{"id":94445,"date":"2026-09-03T10:23:43","date_gmt":"2026-09-03T15:23:43","guid":{"rendered":"https:\/\/blog.jackjia.com\/?p=94445"},"modified":"2026-09-03T10:23:43","modified_gmt":"2026-09-03T15:23:43","slug":"20260903-%e7%94%9f%e6%b4%bb%e6%89%80%e8%bf%ab%e6%8d%a2%e6%80%9d%e8%b7%af%ef%bc%81%e5%8a%a0%e6%8b%bf%e5%a4%a7%e4%ba%ba%e8%b6%85%e4%b8%89%e5%88%86%e4%b9%8b%e4%b8%80%e4%ba%ba%e9%9d%a0%e8%bf%99%e7%a7%8d","status":"publish","type":"post","link":"https:\/\/blog.jackjia.com\/?p=94445","title":{"rendered":"20260903\/\u751f\u6d3b\u6240\u8feb\u6362\u601d\u8def\uff01\u52a0\u62ff\u5927\u4eba\u8d85\u4e09\u5206\u4e4b\u4e00\u4eba\u9760\u8fd9\u79cd\u65b9\u5f0f\u8fd8\u623f\u8d37\u2026\u2026"},"content":{"rendered":"<p>\u52a0\u62ff\u5927\u661f\u661f\u751f\u6d3b\u6377\u514b\u4f73\/\u5bf9\u4e8e\u5f88\u591a\u52a0\u62ff\u5927\u4eba\u6765\u8bf4\uff0c\u4e70\u623f\u66fe\u7ecf\u610f\u5473\u7740\u62e5\u6709\u4e00\u4e2a\u5c5e\u4e8e\u81ea\u5df1\u7684\u5bb6\u3002<\/p>\n<p>\u4f46\u5982\u4eca\uff0c\u968f\u7740\u623f\u4ef7\u548c\u751f\u6d3b\u6210\u672c\u957f\u671f\u5904\u4e8e\u9ad8\u4f4d\uff0c\u8d8a\u6765\u8d8a\u591a\u8d2d\u623f\u8005\u53d1\u73b0\uff1a\u4e70\u5f97\u8d77\u623f\uff0c\u5e76\u4e0d\u4ee3\u8868\u4f9b\u5f97\u8d77\u623f\u3002<\/p>\n<p>\u4e8e\u662f\uff0c\u4e00\u4e2a\u8fc7\u53bb\u6bd4\u8f83\u5e38\u89c1\u4e8e\u6295\u8d44\u623f\u5e02\u573a\u7684\u505a\u6cd5\uff0c\u5982\u4eca\u6b63\u5728\u8fdb\u5165\u666e\u901a\u5bb6\u5ead\u2014\u2014\u4e70\u623f\u4e4b\u540e\uff0c\u628a\u5730\u4e0b\u5ba4\u3001\u540e\u5df7\u4f4f\u5b85\u3001\u82b1\u56ed\u5957\u623f\u6216\u5176\u4ed6\u72ec\u7acb\u7a7a\u95f4\u51fa\u79df\uff0c\u7528\u79df\u91d1\u6765\u62b5\u6d88\u4e00\u90e8\u5206\u623f\u8d37\u3002<\/p>\n<p>\u6700\u65b0\u8c03\u67e5\u663e\u793a\uff0c\u8d85\u8fc7\u4e09\u5206\u4e4b\u4e00\u52a0\u62ff\u5927\u4eba\u8868\u793a\uff0c\u5982\u679c\u60f3\u8d1f\u62c5\u5f97\u8d77\u81ea\u5df1\u7684\u4f4f\u623f\uff0c\u5c31\u9700\u8981\u51fa\u79df\u623f\u5c4b\u7684\u4e00\u90e8\u5206\u3002\u8fd9\u4e00\u6bd4\u4f8b\u5df2\u7ecf\u4ece2021\u5e74\u768425%\u4e0a\u5347\u5230\u7ea636%\u3002<\/p>\n<p>\u6362\u53e5\u8bdd\u8bf4\uff0c\u5bf9\u8d8a\u6765\u8d8a\u591a\u52a0\u62ff\u5927\u4eba\u800c\u8a00\uff0c\u201c\u51fa\u79df\u201d\u5df2\u7ecf\u4e0d\u53ea\u662f\u6295\u8d44\u624b\u6bb5\uff0c\u800c\u5f00\u59cb\u6210\u4e3a\u7ef4\u6301\u4f4f\u623f\u8d1f\u62c5\u80fd\u529b\u7684\u4e00\u79cd\u73b0\u5b9e\u9009\u62e9\u3002<\/p>\n<p><a href=\"http:\/\/blog.jackjia.com\/wp-content\/uploads\/2026\/09\/housing0903_1.png\"><img loading=\"lazy\" src=\"http:\/\/blog.jackjia.com\/wp-content\/uploads\/2026\/09\/housing0903_1.png\" alt=\"\" width=\"634\" height=\"421\" class=\"aligncenter size-full wp-image-94446\" srcset=\"https:\/\/blog.jackjia.com\/wp-content\/uploads\/2026\/09\/housing0903_1.png 634w, https:\/\/blog.jackjia.com\/wp-content\/uploads\/2026\/09\/housing0903_1-300x199.png 300w\" sizes=\"(max-width: 634px) 100vw, 634px\" \/><\/a><\/p>\n<p>**\u4e70\u623f\u524d\u5c31\u7b97\u597d\u4e86\uff1a\u5730\u4e0b\u5ba4\u5fc5\u987b\u8d5a\u94b1<\/p>\n<p>42\u5c81\u7684Alexis Levenson\u5c31\u662f\u5176\u4e2d\u4e00\u4e2a\u5178\u578b\u4f8b\u5b50\u3002<\/p>\n<p>2022\u5e74\uff0c\u5979\u51c6\u5907\u4ece\u516c\u5bd3\u5347\u7ea7\u5230\u66f4\u5927\u7684\u623f\u5b50\uff0c\u540c\u65f6\u4e5f\u5e0c\u671b\u4e3a\u7ec4\u5efa\u5bb6\u5ead\u505a\u51c6\u5907\u3002\u5f53\u65f6\u591a\u4f26\u591a\u623f\u5730\u4ea7\u5e02\u573a\u6709\u6240\u964d\u6e29\uff0c\u5979\u770b\u4e2d\u4e86\u4e00\u5957\u4f4d\u4e8e\u4e1c\u591a\u4f26\u591a\u76841950\u5e74\u4ee3\u534a\u72ec\u7acb\u5f0f\u5e73\u623f\u3002<\/p>\n<p>\u623f\u5b50\u9762\u79ef\u548c\u91c7\u5149\u90fd\u4e0d\u9519\uff0c\u6700\u5438\u5f15\u5979\u7684\u8fd8\u6709\u4e00\u4e2a\u5c1a\u672a\u88c5\u4fee\u7684\u5730\u4e0b\u5ba4\u3002<\/p>\n<p>\u5979\u5f88\u5feb\u610f\u8bc6\u5230\uff0c\u8fd9\u4e2a\u5730\u4e0b\u5ba4\u4e0d\u53ea\u662f\u201c\u989d\u5916\u7a7a\u95f4\u201d\uff0c\u66f4\u53ef\u80fd\u6210\u4e3a\u5e2e\u52a9\u81ea\u5df1\u652f\u4ed8\u623f\u8d37\u7684\u91cd\u8981\u6536\u5165\u6765\u6e90\u3002<\/p>\n<p>\u6700\u7ec8\uff0c\u5979\u4ee570\u4e07\u52a0\u5143\u4e70\u4e0b\u8fd9\u5957\u623f\u5b50\uff0c\u5e76\u57282023\u5e742\u6708\u6b63\u5f0f\u4ea4\u5272\u4e4b\u524d\uff0c\u5c31\u5df2\u7ecf\u5f00\u59cb\u7533\u8bf7\u5730\u4e0b\u5ba4\u6539\u9020\u8bb8\u53ef\uff0c\u5e0c\u671b\u628a\u5b83\u6539\u9020\u6210\u5408\u6cd5\u7684\u51fa\u79df\u5355\u5143\u3002<\/p>\n<p>\u4e3a\u4ec0\u4e48\u8fd9\u4e48\u7740\u6025\uff1f\u56e0\u4e3aLevenson\u5f88\u6e05\u695a\uff0c\u5982\u679c\u672a\u6765\u4f11\u4ea7\u5047\u3001\u9700\u8981\u6682\u65f6\u79bb\u5f00\u5de5\u4f5c\u5c97\u4f4d\uff0c\u751a\u81f3\u5931\u53bb\u5168\u804c\u5de5\u4f5c\uff0c\u5355\u9760\u81ea\u5df1\u7684\u6536\u5165\u53ef\u80fd\u5f88\u96be\u7ee7\u7eed\u627f\u62c5\u623f\u8d37\u3002<\/p>\n<p>\u5979\u7684\u60f3\u6cd5\u5f88\u7b80\u5355\uff0c\u65e2\u7136\u4e70\u623f\u4e4b\u540e\u8fd8\u6709\u4e00\u4e2a\u53ef\u4ee5\u5408\u6cd5\u51fa\u79df\u7684\u7a7a\u95f4\uff0c\u90a3\u5c31\u8ba9\u8fd9\u4e2a\u7a7a\u95f4\u5e2e\u81ea\u5df1\u4e00\u8d77\u4f9b\u623f\u3002<\/p>\n<p>\u4e8b\u5b9e\u8bc1\u660e\uff0c\u8fd9\u4e2a\u8ba1\u5212\u53d1\u6325\u4e86\u4f5c\u7528\u3002<\/p>\n<p>\u5979\u8868\u793a\uff0c\u5730\u4e0b\u5ba4\u51fa\u79df\u83b7\u5f97\u7684\u6536\u5165\uff0c\u76ee\u524d\u51e0\u4e4e\u53ef\u4ee5\u8986\u76d6\u5979\u6bcf\u6708\u623f\u8d37\u52a0\u5730\u7a0e\u603b\u652f\u51fa\u7684\u4e09\u5206\u4e4b\u4e8c\u3002<\/p>\n<p>\u5bf9\u4e8e\u4e00\u4e2a\u5355\u72ec\u627f\u62c5\u623f\u8d37\u7684\u5c4b\u4e3b\u6765\u8bf4\uff0c\u8fd9\u7b14\u6536\u5165\u76f8\u5f53\u53ef\u89c2\u3002<\/p>\n<p>**\u8d85\u8fc7\u4e09\u5206\u4e4b\u4e00\u52a0\u62ff\u5927\u4eba\uff1a\u6ca1\u6709\u79df\u91d1\u623f\u5b50\u53ef\u80fd\u4f9b\u4e0d\u8d77<\/p>\n<p>Levenson\u5e76\u4e0d\u662f\u4e2a\u4f8b\u3002<\/p>\n<p>\u52a0\u62ff\u5927\u62b5\u62bc\u8d37\u6b3e\u4e13\u4e1a\u4eba\u58eb\u534f\u4f1a\uff08Mortgage Professionals Canada\uff09\u4eca\u5e746\u6708\u516c\u5e03\u7684\u8c03\u67e5\u663e\u793a\uff0c\u8d85\u8fc7\u4e09\u5206\u4e4b\u4e00\u52a0\u62ff\u5927\u4eba\u8868\u793a\uff0c\u4ed6\u4eec\u9700\u8981\u51fa\u79df\u4f4f\u623f\u7684\u4e00\u90e8\u5206\uff0c\u624d\u80fd\u8d1f\u62c5\u4f4f\u623f\u6210\u672c\u3002<\/p>\n<p>\u800c\u57282021\u5e74\uff0c\u8fd9\u4e00\u6bd4\u4f8b\u8fd8\u662f25%\u3002<\/p>\n<p>\u8be5\u534f\u4f1a\u9996\u5e2d\u6267\u884c\u5b98Lauren van den Berg\u8868\u793a\uff0c\u52a0\u62ff\u5927\u4eba\u7684\u4f4f\u623f\u8d1f\u62c5\u538b\u529b\u6b63\u5728\u4e0d\u65ad\u589e\u52a0\u3002<\/p>\n<p>\u5bf9\u4e8e\u4e00\u90e8\u5206\u5bb6\u5ead\u6765\u8bf4\uff0c\u51fa\u79df\u5730\u4e0b\u5ba4\u3001\u4e8c\u7ea7\u5957\u623f\u3001\u82b1\u56ed\u5957\u623f\u6216\u540e\u5df7\u4f4f\u5b85\uff0c\u5df2\u7ecf\u4e0d\u518d\u53ea\u662f\u4e3a\u4e86\u8d5a\u4e00\u70b9\u201c\u96f6\u82b1\u94b1\u201d\u3002<\/p>\n<p>\u800c\u662f\u4e3a\u4e86\u8ba9\u6574\u4e2a\u5bb6\u5ead\u7684\u4f4f\u623f\u9884\u7b97\u80fd\u591f\u771f\u6b63\u6491\u5f97\u4f4f\u3002<\/p>\n<p>\u5c24\u5176\u662f\u5728\u591a\u4f26\u591a\u3001\u6e29\u54e5\u534e\u7b49\u623f\u4ef7\u8f83\u9ad8\u7684\u57ce\u5e02\uff0c\u8d2d\u623f\u8005\u8d8a\u6765\u8d8a\u9700\u8981\u5bfb\u627e\u989d\u5916\u6536\u5165\u6765\u6e90\u3002<\/p>\n<p><a href=\"http:\/\/blog.jackjia.com\/wp-content\/uploads\/2026\/09\/housing0903_2.png\"><img loading=\"lazy\" src=\"http:\/\/blog.jackjia.com\/wp-content\/uploads\/2026\/09\/housing0903_2.png\" alt=\"\" width=\"671\" height=\"408\" class=\"aligncenter size-large wp-image-94447\" srcset=\"https:\/\/blog.jackjia.com\/wp-content\/uploads\/2026\/09\/housing0903_2.png 671w, https:\/\/blog.jackjia.com\/wp-content\/uploads\/2026\/09\/housing0903_2-300x182.png 300w\" sizes=\"(max-width: 671px) 100vw, 671px\" \/><\/a><\/p>\n<p>**\u7b2c\u4e00\u6b21\u4e70\u623f\u4eba\u5148\u95ee\uff1a\u5730\u4e0b\u5ba4\u80fd\u79df\u591a\u5c11\u94b1\uff1f<\/p>\n<p>\u8fd9\u79cd\u53d8\u5316\u751a\u81f3\u5df2\u7ecf\u5f71\u54cd\u5230\u8d2d\u623f\u8005\u6311\u9009\u623f\u5b50\u7684\u65b9\u5f0f\u3002<\/p>\n<p>\u623f\u5730\u4ea7\u7ecf\u7eaa\u4eba\u8868\u793a\uff0c\u8d8a\u6765\u8d8a\u591a\u9996\u6b21\u8d2d\u623f\u8005\u5728\u770b\u623f\u65f6\uff0c\u4e0d\u518d\u53ea\u662f\u95ee\uff1a\u201c\u8fd9\u5957\u623f\u591a\u5c11\u94b1\uff1f\u201d\u800c\u662f\u5f00\u59cb\u95ee\uff1a\u201c\u5982\u679c\u6709\u5730\u4e0b\u5ba4\uff0c\u80fd\u79df\u591a\u5c11\u94b1\uff1f\u201d<\/p>\n<p>\u56e0\u4e3a\u540c\u6837\u7684\u6536\u5165\u548c\u9996\u4ed8\u60c5\u51b5\u4e0b\uff0c\u4e00\u5957\u62e5\u6709\u5408\u6cd5\u51fa\u79df\u5355\u5143\u7684\u623f\u5b50\uff0c\u610f\u5473\u7740\u4e70\u5bb6\u7684\u5b9e\u9645\u4f4f\u623f\u6210\u672c\u53ef\u80fd\u4f4e\u5f88\u591a\u3002<\/p>\n<p>\u4f8b\u5982\uff0c\u4e00\u4f4d\u5355\u8eab\u4e70\u5bb6\u539f\u672c\u53ef\u80fd\u53ea\u80fd\u8d1f\u62c530\u4e07\u52a0\u5143\u4ee5\u4e0b\u7684\u623f\u5b50\u3002\u4f46\u5982\u679c\u4e00\u595740\u4e07\u52a0\u5143\u7684\u623f\u5b50\u62e5\u6709\u53ef\u4ee5\u5408\u6cd5\u51fa\u79df\u7684\u5730\u4e0b\u5ba4\uff0c\u6bcf\u4e2a\u6708\u80fd\u591f\u83b7\u5f97\u7a33\u5b9a\u79df\u91d1\uff0c\u90a3\u4e48\u8fd9\u5957\u623f\u5b50\u7684\u5b9e\u9645\u6301\u6709\u6210\u672c\u5c31\u53ef\u80fd\u660e\u663e\u4e0b\u964d\u3002<\/p>\n<p>\u56e0\u6b64\uff0c\u539f\u672c\u201c\u4e70\u4e0d\u8d77\u201d\u7684\u623f\u5b50\uff0c\u7a81\u7136\u53d8\u5f97\u53ef\u4ee5\u8003\u8651\u3002<\/p>\n<p>\u8fd9\u4e5f\u89e3\u91ca\u4e86\u4e3a\u4ec0\u4e48\u5982\u4eca\u4e0d\u5c11\u8d2d\u623f\u8005\u628a\u201cmortgage helper\uff08\u623f\u8d37\u5e2e\u624b\uff09\u201d\u5217\u4e3a\u9009\u623f\u7684\u91cd\u8981\u6761\u4ef6\u3002<\/p>\n<p>**BC\u7701\u5c24\u5176\u660e\u663e\uff1a\u8d85\u8fc7\u4e00\u534a\u7684\u4eba\u9700\u8981\u79df\u91d1\u5e2e\u5fd9<\/p>\n<p>\u8fd9\u79cd\u8d8b\u52bf\u5728\u4e0d\u540c\u5730\u533a\u5dee\u5f02\u975e\u5e38\u660e\u663e\u3002<\/p>\n<p>\u8c03\u67e5\u663e\u793a\uff0c\u52a0\u62ff\u5927\u8349\u539f\u7701\u4efd\u53ea\u6709\u7ea619%\u7684\u53d7\u8bbf\u8005\u8868\u793a\u9700\u8981\u4f9d\u9760\u51fa\u79df\u4f4f\u623f\u7684\u4e00\u90e8\u5206\u6765\u8d1f\u62c5\u4f4f\u623f\u6210\u672c\u3002<\/p>\n<p>\u4f46\u5728\u5351\u8bd7\u7701\uff0c\u8fd9\u4e00\u6bd4\u4f8b\u8fbe\u523055%\u3002\u8fd9\u5e76\u4e0d\u4ee4\u4eba\u610f\u5916\u3002\u5351\u8bd7\u7701\u5c24\u5176\u662f\u5927\u6e29\u5730\u533a\u957f\u671f\u9762\u4e34\u9ad8\u623f\u4ef7\u95ee\u9898\uff0c\u4e70\u5bb6\u627f\u53d7\u7684\u623f\u8d37\u538b\u529b\u4e5f\u66f4\u5927\u3002<\/p>\n<p>\u6839\u636e\u76f8\u5173\u6570\u636e\uff0cBC\u7701\u5e73\u5747\u623f\u4ef7\u7ea6\u4e3a94.6\u4e07\u52a0\u5143\uff0c\u660e\u663e\u9ad8\u4e8e\u52a0\u62ff\u5927\u5168\u56fd\u7ea669.6\u4e07\u52a0\u5143\u7684\u5e73\u5747\u6c34\u5e73\u3002<\/p>\n<p>\u5728\u8fd9\u6837\u7684\u4ef7\u683c\u73af\u5883\u4e0b\uff0c\u4e00\u5957\u5e26\u5408\u6cd5\u51fa\u79df\u5957\u623f\u7684\u623f\u5b50\uff0c\u81ea\u7136\u66f4\u5bb9\u6613\u53d7\u5230\u4e70\u5bb6\u9752\u7750\u3002<\/p>\n<p>**\u6709\u51fa\u79df\u5957\u623f\u7684\u623f\u5b50\uff0c\u751a\u81f3\u53ef\u80fd\u66f4\u5bb9\u6613\u5356<\/p>\n<p>\u6e29\u54e5\u534e\u623f\u5730\u4ea7\u7ecf\u7eaa\u4ebaAdil Dinani\u8868\u793a\uff0c\u62e5\u6709\u989d\u5916\u51fa\u79df\u5355\u5143\u5df2\u7ecf\u6210\u4e3a\u4e0d\u5c11\u5ba2\u6237\u6700\u5173\u6ce8\u7684\u9700\u6c42\u4e4b\u4e00\u3002<\/p>\n<p>\u7279\u522b\u662f\u4e00\u4e9b\u6b63\u5728\u201c\u5347\u7ea7\u6362\u623f\u201d\u7684\u5343\u79a7\u4e00\u4ee3\u3002\u4ed6\u4eec\u53ef\u80fd\u5df2\u7ecf\u62e5\u6709\u516c\u5bd3\u6216\u8054\u6392\u4f4f\u5b85\uff0c\u73b0\u5728\u5e0c\u671b\u6362\u6210\u72ec\u7acb\u5c4b\uff0c\u4f46\u623f\u4ef7\u5dee\u8ddd\u592a\u5927\u3002<\/p>\n<p>\u600e\u4e48\u529e\uff1f\u8ba9\u623f\u5b50\u7684\u53e6\u4e00\u90e8\u5206\u4ea7\u751f\u6536\u5165\u3002<\/p>\n<p>Dinani\u4e3e\u4e86\u4e00\u4e2a\u5f88\u73b0\u5b9e\u7684\u4f8b\u5b50\uff1a\u5047\u8bbe\u5e02\u573a\u4e0a\u6709\u4e24\u5957\u9762\u79ef\u76f8\u8fd1\u3001\u6761\u4ef6\u7c7b\u4f3c\u7684\u623f\u5b50\uff0c\u5176\u4e2d\u4e00\u5957\u62e5\u6709\u5408\u6cd5\u7684\u4e00\u5c45\u5ba4\u51fa\u79df\u5957\u623f\uff0c\u6bcf\u6708\u53ef\u4ee5\u79df\u5230\u7ea61500\u52a0\u5143\uff1b\u53e6\u4e00\u5957\u6ca1\u6709\u3002<\/p>\n<p>\u5728\u5176\u4ed6\u6761\u4ef6\u5dee\u4e0d\u591a\u7684\u60c5\u51b5\u4e0b\uff0c\u4ed6\u8ba4\u4e3a\u5e26\u51fa\u79df\u5957\u623f\u7684\u623f\u5b50\u5f88\u53ef\u80fd\u66f4\u5feb\u627e\u5230\u4e70\u5bb6\u3002<\/p>\n<p>\u539f\u56e0\u5f88\u7b80\u5355\uff0c\u6bcf\u4e2a\u67081500\u52a0\u5143\uff0c\u76f8\u5f53\u4e8e\u4e00\u5e741.8\u4e07\u52a0\u5143\u7684\u989d\u5916\u73b0\u91d1\u6d41\u3002<\/p>\n<p>\u5bf9\u4e8e\u80cc\u8d1f\u51e0\u5341\u4e07\u52a0\u5143\u623f\u8d37\u7684\u5bb6\u5ead\u6765\u8bf4\uff0c\u8fd9\u5e76\u4e0d\u662f\u4e00\u7b14\u5c0f\u94b1\u3002<\/p>\n<p>\u8fd9\u4e5f\u610f\u5473\u7740\uff0c\u4e70\u5bb6\u8d8a\u6765\u8d8a\u628a\u51fa\u79df\u6536\u5165\u89c6\u4e3a\u4e00\u79cd\u201c\u5b89\u5168\u57ab\u201d\u3002<\/p>\n<p><a href=\"http:\/\/blog.jackjia.com\/wp-content\/uploads\/2026\/09\/housing0903_3.png\"><img loading=\"lazy\" src=\"http:\/\/blog.jackjia.com\/wp-content\/uploads\/2026\/09\/housing0903_3.png\" alt=\"\" width=\"622\" height=\"445\" class=\"aligncenter size-large wp-image-94448\" srcset=\"https:\/\/blog.jackjia.com\/wp-content\/uploads\/2026\/09\/housing0903_3.png 622w, https:\/\/blog.jackjia.com\/wp-content\/uploads\/2026\/09\/housing0903_3-300x215.png 300w\" sizes=\"(max-width: 622px) 100vw, 622px\" \/><\/a><\/p>\n<p>**\u5f00\u53d1\u5546\u4e5f\u53d1\u73b0\u4e86\u8fd9\u4e2a\u8d8b\u52bf<\/p>\n<p>\u8d2d\u623f\u8005\u9700\u6c42\u7684\u53d8\u5316\uff0c\u4e5f\u5f00\u59cb\u5f71\u54cd\u65b0\u623f\u5f00\u53d1\u3002<\/p>\n<p>\u5728\u5b89\u7701\u5f7c\u5f97\u5821\u5730\u533a\uff0c\u4e00\u4e9b\u65b0\u5efa\u4f4f\u5b85\u5df2\u7ecf\u5f00\u59cb\u628a\u5730\u4e0b\u5ba4\u51fa\u79df\u5355\u5143\u4f5c\u4e3a\u4ea7\u54c1\u5356\u70b9\u3002<\/p>\n<p>\u4f8b\u5982\uff0c\u4e00\u4e9b\u4e24\u5c42\u4f4f\u5b85\u914d\u5907\u5b8c\u6574\u88c5\u4fee\u7684\u5730\u4e0b\u5ba4\uff0c\u5e76\u8bbe\u7f6e\u72ec\u7acb\u5165\u53e3\uff0c\u4e3a\u672a\u6765\u51fa\u79df\u505a\u51c6\u5907\u3002<\/p>\n<p>\u5f00\u53d1\u5546\u8868\u793a\uff0c\u8fc7\u53bb\u51e0\u5e74\uff0c\u8d8a\u6765\u8d8a\u591a\u4e70\u5bb6\u8be2\u95ee\u8fd9\u7c7b\u623f\u5b50\u3002<\/p>\n<p>\u539f\u56e0\u540c\u6837\u975e\u5e38\u73b0\u5b9e\uff0c\u623f\u4ef7\u6da8\u4e86\uff0c\u4f46\u5de5\u8d44\u548c\u5bb6\u5ead\u6536\u5165\u5e76\u6ca1\u6709\u540c\u6b65\u589e\u52a0\u3002<\/p>\n<p>\u51e0\u5341\u5e74\u524d\u53ef\u80fd\u53ea\u9700\u8981\u51e0\u5341\u4e07\u52a0\u5143\u5c31\u80fd\u4e70\u5230\u7684\u623f\u5b50\uff0c\u5982\u4eca\u552e\u4ef7\u53ef\u80fd\u5df2\u7ecf\u8fbe\u523070\u4e07\u300180\u4e07\u751a\u81f3\u66f4\u9ad8\u3002<\/p>\n<p>\u4e8e\u662f\uff0c\u623f\u5b50\u7684\u529f\u80fd\u4e5f\u53d1\u751f\u4e86\u53d8\u5316\u3002\u8fc7\u53bb\u7684\u5730\u4e0b\u5ba4\u53ef\u80fd\u53ea\u662f\u50a8\u85cf\u5ba4\u3001\u5bb6\u5ead\u6d3b\u52a8\u5ba4\u6216\u8005\u5a31\u4e50\u7a7a\u95f4\u3002<\/p>\n<p>\u5982\u4eca\uff0c\u5b83\u53ef\u80fd\u76f4\u63a5\u53d8\u6210\u4e00\u4e2a\u623f\u8d37\u201c\u5e2e\u624b\u201d\u3002<\/p>\n<p>**\u51fa\u79df\u5730\u4e0b\u5ba4\u5e76\u4e0d\u662f\u201c\u8eba\u7740\u6536\u94b1\u201d<\/p>\n<p>\u5f53\u7136\uff0c\u79df\u91d1\u6536\u5165\u542c\u8d77\u6765\u5f88\u8bf1\u4eba\uff0c\u4f46\u4e13\u5bb6\u4e5f\u63d0\u9192\uff0c\u5c4b\u4e3b\u4e0d\u80fd\u53ea\u770b\u5230\u6bcf\u6708\u6536\u5230\u7684\u94b1\u3002<\/p>\n<p>\u9996\u5148\uff0c\u79df\u91d1\u6536\u5165\u9700\u8981\u62a5\u7a0e\u3002<\/p>\n<p>CIBC Private Wealth\u7684\u7a0e\u52a1\u4e13\u5bb6Jamie Golombek\u6307\u51fa\uff0c\u51fa\u79df\u623f\u5c4b\u83b7\u5f97\u7684\u6536\u5165\u5c5e\u4e8e\u5e94\u7a0e\u6536\u5165\u3002<\/p>\n<p>\u4e0d\u8fc7\uff0c\u5728\u7b26\u5408\u76f8\u5173\u89c4\u5b9a\u7684\u60c5\u51b5\u4e0b\uff0c\u5c4b\u4e3b\u901a\u5e38\u53ef\u4ee5\u6263\u9664\u90e8\u5206\u4e0e\u51fa\u79df\u6709\u5173\u7684\u652f\u51fa\uff0c\u4f8b\u5982\uff1a\u623f\u8d37\u5229\u606f\uff0c\u90e8\u5206\u5730\u7a0e\uff0c\u623f\u5c4b\u4fdd\u9669\uff0c\u6c34\u7535\u7b49\u90e8\u5206\u8d39\u7528\uff0c\u7ef4\u4fee\u548c\u7ef4\u62a4\u8d39\u7528\uff0c\u4e0e\u51fa\u79df\u6709\u5173\u7684\u6cd5\u5f8b\u8d39\u7528\u3002<\/p>\n<p>\u4f46\u4e0e\u6b64\u540c\u65f6\uff0c\u5c4b\u4e3b\u8fd8\u9700\u8981\u6ce8\u610f\u4e00\u4e2a\u91cd\u8981\u95ee\u9898\uff0c\u51fa\u79df\u90e8\u5206\u53ef\u80fd\u4f1a\u5f71\u54cd\u672a\u6765\u51fa\u552e\u623f\u5c4b\u65f6\u7684\u4e3b\u8981\u4f4f\u5b85\u8d44\u672c\u589e\u503c\u514d\u7a0e\u5f85\u9047\u3002<\/p>\n<p>\u4f8b\u5982\uff0c\u51fa\u79df\u7528\u9014\u5fc5\u987b\u662f\u4f4f\u5b85\u4e3b\u8981\u7528\u9014\u4e4b\u5916\u7684\u6b21\u8981\u7528\u9014\uff0c\u800c\u4e14\u5982\u679c\u5bf9\u623f\u5c4b\u8fdb\u884c\u91cd\u5927\u7ed3\u6784\u6539\u9020\uff0c\u60c5\u51b5\u53ef\u80fd\u66f4\u52a0\u590d\u6742\u3002<\/p>\n<p>\u6b64\u5916\uff0c\u5982\u679c\u5c4b\u4e3b\u7533\u62a5\u8d44\u672c\u6210\u672c\u6d25\u8d34\uff08CCA\uff09\uff0c\u4e5f\u53ef\u80fd\u5f71\u54cd\u4e3b\u8981\u4f4f\u5b85\u8d44\u672c\u589e\u503c\u514d\u7a0e\u8d44\u683c\u3002<\/p>\n<p>\u56e0\u6b64\uff0c\u5728\u628a\u5730\u4e0b\u5ba4\u6539\u6210\u51fa\u79df\u5355\u4f4d\u4e4b\u524d\uff0c\u6700\u597d\u5148\u54a8\u8be2\u4e13\u4e1a\u7a0e\u52a1\u4eba\u58eb\u3002<\/p>\n<p><a href=\"http:\/\/blog.jackjia.com\/wp-content\/uploads\/2026\/09\/housing0903_4.png\"><img loading=\"lazy\" src=\"http:\/\/blog.jackjia.com\/wp-content\/uploads\/2026\/09\/housing0903_4.png\" alt=\"\" width=\"650\" height=\"425\" class=\"aligncenter size-large wp-image-94449\" srcset=\"https:\/\/blog.jackjia.com\/wp-content\/uploads\/2026\/09\/housing0903_4.png 650w, https:\/\/blog.jackjia.com\/wp-content\/uploads\/2026\/09\/housing0903_4-300x196.png 300w\" sizes=\"(max-width: 650px) 100vw, 650px\" \/><\/a><\/p>\n<p>**\u5f53\u623f\u4e1c\u4e5f\u610f\u5473\u7740\u591a\u4e86\u4e00\u4efd\u8d23\u4efb<\/p>\n<p>\u9664\u4e86\u7a0e\u52a1\u95ee\u9898\uff0c\u8fd8\u6709\u4e00\u4e2a\u5f88\u591a\u7b2c\u4e00\u6b21\u5f53\u623f\u4e1c\u7684\u4eba\u5bb9\u6613\u5ffd\u7565\u7684\u95ee\u9898\uff1a\u79df\u91d1\u4e0d\u662f\u767d\u62ff\u7684\u3002<\/p>\n<p>\u79df\u5ba2\u53ef\u80fd\u8fdf\u4ea4\u623f\u79df\uff0c\u623f\u5c4b\u53ef\u80fd\u51fa\u73b0\u7a7a\u7f6e\u671f\uff0c\u4e5f\u53ef\u80fd\u53d1\u751f\u7ef4\u4fee\u95ee\u9898\u3002\u5982\u679c\u5730\u4e0b\u5ba4\u53d1\u751f\u6f0f\u6c34\u3001\u6392\u6c34\u7ba1\u5835\u585e\u3001\u6696\u6c14\u8bbe\u5907\u6545\u969c\uff0c\u5c4b\u4e3b\u90fd\u9700\u8981\u5904\u7406\u3002<\/p>\n<p>Levenson\u81ea\u5df1\u4e5f\u9047\u5230\u8fc7\u7c7b\u4f3c\u60c5\u51b5\u3002\u5979\u7684\u5730\u4e0b\u5ba4\u66fe\u53d1\u751f\u6392\u6c34\u95ee\u9898\uff0c\u6700\u7ec8\u9700\u8981\u66f4\u6362\u6696\u7089\u548c\u90e8\u5206\u7ba1\u9053\uff0c\u4ea7\u751f\u4e86\u989d\u5916\u5f00\u652f\u3002<\/p>\n<p>\u6240\u4ee5\u4e13\u5bb6\u63d0\u9192\uff0c\u79df\u91d1\u6536\u5165\u5e94\u8be5\u662f\u4e00\u4e2a\u5408\u7406\u623f\u8d37\u8ba1\u5212\u7684\u4e00\u90e8\u5206\uff0c\u800c\u4e0d\u80fd\u6210\u4e3a\u201c\u786c\u6491\u4e70\u8d35\u623f\u201d\u7684\u7406\u7531\u3002<\/p>\n<p>\u6362\u53e5\u8bdd\u8bf4\uff0c\u5982\u679c\u4e00\u5957\u623f\u5b50\u53ea\u6709\u5728\u4f60\u6bcf\u4e2a\u6708\u90fd\u80fd\u987a\u5229\u6536\u5230\u79df\u91d1\u7684\u60c5\u51b5\u4e0b\u624d\u80fd\u4f9b\u5f97\u8d77\uff0c\u90a3\u4e48\u8fd9\u5957\u623f\u5b50\u672c\u8eab\u53ef\u80fd\u5df2\u7ecf\u8d85\u51fa\u4e86\u4f60\u7684\u5b9e\u9645\u8d1f\u62c5\u80fd\u529b\u3002<\/p>\n<p>**\u51fa\u79df\u5730\u4e0b\u5ba4\u5e26\u6765\u7684\u4e0d\u53ea\u662f\u94b1<\/p>\n<p>Levenson\u4ece2023\u5e749\u6708\u5f00\u59cb\u51fa\u79df\u5730\u4e0b\u5ba4\u3002<\/p>\n<p>\u5979\u901a\u8fc7\u623f\u5730\u4ea7\u7ecf\u7eaa\u4eba\u5bfb\u627e\u79df\u5ba2\uff0c\u540c\u65f6\u81ea\u5df1\u4e5f\u8fdb\u884c\u4e86\u4fe1\u7528\u8c03\u67e5\u3001\u9762\u8bd5\u4ee5\u53ca\u793e\u4ea4\u5a92\u4f53\u80cc\u666f\u4e86\u89e3\u3002\u6700\u540e\uff0c\u5979\u627e\u5230\u4e86\u4e00\u5bf9\u5e0c\u671b\u957f\u671f\u79df\u4f4f\u7684\u5e74\u8f7b\u592b\u5987\u3002<\/p>\n<p>\u5979\u8868\u793a\uff0c\u81ea\u5df1\u4e0e\u79df\u5ba2\u4e4b\u95f4\u4e00\u76f4\u52aa\u529b\u4fdd\u6301\u4e92\u76f8\u5c0a\u91cd\u7684\u5173\u7cfb\u3002\u4f8b\u5982\uff0c\u5982\u679c\u5bb6\u91cc\u51c6\u5907\u4e3e\u529e\u805a\u4f1a\uff0c\u5979\u4f1a\u63d0\u524d\u901a\u77e5\u79df\u5ba2\uff1b\u800c\u5f53\u5979\u5916\u51fa\u65f6\uff0c\u79df\u5ba2\u4e5f\u4f1a\u5e2e\u5fd9\u5904\u7406\u4e00\u4e9b\u5783\u573e\u7b49\u65e5\u5e38\u4e8b\u52a1\u3002<\/p>\n<p>\u5bf9\u5979\u800c\u8a00\uff0c\u8fd9\u79cd\u5b89\u6392\u6700\u7ec8\u5e26\u6765\u7684\u610f\u4e49\u5df2\u7ecf\u4e0d\u4ec5\u4ec5\u662f\u201c\u6bcf\u4e2a\u6708\u591a\u4e00\u7b14\u79df\u91d1\u201d\u3002<\/p>\n<p>\u5979\u540e\u6765\u9009\u62e9\u6210\u4e3a\u4e00\u540d\u5355\u4eb2\u6bcd\u4eb2\uff0c\u5e76\u80b2\u6709\u4e00\u4e2a14\u4e2a\u6708\u5927\u7684\u5973\u513f\u3002<\/p>\n<p>\u5728\u957f\u8fbe\u4e00\u5e74\u7684\u4ea7\u5047\u671f\u95f4\uff0c\u5979\u77e5\u9053\u5730\u4e0b\u5ba4\u7684\u79df\u91d1\u80fd\u591f\u5e2e\u52a9\u81ea\u5df1\u627f\u62c5\u623f\u8d37\uff0c\u56e0\u6b64\u7ecf\u6d4e\u538b\u529b\u6ca1\u6709\u90a3\u4e48\u5927\u3002<\/p>\n<p>**\u52a0\u62ff\u5927\u4e70\u623f\u903b\u8f91\u6b63\u5728\u6539\u53d8<\/p>\n<p>\u4ece\u6295\u8d44\u89d2\u5ea6\u770b\uff0c\u51fa\u79df\u5730\u4e0b\u5ba4\u5e76\u4e0d\u662f\u4e00\u4e2a\u5168\u65b0\u7684\u6982\u5ff5\u3002<\/p>\n<p>\u4f46\u771f\u6b63\u503c\u5f97\u5173\u6ce8\u7684\u662f\uff0c\u5b83\u6b63\u5728\u4ece\u201c\u6295\u8d44\u5ba2\u7684\u73a9\u6cd5\u201d\uff0c\u9010\u6e10\u53d8\u6210\u666e\u901a\u52a0\u62ff\u5927\u8d2d\u623f\u8005\u7684\u751f\u5b58\u7b56\u7565\u3002<\/p>\n<p>\u8fc7\u53bb\uff0c\u4eba\u4eec\u4e70\u623f\u65f6\u9996\u5148\u8003\u8651\u7684\u662f\u5730\u6bb5\u3001\u9762\u79ef\u3001\u5b66\u533a\u548c\u623f\u4ef7\u3002<\/p>\n<p>\u73b0\u5728\uff0c\u8d8a\u6765\u8d8a\u591a\u4e70\u5bb6\u8fd8\u4f1a\u8003\u8651\uff0c\u8fd9\u5957\u623f\u5b50\u80fd\u4e0d\u80fd\u4ea7\u751f\u6536\u5165\uff1f\u5730\u4e0b\u5ba4\u80fd\u4e0d\u80fd\u5408\u6cd5\u51fa\u79df\uff1f\u6709\u6ca1\u6709\u72ec\u7acb\u5165\u53e3\uff1f\u80fd\u4e0d\u80fd\u6539\u9020\u6210\u4e8c\u7ea7\u5957\u623f\uff1f\u6bcf\u4e2a\u6708\u80fd\u6536\u5230\u591a\u5c11\u79df\u91d1\uff1f<\/p>\n<p>\u8fd9\u4e9b\u95ee\u9898\u6b63\u5728\u6210\u4e3a\u8d2d\u623f\u51b3\u7b56\u7684\u4e00\u90e8\u5206\u3002<\/p>\n<p>\u52a0\u62ff\u5927\u4f4f\u623f\u8d1f\u62c5\u80fd\u529b\u867d\u7136\u8f83\u75ab\u60c5\u9ad8\u5cf0\u65f6\u671f\u6709\u6240\u6539\u5584\uff0c\u4f46\u4f4f\u623f\u6210\u672c\u4f9d\u7136\u662f\u8bb8\u591a\u5bb6\u5ead\u9762\u4e34\u7684\u91cd\u8981\u538b\u529b\u3002\u8054\u90a6\u653f\u5e9c\u8d44\u6599\u663e\u793a\uff0c\u591a\u4f26\u591a\u7b49\u5927\u57ce\u5e02\u7684\u4f4f\u623f\u8d1f\u62c5\u4ecd\u660e\u663e\u9ad8\u4e8e\u5168\u56fd\u8bb8\u591a\u5730\u533a\u3002<\/p>\n<p>\u5bf9\u4e8e\u4e0d\u5c11\u52a0\u62ff\u5927\u4eba\u6765\u8bf4\uff0c\u672a\u6765\u7684\u201c\u4e70\u623f\u516c\u5f0f\u201d\u53ef\u80fd\u6b63\u5728\u53d8\u6210\uff1a\u6536\u5165\uff0b\u5de5\u8d44\uff0b\u79df\u91d1\u6536\u5165\uff1d\u623f\u8d37\u8d1f\u62c5\u80fd\u529b\u3002<\/p>\n<p>\u623f\u5b50\u4e0d\u518d\u53ea\u662f\u4e00\u4e2a\u5c45\u4f4f\u7a7a\u95f4\uff0c\u4e5f\u5f00\u59cb\u627f\u62c5\u4e00\u90e8\u5206\u201c\u8d5a\u94b1\u201d\u7684\u529f\u80fd\u3002<\/p>\n<p>\u800c\u5bf9\u4e8e\u90a3\u4e9b\u5df2\u7ecf\u4e70\u623f\u3001\u4f46\u4ecd\u5728\u52aa\u529b\u5e94\u4ed8\u9ad8\u989d\u623f\u8d37\u7684\u4eba\u6765\u8bf4\uff0c\u5730\u4e0b\u5ba4\u3001\u540e\u5df7\u5c4b\u3001\u82b1\u56ed\u5957\u623f\u7b49\u7a7a\u95f4\uff0c\u6216\u8bb8\u6b63\u5728\u6210\u4e3a\u8d8a\u6765\u8d8a\u91cd\u8981\u7684\u201c\u623f\u8d37\u6551\u547d\u7a3b\u8349\u201d\u3002<\/p>\n<p>\u4e0d\u8fc7\uff0c\u5728\u51b3\u5b9a\u51fa\u79df\u4e4b\u524d\uff0c\u4e5f\u4e00\u5b9a\u8981\u628a\u5408\u6cd5\u6027\u3001\u7a0e\u52a1\u3001\u4fdd\u9669\u3001\u7ef4\u4fee\u3001\u79df\u5ba2\u98ce\u9669\u4ee5\u53ca\u7a7a\u7f6e\u671f\u5168\u90e8\u7b97\u6e05\u695a\u3002<\/p>\n<p>\u6bd5\u7adf\uff0c\u79df\u91d1\u53ef\u4ee5\u5e2e\u4f60\u8fd8\u623f\u8d37\uff0c\u4f46\u5b83\u4e0d\u5e94\u8be5\u6210\u4e3a\u8ba9\u81ea\u5df1\u80cc\u4e0a\u8d85\u51fa\u80fd\u529b\u8303\u56f4\u623f\u8d37\u7684\u501f\u53e3\u3002<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u52a0\u62ff\u5927\u661f\u661f\u751f\u6d3b\u6377\u514b\u4f73\/\u5bf9\u4e8e\u5f88\u591a\u52a0\u62ff\u5927\u4eba\u6765\u8bf4\uff0c\u4e70\u623f\u66fe\u7ecf\u610f\u5473\u7740\u62e5\u6709\u4e00\u4e2a\u5c5e\u4e8e\u81ea\u5df1\u7684\u5bb6\u3002 \u4f46\u5982\u4eca\uff0c\u968f\u7740\u623f\u4ef7\u548c\u751f\u6d3b\u6210\u672c\u957f\u671f\u5904\u4e8e\u9ad8\u4f4d\uff0c\u8d8a\u6765\u8d8a\u591a\u8d2d\u623f\u8005\u53d1\u73b0\uff1a\u4e70\u5f97\u8d77\u623f\uff0c\u5e76\u4e0d\u4ee3\u8868\u4f9b\u5f97\u8d77\u623f\u3002 \u4e8e\u662f\uff0c\u4e00\u4e2a\u8fc7\u53bb\u6bd4\u8f83\u5e38\u89c1\u4e8e\u6295\u8d44\u623f\u5e02\u573a\u7684\u505a\u6cd5\uff0c\u5982\u4eca\u6b63\u5728\u8fdb\u5165\u666e\u901a\u5bb6\u5ead\u2014\u2014\u4e70\u623f\u4e4b\u540e\uff0c\u628a\u5730\u4e0b\u5ba4\u3001\u540e\u5df7\u4f4f\u5b85\u3001\u82b1\u56ed\u5957\u623f\u6216\u5176\u4ed6\u72ec\u7acb\u7a7a\u95f4\u51fa\u79df\uff0c\u7528\u79df&#8230;<br \/><a class=\"read-more-button\" href=\"https:\/\/blog.jackjia.com\/?p=94445\">Read more<\/a><\/p>\n","protected":false},"author":1,"featured_media":94449,"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\/94445"}],"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=94445"}],"version-history":[{"count":1,"href":"https:\/\/blog.jackjia.com\/index.php?rest_route=\/wp\/v2\/posts\/94445\/revisions"}],"predecessor-version":[{"id":94450,"href":"https:\/\/blog.jackjia.com\/index.php?rest_route=\/wp\/v2\/posts\/94445\/revisions\/94450"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/blog.jackjia.com\/index.php?rest_route=\/wp\/v2\/media\/94449"}],"wp:attachment":[{"href":"https:\/\/blog.jackjia.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=94445"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/blog.jackjia.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=94445"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/blog.jackjia.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=94445"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}