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买入价）× 20%",[180,260,261],{"icon":182},[122,262,263,265],{},[186,264,188],{},"：如果卖家持有满5年且这是他在该城市的唯一住房，个税全免。这是最常见的免征条件。",[118,267,268],{"id":268},"中介费",[122,270,271],{},"通过中介买房要付的服务费，通常为总价的1%-3%。",[126,273,274,287],{},[129,275,276],{},[132,277,278,281,284],{},[135,279,280],{},"承担方式",[135,282,283],{},"买家付",[135,285,286],{},"卖家付",[145,288,289,300,309,319],{},[132,290,291,294,297],{},[150,292,293],{},"买家全出",[150,295,296],{},"全额",[150,298,299],{},"0",[132,301,302,305,307],{},[150,303,304],{},"卖家全出",[150,306,299],{},[150,308,296],{},[132,310,311,314,317],{},[150,312,313],{},"各一半",[150,315,316],{},"一半",[150,318,316],{},[132,320,321,324,326],{},[150,322,323],{},"无",[150,325,299],{},[150,327,299],{},[118,329,330],{"id":330},"印花税",[122,332,333],{},"金额很小的税，按总价的0.025%征收。一套200万的房子只需交500元。",[118,335,336],{"id":336},"产权登记费",[122,338,339],{},"办理房产证时的固定费用，80元。",[114,341,342],{"id":342},"首付与贷款相关",[118,344,346],{"id":345},"名义首付-vs-实际首付","名义首付 vs 实际首付",[126,348,349,362],{},[129,350,351],{},[132,352,353,356,359],{},[135,354,355],{},"类型",[135,357,358],{},"计算方式",[135,360,361],{},"举例",[145,363,364,375,386],{},[132,365,366,369,372],{},[150,367,368],{},"名义首付",[150,370,371],{},"交易价 × 首付比例",[150,373,374],{},"200万 × 30% = 60万",[132,376,377,380,383],{},[150,378,379],{},"实际首付",[150,381,382],{},"名义首付 + 税费 + 额外费用",[150,384,385],{},"60 + 10 + 5 = 75万",[132,387,388,391,394],{},[150,389,390],{},"首付差额",[150,392,393],{},"实际首付 - 名义首付",[150,395,396],{},"75 - 60 = 15万",[180,398,401],{"icon":399,"type":400},"i-lucide-alert-octagon","danger",[122,402,403,406],{},[186,404,405],{},"首付差额是很多人忽略的\"隐藏成本\"！"," 准备了60万以为够首付了，结果要掏75万——差额15万可能让你措手不及。",[118,408,409],{"id":409},"银行评估价",[122,411,412,413,199],{},"银行对房屋的估价。银行按评估价来决定能贷多少钱，",[186,414,415],{},"不一定是你的交易价",[417,418,419,423],"ul",{},[420,421,422],"li",{},"如果评估价 = 交易价 → 贷款额度按预期",[420,424,425],{},"如果评估价 \u003C 交易价 → 贷款额度变少，首付变多",[180,427,428],{"icon":182},[122,429,430,432],{},[186,431,361],{},"：房价200万，你首付30%（60万），贷款70%（140万）。但银行只评估了180万，最多贷180 × 70% = 126万，你实际要首付200 - 126 = 74万，多了14万！",[118,434,435],{"id":435},"等额本息",[122,437,438],{},"每月还款金额固定的还款方式。前期大部分还的是利息，后期大部分还的是本金。",[122,440,441,444],{},[186,442,443],{},"适合","：收入稳定，希望每月还款压力一致的人。",[118,446,447],{"id":447},"等额本金",[122,449,450],{},"每月还的本金固定，利息逐月递减，所以月供逐月减少。",[122,452,453,455],{},[186,454,443],{},"：前期还款能力强，想省总利息的人。",[118,457,459],{"id":458},"lpr贷款市场报价利率","LPR（贷款市场报价利率）",[122,461,462],{},"商业银行贷款的基准利率。5年期以上LPR目前约3.6%，你的实际利率 = LPR + 加点。",[118,464,465],{"id":465},"公积金贷款利率",[122,467,468],{},"住房公积金贷款的利率，比商业贷款低很多：",[417,470,471,474],{},[420,472,473],{},"5年以下：2.35%",[420,475,476],{},"5年以上：2.85%",[118,478,479],{"id":479},"组合贷款",[122,481,482],{},"公积金贷款额度不够时，差额部分用商业贷款补。两部分利率不同，分开计算。",[114,484,485],{"id":485},"房屋相关",[118,487,488],{"id":488},"满五唯一",[417,490,491,497],{},[420,492,493,496],{},[186,494,495],{},"满五","：房产证满5年",[420,498,499,502],{},[186,500,501],{},"唯一","：卖家在该城市的唯一住房",[122,504,505],{},"满足这两个条件，增值税和个人所得税都免征。",[118,507,508],{"id":508},"满两年",[122,510,511],{},"房产证满2年，增值税免征。这是最常见的免税条件。",[180,513,514],{"icon":182},[122,515,516],{},"满五唯一 → 一定满两年 → 增值税免 + 个税免\n满两年但非唯一 → 增值税免 + 个税不免\n不满两年 → 都要交",[118,518,519],{"id":519},"容积率",[122,521,522],{},"总建筑面积 ÷ 用地面积。越低越舒适：",[126,524,525,533],{},[129,526,527],{},[132,528,529,531],{},[135,530,519],{},[135,532,355],{},[145,534,535,543,551,559],{},[132,536,537,540],{},[150,538,539],{},"\u003C 1.0",[150,541,542],{},"别墅",[132,544,545,548],{},[150,546,547],{},"1.0-2.0",[150,549,550],{},"洋房\u002F低密社区",[132,552,553,556],{},[150,554,555],{},"2.0-3.5",[150,557,558],{},"小高层\u002F高层",[132,560,561,564],{},[150,562,563],{},"3.5-6.0",[150,565,566],{},"超高层\u002F密集社区",[118,568,569],{"id":569},"得房率",[122,571,572],{},"套内实际可用面积 ÷ 建筑面积。越高说明公摊越少：",[126,574,575,584],{},[129,576,577],{},[132,578,579,581],{},[135,580,569],{},[135,582,583],{},"评价",[145,585,586,594,602,610],{},[132,587,588,591],{},[150,589,590],{},"\u003C 75%",[150,592,593],{},"公摊大，不太划算",[132,595,596,599],{},[150,597,598],{},"75%-85%",[150,600,601],{},"正常范围",[132,603,604,607],{},[150,605,606],{},"85%-95%",[150,608,609],{},"优秀",[132,611,612,615],{},[150,613,614],{},"> 100%",[150,616,617],{},"新规赠送面积，性价比极高",[118,619,620],{"id":620},"租售比",[122,622,623],{},"总购房金额 ÷ 年租金收入。越低说明通过租金回本越快：",[126,625,626,635],{},[129,627,628],{},[132,629,630,632],{},[135,631,620],{},[135,633,634],{},"含义",[145,636,637,645,652],{},[132,638,639,642],{},[150,640,641],{},"\u003C 200",[150,643,644],{},"租金回报好，投资价值高",[132,646,647,650],{},[150,648,649],{},"200-400",[150,651,601],{},[132,653,654,657],{},[150,655,656],{},"> 400",[150,658,659],{},"租金回报低，主要靠升值",[118,661,662],{"id":662},"年租金回报率",[122,664,665],{},"年租金收入 ÷ 总购房金额 × 100%。越高越好：",[126,667,668,677],{},[129,669,670],{},[132,671,672,675],{},[135,673,674],{},"回报率",[135,676,583],{},[145,678,679,687,695],{},[132,680,681,684],{},[150,682,683],{},"> 5%",[150,685,686],{},"很好的投资回报",[132,688,689,692],{},[150,690,691],{},"3%-5%",[150,693,694],{},"尚可",[132,696,697,700],{},[150,698,699],{},"\u003C 3%",[150,701,702],{},"主要靠房产升值",{"title":704,"searchDepth":705,"depth":705,"links":706},"",2,[707,716,725],{"id":116,"depth":705,"text":116,"children":708},[709,711,712,713,714,715],{"id":120,"depth":710,"text":120},3,{"id":192,"depth":710,"text":192},{"id":213,"depth":710,"text":214},{"id":268,"depth":710,"text":268},{"id":330,"depth":710,"text":330},{"id":336,"depth":710,"text":336},{"id":342,"depth":705,"text":342,"children":717},[718,719,720,721,722,723,724],{"id":345,"depth":710,"text":346},{"id":409,"depth":710,"text":409},{"id":435,"depth":710,"text":435},{"id":447,"depth":710,"text":447},{"id":458,"depth":710,"text":459},{"id":465,"depth":710,"text":465},{"id":479,"depth":710,"text":479},{"id":485,"depth":705,"text":485,"children":726},[727,728,729,730,731,732],{"id":488,"depth":710,"text":488},{"id":508,"depth":710,"text":508},{"id":519,"depth":710,"text":519},{"id":569,"depth":710,"text":569},{"id":620,"depth":710,"text":620},{"id":662,"depth":710,"text":662},"购房过程中常见术语的通俗解释","md",null,{},{"icon":72},{"title":69,"description":733},"e7TwhIMMd09HP3JNYJ76djxMAp_MjMEwhAaj2Tw0Wz8",[741,743],{"title":59,"path":60,"stem":61,"description":742,"icon":62,"children":-1},"算清楚提前还款能省多少钱、缩短多少年",{"title":74,"path":75,"stem":76,"description":744,"icon":77,"children":-1},"使用房本过程中的常见问题解答",1781081755520]