4ecd\u7136\u6709\u4e0d\u5c11\u5408\u4e70\u623f\u4ea4\u6613\u6b63\u5728\u8fdb\u884c\u3002<\/p>\n<p>\u4ed6\u6240\u5728\u7684\u673a\u6784\u901a\u5e38\u5e2e\u52a9\u5bb6\u4eba\u3001\u670b\u53cb\uff0c\u751a\u81f3\u4e92\u4e0d\u8ba4\u8bc6\u7684\u4eba\u5171\u540c\u8d2d\u623f\u3002<\/p>\n<p>\u4e00\u79cd\u5e38\u89c1\u6a21\u5f0f\u662f\uff0c\u6bcf\u4e2a\u4eba\u62e5\u6709\u81ea\u5df1\u7684\u5c45\u4f4f\u7a7a\u95f4\uff0c\u4f46\u6574\u5957\u623f\u4ea7\u5e76\u4e0d\u662f\u5206\u522b\u767b\u8bb0\u5728\u6bcf\u4e2a\u4eba\u540d\u4e0b\u3002<\/p>\n<p>\u8fd9\u79cd\u7ed3\u6784\u5728\u5f62\u5f0f\u4e0a\u6709\u70b9\u50cf\u5171\u7ba1\u516c\u5bd3\uff08condo\uff09\uff0c\u4f46\u6cd5\u5f8b\u6027\u8d28\u5e76\u4e0d\u5b8c\u5168\u76f8\u540c\u3002<\/p>\n<p>\u800c\u6700\u5173\u952e\u7684\u4e00\u70b9\u662f\uff0c\u5982\u679c\u4f60\u662f\u623f\u4ea7\u7684\u5171\u6709\u4eba\u5e76\u4e14\u540c\u65f6\u51fa\u73b0\u5728\u8d37\u6b3e\u6587\u4ef6\u4e0a\uff0c\u4f60\u53ef\u80fd\u9700\u8981\u5bf9\u6574\u7b14\u8d37\u6b3e\u627f\u62c5\u8d23\u4efb\u3002<\/p>\n<p>**\u4e00\u4e2a\u4eba\u53ea\u536050%\u4e3a\u4f55\u53ef\u80fd\u8981\u627f\u62c5100%\u7684\u8d37\u6b3e\uff1f<\/p>\n<p>\u4e3e\u4e00\u4e2a\u7b80\u5355\u7684\u4f8b\u5b50\u3002<\/p>\n<p>\u5047\u8bbe\u4e24\u4e2a\u4eba\u5408\u4e70\u4e00\u5957\u4ef7\u503c200\u4e07\u52a0\u5143\u7684\u623f\u5b50\u3002\u53cc\u65b9\u5404\u536050%\u7684\u4ea7\u6743\u3002<\/p>\n<p>\u4f46\u56e0\u4e3a\u4e24\u4eba\u7684\u9996\u4ed8\u6b3e\u4e0d\u540c\uff0c\u8d37\u6b3e\u91d1\u989d\u4e5f\u53ef\u80fd\u4e0d\u540c\uff1aA\u8d37\u6b3e50\u4e07\uff0cB\u8d37\u6b3e90\u4e07\u3002<\/p>\n<p>\u867d\u7136\u53cc\u65b9\u62e5\u670950\/50\u7684\u4ea7\u6743\uff0c\u4f46\u5728\u94f6\u884c\u773c\u91cc\uff0c\u60c5\u51b5\u5e76\u6ca1\u6709\u8fd9\u4e48\u7b80\u5355\u3002<\/p>\n<p>\u53ea\u8981\u4e24\u4e2a\u4eba\u5171\u540c\u51fa\u73b0\u5728\u623f\u8d37\u548c\u4ea7\u6743\u6587\u4ef6\u4e0a\uff0c\u94f6\u884c\u53ef\u4ee5\u5411\u6240\u6709\u5171\u540c\u501f\u6b3e\u4eba\u8ffd\u8ba8\u6574\u4e2a\u8d37\u6b3e\u4e49\u52a1\u3002<\/p>\n<p>\u4e5f\u5c31\u662f\u8bf4\uff0c\u4ea7\u6743\u6bd4\u4f8b\u548c\u4f60\u5bf9\u94f6\u884c\u627f\u62c5\u7684\u503a\u52a1\u8d23\u4efb\uff0c\u5e76\u4e0d\u662f\u4e00\u56de\u4e8b\u3002<\/p>\n<p>\u8fd9\u4e5f\u662f\u5408\u4e70\u623f\u6700\u5bb9\u6613\u88ab\u5ffd\u7565\u7684\u98ce\u9669\u4e4b\u4e00\u3002<\/p>\n<p>**\u4e00\u4e2a\u4eba\u4e0d\u8fd8\u94b1\uff0c\u5176\u4ed6\u4eba\u600e\u4e48\u529e\uff1f<\/p>\n<p>\u4e13\u4e1a\u4eba\u58eb\u8868\u793a\uff0c\u5408\u4e70\u623f\u534f\u8bae\u5fc5\u987b\u63d0\u524d\u660e\u786e\u8fd9\u79cd\u60c5\u51b5\u3002<\/p>\n<p>\u4f8b\u5982\uff0c\u5982\u679c\u5176\u4e2d\u4e00\u4e2a\u5171\u6709\u4eba\u7a81\u7136\u505c\u6b62\u652f\u4ed8\u623f\u8d37\uff0c\u53ef\u4ee5\u5728\u534f\u8bae\u4e2d\u89c4\u5b9a\uff1a\u5982\u4f55\u5904\u7406\u62d6\u6b20\u6b3e\u9879\uff1b\u5176\u4ed6\u5171\u6709\u4eba\u662f\u5426\u53ef\u4ee5\u4ee3\u4e3a\u652f\u4ed8\uff1b\u8fdd\u7ea6\u8005\u662f\u5426\u5fc5\u987b\u51fa\u552e\u81ea\u5df1\u7684\u4ea7\u6743\u4efd\u989d\uff1b\u8c01\u62e5\u6709\u4f18\u5148\u8d2d\u4e70\u6743\uff1b\u5982\u679c\u6709\u4eba\u60f3\u9000\u51fa\uff0c\u623f\u5b50\u5982\u4f55\u4f30\u503c\uff1b\u5982\u679c\u65e0\u6cd5\u8fbe\u6210\u4e00\u81f4\uff0c\u6700\u7ec8\u5982\u4f55\u51fa\u552e\u623f\u5c4b\u3002<\/p>\n<p>Dolgin\u8868\u793a\uff0c\u4e00\u4e9b\u5408\u4e70\u534f\u8bae\u751a\u81f3\u53ef\u4ee5\u89c4\u5b9a\uff0c\u5982\u679c\u67d0\u4e2a\u4eba\u6301\u7eed\u8fdd\u7ea6\uff0c\u53ef\u4ee5\u8981\u6c42\u5176\u628a\u81ea\u5df1\u7684\u4efd\u989d\u51fa\u552e\u7ed9\u7b2c\u4e09\u65b9\u3002<\/p>\n<p>\u6b64\u5916\uff0c\u8fd8\u53ef\u4ee5\u8003\u8651\u8d2d\u4e70\u4eba\u5bff\u4fdd\u9669\u548c\u4f24\u6b8b\u4fdd\u9669\uff0c\u4ee5\u5e94\u5bf9\u6b7b\u4ea1\u3001\u91cd\u5927\u4f24\u6b8b\u6216\u5931\u53bb\u5de5\u4f5c\u80fd\u529b\u7b49\u6781\u7aef\u60c5\u51b5\u3002<\/p>\n<p>**\u771f\u6b63\u5371\u9669\u4e0d\u662f\u201c\u5408\u4e70\u201d\uff0c\u800c\u662f\u6ca1\u6709\u9000\u51fa\u65b9\u6848<\/p>\n<p>\u7406\u8d22\u89c4\u5212\u5e08Jennifer Hughes\u8868\u793a\uff0c\u5408\u4e70\u623f\u672c\u8eab\u5e76\u4e0d\u4e00\u5b9a\u662f\u9519\u8bef\u7684\u9009\u62e9\u3002<\/p>\n<p>\u5979\u751a\u81f3\u89c1\u8fc7\u4e13\u4e1a\u4eba\u58eb\u4e0e\u5176\u4ed6\u56db\u4e2a\u4eba\u4e00\u8d77\u8d2d\u4e70\u623f\u4ea7\uff0c\u4e5f\u770b\u5230\u4e00\u4e9b\u8001\u5e74\u4eba\u901a\u8fc7\u5171\u540c\u8d2d\u623f\u6765\u964d\u4f4e\u4f4f\u623f\u6210\u672c\u3002<\/p>\n<p>\u4f46\u5979\u5f3a\u8c03\uff0c\u8fdb\u5165\u5408\u4e70\u534f\u8bae\u4e4b\u524d\uff0c\u4e00\u5b9a\u8981\u201c\u7741\u5927\u773c\u775b\u201d\u3002<\/p>\n<p>\u56e0\u4e3a\u5927\u5bb6\u901a\u5e38\u53ea\u8003\u8651\uff1a\u201c\u6211\u4eec\u600e\u4e48\u4e70\u5f97\u8d77\uff1f\u201d\u5374\u5f88\u5c11\u8ba4\u771f\u8003\u8651\uff1a\u201c\u4ee5\u540e\u600e\u4e48\u9000\u51fa\uff1f\u201d<\/p>\n<p>\u8fd9\u53ef\u80fd\u624d\u662f\u5408\u4e70\u623f\u6700\u91cd\u8981\u7684\u95ee\u9898\u3002<\/p>\n<p>\u4f8b\u5982\u6709\u4eba\u7ed3\u5a5a\u3001\u79bb\u5a5a\u3001\u60f3\u642c\u5bb6\u3001\u60f3\u5356\u623f\u3001\u6709\u4eba\u7a81\u7136\u5931\u4e1a\u600e\u4e48\u529e\uff1f\u6709\u4eba\u53bb\u4e16\u540e\uff0c\u4ea7\u6743\u600e\u4e48\u5904\u7406\uff1f\u7ee7\u627f\u4eba\u662f\u5426\u613f\u610f\u7ee7\u7eed\u5408\u4e70\uff1f\u623f\u4ef7\u4e0b\u8dcc\u540e\uff0c\u5982\u679c\u6709\u4eba\u60f3\u9000\u51fa\uff0c\u8c01\u627f\u62c5\u635f\u5931\uff1f<\/p>\n<p>\u8fd9\u4e9b\u95ee\u9898\u5982\u679c\u4e8b\u5148\u6ca1\u6709\u5199\u8fdb\u534f\u8bae\uff0c\u6700\u540e\u5f88\u53ef\u80fd\u53ea\u80fd\u901a\u8fc7\u5f8b\u5e08\u751a\u81f3\u6cd5\u9662\u89e3\u51b3\u3002<\/p>\n<p>**\u5f8b\u5e08\u8b66\u544a\uff1a\u7b7e\u4e86\u5b57\u5c31\u5f88\u96be\u201c\u7529\u9505\u201d<\/p>\n<p>\u591a\u4f26\u591a\u623f\u5730\u4ea7\u5f8b\u5e08Bob 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agreement\uff09\uff0c\u800c\u4e0d\u662f\u4ec5\u51ed\u4eb2\u60c5\u3001\u53cb\u60c5\u548c\u53e3\u5934\u7ea6\u5b9a\u3002<\/p>\n<p>\u56e0\u4e3a\u5408\u4e70\u623f\u6700\u597d\u7684\u65f6\u5019\uff0c\u662f\u5927\u5bb6\u90fd\u8d5a\u94b1\u7684\u65f6\u5019\u3002<\/p>\n<p>\u771f\u6b63\u8003\u9a8c\u4e00\u6bb5\u5408\u4e70\u5173\u7cfb\u7684\uff0c\u662f\u623f\u4ef7\u4e0b\u8dcc\u3001\u6709\u4eba\u5931\u4e1a\u3001\u6709\u4eba\u60f3\u9000\u51fa\u7684\u65f6\u5019\u3002<\/p>\n<p>\u65b0\u95fb\u6765\u6e90\uff1a<\/p>\n<p>https:\/\/financialpost.com\/personal-finance\/garry-marr-shared-home-ownership-feel-good-trend-now-some-paying-big-price<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u52a0\u62ff\u5927\u661f\u661f\u751f\u6d3b\u6377\u514b\u4f73\/\u8fc7\u53bb20\u5e74\uff0c\u52a0\u62ff\u5927\u623f\u5730\u4ea7\u4ef7\u683c\u4e00\u8def\u4e0a\u6da8\uff0c\u201c\u548c\u7236\u6bcd\u3001\u5144\u5f1f\u59d0\u59b9\u3001\u670b\u53cb\u4e00\u8d77\u5408\u4f19\u4e70\u623f\u201d\u66fe\u7ecf\u88ab\u4e0d\u5c11\u4eba\u89c6\u4e3a\u4e00\u79cd\u806a\u660e\u7684\u7f6e\u4e1a\u65b9\u5f0f\u3002 \u51e0\u4e2a\u4eba\u5171\u540c\u627f\u62c5\u9996\u4ed8\u548c\u623f\u8d37\uff0c\u53ef\u4ee5\u964d\u4f4e\u4e2a\u4eba\u8d2d\u623f\u95e8\u69db\uff0c\u4e5f\u80fd\u8ba9\u539f\u672c\u4e70\u4e0d\u8d77\u623f\u7684\u4eba\u8fdb\u5165\u623f\u5730\u4ea7\u5e02\u573a\u3002 \u5f53\u623f\u4ef7\u4e0a\u6da8\u65f6\uff0c\u8fd9\u79cd\u6a21\u5f0f\u770b\u8d77\u6765\u51e0\u4e4e\u4eba\u4eba\u90fd\u662f\u8d62\u5bb6\u3002\u4f46\u95ee\u9898\u662f\uff0c\u5f53\u623f\u4ef7\u4e0b\u8dcc\u3001\u6709\u4eba\u5931\u4e1a&#8230;<br \/><a class=\"read-more-button\" href=\"https:\/\/blog.jackjia.com\/?p=94161\">Read more<\/a><\/p>\n","protected":false},"author":1,"featured_media":94162,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[3],"tags":[],"_links":{"self":[{"href":"https:\/\/blog.jackjia.com\/index.php?rest_route=\/wp\/v2\/posts\/94161"}],"collection":[{"href":"https:\/\/blog.jackjia.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/blog.jackjia.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/blog.jackjia.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/blog.jackjia.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=94161"}],"version-history":[{"count":1,"href":"https:\/\/blog.jackjia.com\/index.php?rest_route=\/wp\/v2\/posts\/94161\/revisions"}],"predecessor-version":[{"id":94163,"href":"https:\/\/blog.jackjia.com\/index.php?rest_route=\/wp\/v2\/posts\/94161\/revisions\/94163"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/blog.jackjia.com\/index.php?rest_route=\/wp\/v2\/media\/94162"}],"wp:attachment":[{"href":"https:\/\/blog.jackjia.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=94161"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/blog.jackjia.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=94161"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/blog.jackjia.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=94161"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}