{"id":23677,"date":"2022-10-10T09:08:57","date_gmt":"2022-10-10T09:08:57","guid":{"rendered":"https:\/\/mundialinvest.com\/?p=23677"},"modified":"2022-10-11T12:43:34","modified_gmt":"2022-10-11T12:43:34","slug":"do-you-have-enough-money-to-ask-for-a-mortgage-discover-it-here","status":"publish","type":"post","link":"https:\/\/mundialinvest.com\/zh\/do-you-have-enough-money-to-ask-for-a-mortgage-discover-it-here\/","title":{"rendered":"\u6211\u9700\u8981\u62b5\u62bc\u591a\u5c11\u8d44\u91d1\uff1f"},"content":{"rendered":"<div class=\"headline-article\">\n<h3 class=\"article-subtitle headline-article__subtitle\">\u4e70\u623f\u65f6\uff0c\u6700\u597d\u542c\u53d6\u4e13\u5bb6\u7684\u5efa\u8bae\uff0c\u8be6\u7ec6\u4e86\u89e3\u5fc5\u987b\u8003\u8651\u7684\u6240\u6709\u56e0\u7d20\u3002<picture class=\"image\"><img fetchpriority=\"high\" decoding=\"async\" title=\"\u4e70\u623f\u662f\u4e00\u4e2a\u4eba\u4e00\u751f\u4e2d\u7684\u91cd\u8981\u51b3\u5b9a\u3002\" src=\"https:\/\/estaticos-cdn.prensaiberica.es\/clip\/bf8e1db0-4751-4b74-9401-28e253e3e1c5_16-9-discover-aspect-ratio_default_0.jpg\" alt=\"Buying a home is an important decision in a person's life.\" width=\"1200\" height=\"675\" \/><\/picture><\/h3>\n<p class=\"article-photo__footer\"><em>\u4e70\u623f\u662f\u4e00\u4e2a\u4eba\u4e00\u751f\u4e2d\u7684\u91cd\u8981\u51b3\u5b9a\u3002<\/em><\/p>\n<\/div>\n<div>\n<p class=\"article-body__text article-body__text--entry article-body__text-middle\">\u8fd9\u00a0<strong>\u7f8e\u56fd\u56fd\u5bb6\u7edf\u8ba1\u5c40 (INE) \u7684\u8fde\u7eed\u4f4f\u6237\u8c03\u67e5 (ECH)<\/strong>\u00a0\u8868\u793a\u00a0<strong>76.8% \u7684\u897f\u73ed\u7259\u5bb6\u5ead\u62e5\u6709<\/strong>\u00a0.\u5728\u8fd9\u4e2a\u56fd\u5bb6\uff0c\u6211\u4eec\u66f4\u559c\u6b22\u4e70\u800c\u4e0d\u662f\u79df\uff0c\u6839\u636e INE \u53bb\u5e74 6 \u6708\u7684\u6570\u636e\uff0c\u6709\u8d85\u8fc7\u00a0<strong>56,000 \u5957\u62b5\u62bc\u623f\u5c4b<\/strong>\u00a0.<\/p>\n<div class=\"article-body--seo-closed\">\n<p class=\"article-body__text\"><strong>\u7533\u8bf7\u6309\u63ed<\/strong>\u00a0\u662f\u6700\u5e38\u89c1\u7684\u878d\u8d44\u65b9\u5f0f\u00a0<strong>\u8d2d\u4e70\u623f\u5c4b<\/strong>\u00a0.\u800c\u4e14\uff0c\u867d\u7136\u8fd9\u770b\u8d77\u6765\u662f\u4e00\u4e2a\u7b80\u5355\u7684\u7a0b\u5e8f\uff0c\u4f46\u5728\u8fdb\u884c\u64cd\u4f5c\u4e4b\u524d\u5fc5\u987b\u8003\u8651\u4e00\u7cfb\u5217\u56e0\u7d20\uff0c\u4f8b\u5982\u00a0<strong>\u4f5c\u4e3a\u4e70\u65b9\u7684\u8d22\u52a1\u507f\u4ed8\u80fd\u529b\uff0c\u50a8\u84c4\u6c34\u5e73\u548c\u62b5\u62bc\u8d37\u6b3e\u7c7b\u578b\u662f\u5173\u952e\u3002\u00a0<\/strong>\u00a0\u5728\u8fd9\u4e2a\u8fc7\u7a0b\u4e2d\uff0c\u4f7f\u7528\u00a0<a class=\"link copy\" title=\"\u62b5\u62bc\u8d37\u6b3e\u6a21\u62df\u5668\" href=\"https:\/\/ad.doubleclick.net\/ddm\/clk\/538685584;347124856;b\" target=\"_blank\" rel=\"noopener sponsored\"><strong>\u62b5\u62bc\u8d37\u6b3e\u6a21\u62df\u5668<\/strong><\/a>\u00a0\u00a0\u5bf9\u672a\u6765\u7684\u4e3b\u4eba\u6709\u5f88\u5927\u7684\u5e2e\u52a9\u3002<\/p>\n<h2 class=\"article-body__ladillo\"><strong>\u8fd9\u662f\u4f60\u5e94\u8be5\u5b58\u4e0b\u6765\u4e70\u623f\u7684\u94b1<\/strong><\/h2>\n<p class=\"article-body__text\">\u60a8\u6709\u8db3\u591f\u7684\u8d44\u91d1\u8fdb\u884c\u521d\u59cb\u6295\u8d44\u5417\uff1f\u7533\u8bf7\u6309\u63ed\u65f6\uff0c\u00a0<strong>\u94f6\u884c\u4f1a\u8003\u8651\u4e70\u65b9\u7684\u8d22\u52a1\u507f\u4ed8\u80fd\u529b\u548c\u50a8\u84c4\u6c34\u5e73<\/strong>\u00a0.<\/p>\n<p class=\"article-body__text\">\u4e00\u822c\u6765\u8bf4\uff0c\u94f6\u884c\u878d\u8d44\u00a0<strong>\u623f\u5c4b\u8bc4\u4f30\u6216\u8d2d\u4e70\u4ef7\u503c\u7684\u6700\u5927\u503c 80%\uff0c\u5982\u679c\u5b83\u662f\u4e3b\u8981\u4f4f\u6240<\/strong>\u00a0.\u56e0\u6b64\uff0c\u672a\u6765\u00a0<strong>\u4e1a\u4e3b\u5fc5\u987b\u5b58\u4e0b\u5269\u4f59\u7684 20%\uff0c\u6b64\u5916\uff0c\u8fd8\u6709\u5927\u7ea6 10% \u81f3 15% \u7684\u623f\u4ea7\u603b\u4ef7\uff0c\u4ee5\u652f\u4ed8\u8fd0\u8425\u4ea7\u751f\u7684\u8d39\u7528<\/strong>\u00a0\u4f8b\u5982\u516c\u8bc1\u4eba\u3001\u7a0e\u52a1\u6216\u571f\u5730\u767b\u8bb0\u5904\u7684\u767b\u8bb0\u3002<\/p>\n<div class=\"multimedia-block__element\" data-lozad-loaded=\"true\"><picture class=\"lozad image picture-inbody\" data-iesrc=\"https:\/\/estaticos-cdn.prensaiberica.es\/clip\/c4535d84-be37-4ab1-ad5f-458c33159e67_source-aspect-ratio_75p_0.jpg\" data-alt=\"Es conveniente tener ahorrado el 35% del coste total de una vivienda.\" data-loaded=\"true\"><img decoding=\"async\" src=\"https:\/\/estaticos-cdn.prensaiberica.es\/clip\/c4535d84-be37-4ab1-ad5f-458c33159e67_source-aspect-ratio_default_0.jpg\" alt=\"Es conveniente tener ahorrado el 35% del coste total de una vivienda.\" \/><\/picture><\/div>\n<p class=\"article-photo__footer\"><em>\u7701\u4e86\u4e00\u4e2a\u5bb6\u603b\u6210\u672c\u768435%\u65b9\u4fbf\u3002<\/em><\/p>\n<p class=\"article-body__text\">\u4f8b\u5982\uff0c\u9a6c\u8482\u548c\u52b3\u62c9\u662f\u4e24\u4e2a\u60f3\u8981\u8d2d\u4e70\u7b2c\u4e00\u5957\u623f\u5b50\u7684\u5e74\u8f7b\u4eba\u3002\u4e24\u4eba\u7b97\u4e0b\u6765\uff0c\u6bcf\u4e2a\u6708\u67092600\u6b27\u5143\u7684\u6536\u5165\uff0c\u60f3\u5728\u4f0a\u7ef4\u8428\u5c9b\u4e70\u4e00\u595720\u4e07\u6b27\u5143\u7684\u516c\u5bd3\u3002\u603b\u7684\u6765\u8bf4\uff0c\u6839\u636e\u00a0<a class=\"link copy\" title=\"Banco Sabadell \u7684\u62b5\u62bc\u8d37\u6b3e\u6a21\u62df\u5668\" href=\"https:\/\/ad.doubleclick.net\/ddm\/clk\/538685584;347124856;b\" target=\"_blank\" rel=\"noopener sponsored\"><strong>Banco Sabadell \u7684\u62b5\u62bc\u8d37\u6b3e\u6a21\u62df\u5668<\/strong><\/a><strong>\u00a0,<\/strong>\u00a0\u4e3a\u4e86\u4e70\u4e0b\u90a3\u6240\u623f\u5b50\uff0c\u4ed6\u4eec\u672c\u5e94\u8282\u7701\u5927\u7ea6 70,000 \u6b27\u5143\u6765\u652f\u4ed8\u623f\u5c4b\u7684\u9996\u4ed8\u6b3e\uff0840,000 \u6b27\u5143\uff09\u548c\u4e0e\u9500\u552e\u76f8\u5173\u7684\u8d39\u7528\uff0830,000 \u6b27\u5143\uff09\u3002<\/p>\n<h2 class=\"article-body__ladillo\"><strong>\u56fa\u5b9a\u5229\u7387\u6216\u6d6e\u52a8\u5229\u7387\u62b5\u62bc\u8d37\u6b3e\uff1f\u00a0<\/strong><\/h2>\n<p class=\"article-body__text\">\u51b3\u5b9a\u00a0<a class=\"link copy\" title=\"\u4ec0\u4e48\u6837\u7684\u62b5\u62bc\u8d37\u6b3e\" href=\"https:\/\/www.diariodeibiza.es\/economia\/2022\/09\/28\/firma-hipotecas-viviendas-marca-record-75984853.html\" target=\"_blank\" rel=\"noopener sponsored\">\u54ea\u79cd\u7c7b\u578b\u7684\u62b5\u62bc\u8d37\u6b3e<\/a>\u00a0\u5bf9\u6211\u6765\u8bf4\u662f\u6700\u597d\u7684\uff0c\u7b2c\u4e00\u4ef6\u4e8b\u662f\u4e86\u89e3\u4e24\u8005\u4e4b\u95f4\u5b58\u5728\u7684\u5dee\u5f02\uff1a<\/p>\n<ul class=\"article-body__text article-list article-list--unordered\">\n<li><strong>\u56fa\u5b9a\u62b5\u62bc\u8d37\u6b3e\u3002\u00a0<\/strong>\u5728\u8fd9\u79cd\u60c5\u51b5\u4e0b\uff0c\u5206\u671f\u4ed8\u6b3e\u548c\u5229\u7387\u5728\u6574\u4e2a\u62b5\u62bc\u8d37\u6b3e\u671f\u9650\u5185\u4fdd\u6301\u4e0d\u53d8\u3002\u4e00\u822c\u6765\u8bf4\uff0c\u8fd8\u6b3e\u671f\u901a\u5e38\u6bd4\u53ef\u53d8\u5229\u7387\u62b5\u62bc\u8d37\u6b3e\u66f4\u77ed\uff0c\u5229\u7387\u66f4\u9ad8\u3002<\/li>\n<li><strong>\u53ef\u53d8\u62b5\u62bc\u8d37\u6b3e\u3002\u00a0<\/strong>\u5b83\u7684\u7279\u70b9\u662f\u5229\u7387\u7531\u56fa\u5b9a\u767e\u5206\u6bd4\uff08\u5dee\u5f02\uff09\u548c\u53e6\u4e00\u4e2a\u53d8\u91cf\uff08\u53c2\u8003\u6307\u6570\uff09\u7ec4\u6210\uff0c\u5728\u897f\u73ed\u7259\u901a\u5e38\u662f Euribor\u3002\u6bcf 6 \u5230 12 \u4e2a\u6708\u5ba1\u67e5\u4e00\u6b21\u3002\u8fd9\u79cd\u62b5\u62bc\u8d37\u6b3e\u7684\u4f18\u70b9\u662f\u8fd8\u6b3e\u671f\u901a\u5e38\u8f83\u957f\uff0c\u800c\u4e14\u5229\u7387\u901a\u5e38\u4f4e\u4e8e\u56fa\u5b9a\u5229\u7387\u62b5\u62bc\u8d37\u6b3e\u3002\u5c3d\u7ba1\u5fc5\u987b\u8003\u8651\u5230\u5b83\u4f1a\u53d7\u5230\u5e02\u573a\u53d8\u5316\u7684\u5f71\u54cd\u3002<\/li>\n<\/ul>\n<p class=\"article-body__text\"><strong>TIN \u548c APR \u662f\u4ec0\u4e48\uff1f\u00a0<\/strong><\/p>\n<p class=\"article-body__text\">\u9664\u4e86\u56fa\u5b9a\u5229\u7387\u6216\u6d6e\u52a8\u5229\u7387\u4e4b\u5916\uff0c\u8fd8\u5fc5\u987b\u8003\u8651\u62b5\u62bc\u8d37\u6b3e\u7684\u6700\u7ec8\u4ef7\u683c\u548c\u6bcf\u6708\u5206\u671f\u4ed8\u6b3e\u7684\u4e24\u4e2a\u975e\u5e38\u91cd\u8981\u7684\u91cf\u7ea7\uff1a\u00a0<strong>\u540d\u4e49\u5229\u7387<\/strong>\u00a0\uff08\u9521\uff09\u548c\u00a0<strong>\u5e74\u7b49\u503c\u7387<\/strong>\u00a0\uff08\u56db\u6708\uff09\u3002<\/p>\n<div class=\"article-text-highlight\">\n<ul>\n<li><strong>\u9521\u3002\u00a0<\/strong>\u5b83\u662f\u94f6\u884c\u5bf9\u501f\u5165\u7684\u8d44\u91d1\u9002\u7528\u7684\u56fa\u5b9a\u5229\u7387\u3002\u5b83\u53ea\u8003\u8651\u94f6\u884c\u63d0\u4f9b\u7684\u5229\u7387\uff0c\u4e0d\u5305\u62ec\u56e0\u64cd\u4f5c\u800c\u4ea7\u751f\u7684\u8d39\u7528\u3002<\/li>\n<li><strong>\u5e74\u5229\u7387\u3002\u00a0<\/strong>\u5b83\u7684\u8ba1\u7b97\u8003\u8651\u4e86\u4f63\u91d1\u3001TIN \u548c\u5176\u4ed6\u4e0e\u8fd0\u8425\u76f8\u5173\u7684\u8d39\u7528\u7b49\u56e0\u7d20\u3002\u8be5\u503c\u7528\u4e8e\u4e86\u89e3\u62b5\u62bc\u8d37\u6b3e\u7684\u5b9e\u9645\u6210\u672c\uff0c\u5e76\u7528\u4e8e\u5efa\u7acb\u62b5\u62bc\u8d37\u6b3e\u4e4b\u95f4\u7684\u6bd4\u8f83\u3002<\/li>\n<\/ul>\n<article class=\"article-photo article-photo--\">\n<div class=\"multimedia-block__element\" data-lozad-loaded=\"true\"><picture class=\"lozad image picture-inbody\" data-iesrc=\"https:\/\/estaticos-cdn.prensaiberica.es\/clip\/ce545b55-6224-4bc5-afae-6cc76cc01b64_16-9-discover-aspect-ratio_75p_0.jpg\" data-alt=\"Tipo fijo o variable, hay que saber qu\u00e9 tipo de hipoteca te conviene m\u00e1s.\" data-loaded=\"true\"><img decoding=\"async\" src=\"https:\/\/estaticos-cdn.prensaiberica.es\/clip\/ce545b55-6224-4bc5-afae-6cc76cc01b64_16-9-discover-aspect-ratio_default_0.jpg\" alt=\"Tipo fijo o variable, hay que saber qu\u00e9 tipo de hipoteca te conviene m\u00e1s.\" \/><\/picture><\/div>\n<p class=\"article-photo__footer\"><em>\u56fa\u5b9a\u5229\u7387\u6216\u53ef\u53d8\u5229\u7387\uff0c\u60a8\u5fc5\u987b\u77e5\u9053\u54ea\u79cd\u7c7b\u578b\u7684\u62b5\u62bc\u8d37\u6b3e\u6700\u9002\u5408\u60a8\u3002<\/em><\/p>\n<\/article>\n<h2 class=\"article-body__ladillo\"><strong>\u4e0e\u4e70\u623f\u76f8\u5173\u7684\u8d39\u7528\u6709\u54ea\u4e9b\uff1f\u00a0<\/strong><\/h2>\n<p class=\"article-body__text\">\u4e70\u623f\u4f60\u5fc5\u987b\u8003\u8651\u00a0<strong>\u76f8\u5173\u8d39\u7528<\/strong>\u00a0\u8fd9\u5927\u7ea6\u4ee3\u8868\u623f\u4ea7\u603b\u4ef7\u7684 10% \u548c 15% \u4e4b\u95f4\u3002<\/p>\n<ol class=\"article-body__text article-list article-list--ordered\">\n<li><strong>\u7a0e\u6536\u3002\u00a0<\/strong>\u5982\u679c\u662f\u65b0\u5efa\u623f\u5c4b\uff0c\u5219\u5fc5\u987b\u7f34\u7eb3\u589e\u503c\u7a0e (VAT)\uff0c\u5728\u6574\u4e2a\u897f\u73ed\u7259\u4e3a 10%\uff0c\u800c\u6839\u636e\u81ea\u6cbb\u533a\u7684\u4e0d\u540c\uff0c\u6cd5\u5f8b\u884c\u4e3a\u7a0e (AJD) \u7684\u8303\u56f4\u4e3a 0.5% \u548c1.5%\u3002\u5982\u679c\u623f\u5c4b\u662f\u4e8c\u624b\u623f\uff0c\u4e70\u5bb6\u5fc5\u987b\u652f\u4ed8\u8d22\u4ea7\u8f6c\u8ba9\u7a0e (ITP)\uff0c\u6839\u636e\u8d22\u4ea7\u6240\u5728\u7684\u5730\u533a\uff0c\u7a0e\u989d\u5728 6% \u548c 10% \u4e4b\u95f4\u53d8\u5316\u3002<\/li>\n<li><strong>\u5728\u571f\u5730\u6ce8\u518c\u5904\u6ce8\u518c\u3002\u00a0<\/strong>\u8fd9\u53d6\u51b3\u4e8e\u8d22\u4ea7\u7684\u5730\u7c4d\u4ef7\u503c\u3002\u5b83\u53ef\u4ee5\u5728 600 \u5230 1,000 \u6b27\u5143\u4e4b\u95f4\u3002<\/li>\n<li><strong>\u516c\u8bc1\u4eba\u3002\u00a0<\/strong>\u8fd9\u7b14\u8d39\u7528\u7531\u56fd\u5bb6\u89c4\u5b9a\uff0c\u5e76\u6839\u636e\u8d22\u4ea7\u4ef7\u683c\u548c\u5951\u7ea6\u9875\u6570\u800c\u6709\u6240\u4e0d\u540c\u3002\u4ef7\u683c\u5728 600 \u5230 1,000 \u6b27\u5143\u4e4b\u95f4\u3002<\/li>\n<li><strong>\u673a\u6784\u3002\u00a0<\/strong>\u8fd9\u662f\u4e00\u9879\u53ef\u9009\u8d39\u7528\uff0c\u4f46\u5982\u679c\u8058\u8bf7\u7ecf\u7406\u6765\u52a0\u5feb\u5904\u7406\u4e00\u4e9b\u6b63\u5f0f\u4e8b\u52a1\uff0c\u8d39\u7528\u53ef\u80fd\u5728 300 \u5230 500 \u6b27\u5143\u4e4b\u95f4\u3002<\/li>\n<\/ol>\n<p class=\"article-body__text\">\u9664\u4e86\u9500\u552e\u4e1a\u52a1\u4ea7\u751f\u7684\u8d39\u7528\u5916\uff0c\u8fd8\u6709\u5176\u4ed6\u6784\u6210\u62b5\u62bc\u7684\u8d39\u7528\u3002<\/p>\n<ul class=\"article-body__text article-list article-list--unordered\">\n<li><strong>\u4e0a\u95e8\u8bc4\u4f30\u3002\u00a0<\/strong>\u5b83\u901a\u5e38\u82b1\u8d39 200 \u5230 600 \u6b27\u5143\u3002<\/li>\n<li><strong>\u4f63\u91d1\u3002\u00a0<\/strong>\u5bf9\u4e8e\u627f\u5305\u6309\u63ed\u8d37\u6b3e\uff0c\u94f6\u884c\u53ef\u4ee5\u6536\u53d6\u5f00\u6237\u4f63\u91d1\u3002\u4f46\u662f\uff0cBanco Sabadell \u7b49\u5b9e\u4f53\u76ee\u524d\u4e0d\u9002\u7528\u6b64\u4f63\u91d1\u3002<\/li>\n<\/ul>\n<div class=\"video-container\"><iframe title=\"#SabadellLoFirmo - BANCO SABADELL\" width=\"1200\" height=\"675\" src=\"https:\/\/www.youtube.com\/embed\/Hm3lrl770Qk?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture\" 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The\u00a0Continuous Household Survey (ECH) of the National Institute of Statistics (INE)\u00a0indicates that\u00a076.8% of Spanish households are owned\u00a0.\u00a0In this country, we prefer to buy to rent and &#8230;<\/p>","protected":false},"author":4,"featured_media":23679,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-23677","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-investing"],"aioseo_notices":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How Much Capital Do I Need to Put Down on a Mortgage? - mundialinvest.com<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/mundialinvest.com\/zh\/do-you-have-enough-money-to-ask-for-a-mortgage-discover-it-here\/\" \/>\n<meta property=\"og:locale\" content=\"zh_CN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How Much Capital Do I Need to Put Down on a Mortgage? - mundialinvest.com\" \/>\n<meta property=\"og:description\" content=\"When buying a home, it is advisable to have the advice of an expert to know in detail all the factors that must be taken into account. 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