A. 璐鋒句拱杞﹀埄鎮鏄鎬庝箞璁＄畻鐨勶紵
涓銆佽捶嬈句拱杞﹀埄鎮鏄鎬庝箞璁＄畻鐨勶紵
1銆18涓囩殑杞︿環棣栦粯20%灝辨槸3.6涓囧厓錛岃捶嬈懼氨鏄14.4涓囧厓錛
2銆佺涓騫村勾鍒╂伅灝辨槸14.4涓囧厓0.0269騫村埄鐜=3873.6鍏冿紱
3銆佺涓涓鏈堣繕嬈懼氨鏄3873.6鍏/12涓鏈=322.8鍏冿紱6銆佺涓涓鏈堣捶嬈炬湰閲14.4涓囧厓/36涓鏈=4000鍏冦7銆佺涓涓鏈堣捶嬈炬湰閲戝埄鎮灝辨槸4000鍏322.8鍏=4322.8鍏冦傛敞鎰4322.8鍏冨簲璇ユ槸絎涓涓鏈堢殑鏈閲戝埄鎮錛岀敱浜庤捶嬈炬湰閲戦愭湀鍑忓皯錛岃捶嬈劇殑鍒╂伅涔熷搷搴斾細鍑忓皯錛岃蜂笌奼借濺閿鍞鍟嗘矡閫氾紒
浜屻佷拱杞﹁捶嬈懼備綍璁＄畻鍒╂伅
涔拌濺璐鋒懼彲浠ョ敤鍏寮忊滃埄鎮=璐鋒炬湰閲戣捶嬈懼埄鐜囪捶嬈炬湡闄愨濓紝鏉ヨ＄畻鍑哄埄鎮銆備竴鑸鏉ヨ達紝璐鋒炬満鏋勪細鏍規嵁鍊熸句漢鐨勪釜浜鴻祫璐錛屾潵鍐沖畾鍊熸句漢鐨勮捶嬈懼埄鐜囥佽捶嬈鵑噾棰濄佽捶嬈炬湡闄愩
鍋囪懼熸句漢璐鋒劇殑閲戦濅負50000鍏冿紝璐鋒炬湡闄愪負3騫達紝璐鋒懼埄鐜囦互鍩哄噯鍒╃巼4.75%璁＄畻錛岄偅涔堝熸句漢搴旀敮浠樼殑鎬誨埄鎮涓5000034.75%=7125鍏冦
涓夈佽喘杞﹁捶嬈懼埄鎮鎬庝箞綆,鎬庢牱璁＄畻璐鋒懼埄鎮
鐢叉柟璇佹嵁:鍊熸嵁(鍊熸句漢澶勬湁縐佷漢絳懼悕-鍏鍙稿壇緇忕悊鍜屼細璁＄殑,娌″叕絝)錛屽熸嵁鍐呭癸細鍏瑰焁XX(鐢叉柟)浜烘皯甯乆XX鍏冿紝鍊熸句漢XXXXXX(鍓緇忕悊鍜屼細璁＄懼悕)錛庝箼鏂硅瘉鎹:1)鍑哄熶漢鍦ㄥ叕鍙哥鵑嗚〃涓婄懼悕棰嗗埄鎮,2)鍑虹撼浼氳″笎閮藉弽鏄犵敳鏂瑰熸劇粰鍏鍙,3)鐢叉柟鐩存帴灝嗘句氦鍑虹撼(鍑虹撼,閾惰岀殑璇佹槑),4)鍏鍙告硶浜虹粡鐞嗗嚭鍏風殑濮旀墭璇佹槑(浜嬪墠鐢佃瘽涓婂拰鐢叉柟璋堝ソ浜,鐢佃瘽濮旀墭浜屼漢鍔炵悊,浜嬪悗娉曚漢榪借ょ殑),5)鐢叉柟鏄鍏鍙歌偂涓(宸ュ晢灞娉ㄥ唽),娌℃湁鍑鴻祫錛屽嚑騫存潵鍊熸劇粰鍏鍙稿氭★紝閮芥槸瑕佸叕鍙鎬漢鍛樺嚭鍏風佷漢鍊熸嵁褰㈠紡,鏄鑲′笢鍜屽叕鍙哥殑綰﹀畾,宸叉垚鎯渚(璐浼氬笎涓婃湁鍙嶆槧鍑烘潵,榪樻湁淇濈暀鐨勪互鍓嶇殑鍚屾牱鎴栧悓綾葷佷漢鍊熸嵁,鍏朵腑鏈夌涓嬈℃硶浜哄拰浼氳′釜浜虹懼悕涓哄叕鍙稿熸劇殑縐佷漢鍊熸嵁,鍏ㄩ儴閮芥槸鐢叉柟鍦ㄥ叕鍙哥懼悕棰嗗洖鏈鎮)錛岃繕鏈変袱絎旀病榪橈紝璇ュ熸嵁鏄鍏朵腑涔嬩竴錛屽湪鍏鍙告嬁浜嗛珮鎮,鐜板湪鍏鍙鎬笉琛屼簡灝辮搗浜忓績.鐢叉柟璁や負錛氬叕鍙告槸絀哄３鍏鍙革紝鎴戜笉鍚屾剰鍊熼挶鍏鍙革紝鍙鍊熼挶緇欑佷漢,鎵浠ヨ佷綘浠鍐欑佷漢鍊熸嵁錛屼竴鐩撮兘鏄鍊熺粰縐佷漢錛屼簩浜虹懼悕錛屾槸縐佷漢鍊熸嵁錛屾垜灝嗛挶鍊熺粰浠栦滑浜屼漢錛屽備綍榪樻懼拰鍒╂伅涓嶅獎鍝嶅烘潈鍊哄姟鍏崇郴,鏄涓や漢鐨勭佷漢鍊熸撅紟涔欐柟璁や負錛氫袱浜哄彈娉曚漢濮旀墭鑰岀懼啓鍊熸嵁鏄鑱屽姟琛屼負錛岀敳鏂瑰皢閽辯洿鎺ヤ氦鍏鍙/鍑虹撼鑰屾病鏈変氦緇欎簩浜(鑷鐒朵漢闂村熻捶涓嶇敓鏁,)錛屽叕鍙稿悜鐢叉柟鍊熸懼啓縐佷漢鍊熸嵁鏄鎯渚,鍏鍙歌儲浼氬笎鏈夋竻鏅拌板綍,鍙堝湪鍏鍙哥鵑嗗埄鎮(鍏鍙稿拰鐢叉柟鍐嶆＄浉浜掓壙璁)錛屼負鍏鍙稿熸,鎵懼叕鍙歌!闂棰樻槸:1)鏄鍏鍙稿熸捐繕鏄縐佷漢鍊熸?2)娉曞緥浜嬪疄鍝鏂硅瘉鎹寮?鍏鍙哥幇鍦ㄤ笉琛屼簡,鐢叉柟鍙鑳芥兂瑕佷簩浜鴻繕嬈句簡,鍊熸嵁鏄鐩存帴璇佹嵁錛佷箼鏂圭殑鐤戞儜:浜屼漢鏄絳懼啓浜嗗熸嵁,浣嗘槸鏄鍙楁硶浜哄旀墭浠ｈ〃鍏鍙哥懼啓鐨,鍙楁墭浜哄氨涓嶈兘浠ヨ嚜宸辯殑鍚嶄箟絳懼悎鍚?鍦ㄧ懼啓鍚堝悓(鍊熸嵁)鏃,鐢叉柟鏄鐭ラ亾鍏朵唬琛ㄥ叕鍙稿熸劇殑(鐢辮瘉鎹璇佹槑:1鐢叉柟鐩存帴灝嗛挶浜ゅ叕鍙,2鍓嶅悗鍑犲勾鍦ㄥ叕鍙擱嗗埄鎮鐣欎笅鐨勪功璇,3鍑犲勾鏉ュ悓鏍風殑鍊熸劇敳鏂瑰湪鍏鍙哥懼崟/鍚嶉嗕細鏈閲戠暀涓嬬殑涔﹁瘉4鐢叉柟鑷宸辨槸鑲′笢,浜屼漢韜浠,娉曚漢鐨勫旀墭璇佹槑鏉愭枡),鍐嶈寸敳鏂瑰瑰叕鍙稿飽琛屼簡浠樻句箟鍔,騫跺悜鍏鍙鎬富寮犱簡鏉冨埄(瑕佸埄鎮),鎸夋皯娉曠殑鍏騫沖師鍒欏拰鍚堝悓鐨勭浉瀵規,涔熶笉璇ュ悜浜屼漢涓誨紶鏉冨埄鐨.濡傛灉鏄縐佷漢鍊熸(鑷鐒朵漢涔嬮棿鐨勫熸),鎸夊悎鍚屾硶210鏉,鍚堝悓涔熸病鐢熸晥
鍥涖佽濺璐峰埄鎮璁＄畻鍏寮
杞﹁捶璁＄畻鍏寮忥細1銆侀濇湰鎮榪樻炬硶錛屽嵆璐鋒炬湡姣忔湀浠ョ浉絳夌殑棰濆害騫沖潎鍋胯繕璐鋒炬湰鎮錛屾瘡鏈堣繕嬈捐＄畻鍏寮忎負錛氭瘡鏈堣繕嬈鵑=璐鋒炬湰閲懨楁湀鍒╃巼脳錛1鏈堝埄鐜囷級榪樻炬湀鏁/[錛1鏈堝埄鐜囷級榪樻炬湀鏁-1];鎷撳睍璧勬枡錛氳濺璐鳳紙CarLoan錛夋寚璐鋒句漢鍚戠敵璇瘋喘涔版苯杞︾殑鍊熸句漢鍙戞斁鐨勮捶嬈俱傝濺璐風殑瀹為檯鍒╃巼鐢卞姙鐞嗛摱琛屾牴鎹瀹㈡埛鐨勫疄闄呮儏鍐碉紝鍙傜収澶琛岃勫畾鐨勮捶嬈懼熀鍑嗗埄鐜囨潵鍒跺畾銆傝濺璐風被鍨嬩富瑕佹湁鐩村㈠紡銆侀棿瀹㈠紡銆佷俊鐢ㄥ崱杞﹁捶涓夌嶃傝濺璐鋒湡闄愪竴鑸涓1-3騫達紝鏈闀誇笉瓚呰繃5騫淬傝濺璐風被鍨嬭濺璐蜂釜浜鴻捶嬈捐喘杞︿笟鍔″垎涓虹洿瀹㈠紡銆侀棿瀹㈠紡銆佷俊鐢ㄥ崱杞﹁捶涓夌嶃傜洿瀹㈠紡涓鑸涓哄㈡埛鐩存帴瑙侀潰榪涜岃捶嬈劇殑閾惰岃濺璐鳳紝闂村㈠紡涓鑸涓烘苯杞﹂噾鋙嶅叕鍙歌漿鎺ュ㈡埛鐨勬苯杞﹂噾鋙嶅叕鍙歌濺璐楓傜洿瀹㈠紡閾惰岃濺璐鳳紝鎵鏀剁殑璐圭敤欏圭洰涓烘娂閲戙佹湰鎮銆3%鎷呬繚璐圭瓑錛岄摱琛屼紭璐ㄥ㈡埛璐圭敤榪樹細鏈夋墍浼樻儬錛屼笉榪囨瘡瀹墮摱琛岀殑浼樻儬鏀跨瓥鍚勬湁涓嶅悓銆傞棿瀹㈠紡奼借濺閲戣瀺鍏鍙歌濺璐烽櫎浜嗙即綰充互涓婅垂鐢ㄥ栵紝榪橀渶璐熸媴鐩戠¤垂銆佽濺闃熺＄悊璐廣佽川淇濈畫淇濇娂閲戣繕鏈変竴縐嶅氨鏄淇＄敤鍗¤濺璐鳳紝淇＄敤鍗″垎鏈熻喘杞﹁捶嬈懼彧瀵歸摱琛屼俊鐢ㄥ崱鐢ㄦ埛鎻愪緵鍒嗘湡浠樻撅紝涓嶆槸浠諱綍鏉′歡閮藉彲浠ュ姙鐞嗭紝榪樿佹湁涓涓瀹℃牳紼嬪簭錛屾湁涓嶈壇淇＄敤璁板綍鐨勪俊鐢ㄥ崱鐢ㄦ埛灝卞緢闅懼姙鐞嗐備俊鐢ㄥ崱鍒嗘湡璐杞︾殑鍏蜂綋姝ラゅぇ鑷村備笅錛1.鎸佸崱浜(鎴栫敵璇蜂漢)鐢佃瘽璧勮㈤摱琛屼俊鐢ㄥ崱涓蹇冩垨鍘誨綋鍦伴摱琛岋紝浜嗚В鏄鍚﹁兘澶熷姙鐞嗕俊鐢ㄥ崱杞﹁捶銆2.鎸佸崱浜烘寔鏈浜鴻韓浠借瘉浠訛紝鑷崇粡閿鍟嗗勭幇鍦哄～鍐欒濺璐鏄撳垎鏈熻㈠崟錛屼氦鐢遍摱琛屽悗鍙板疄鏂藉℃牳銆3.褰撹㈠崟瀹℃牳閫氳繃鍚庯紝鎸佸崱浜轟粯棣栦粯嬈撅紝騫跺姙鐞嗘ｅ父璐杞︽墜緇銆4.褰撹濺杈嗕笂瀹岀墝鐓т互鍚庯紝鎸佸崱浜洪渶瑕佸悜閾惰屽姙鐞嗘姷鎶兼墜緇鍚屾椂璐涔版墍闇瑙勫畾杞﹂櫓闄╃嶃5.鏈鍚庢垜浠灝卞彲浠ラ『鍒╁湴灝嗙埍杞﹀紑璧般傝捶嬈炬潯浠1.鍏鋒湁鏈夋晥韜浠借瘉鏄庝笖鍏鋒湁瀹屽叏姘戜簨琛屼負鑳藉姏錛2.鑳芥彁渚涘滻瀹氬拰璇︾粏浣忓潃璇佹槑錛3.鍏鋒湁紼沖畾鐨勮亴涓氬拰鎸夋湡鍋胯繕璐鋒炬湰鎮鐨勮兘鍔涳紱4.涓浜虹ぞ浼氫俊鐢ㄨ壇濂斤紱5.鎸佹湁璐鋒句漢璁ゅ彲鐨勮喘杞﹀悎鍚屾垨鍗忚錛6.鍚堜綔鏈烘瀯瑙勫畾鐨勫叾浠栨潯浠躲
B. 涔拌濺鏃惰捶嬈懼埄鐜囨庝箞綆楋紵
涓銆佷拱杞︽椂璐鋒懼埄鐜囨庝箞綆楋紵
杞﹁捶鍒╃巼涓嶆槸鍥哄畾鐨勶紝鎸夊ぎ琛岃勫畾錛屾苯杞﹁捶嬈炬墽琛岃捶嬈懼熀鍑嗗埄鐜囷紝浣嗗悇閲戣瀺鏈烘瀯鍙鍦ㄦ収鎮変紡鍩哄噯鍒╃巼涓婁笅涓瀹氳寖鍥村唴榪涜屾誕鍔ㄣ
澶ч儴鍒嗙殑杞﹁捶榪樻炬湡闄愰兘涓嶄細瓚呰繃5騫達紝鑰岃濺璐風殑騫村埄鐜囦笉浼氫綆浜庡浗瀹跺熀鍑嗗埄鐜囥傚浗瀹剁殑璐鋒懼熀鍑嗗埄鐜囧湪1-5騫翠箣闂翠負4.75%錛屼竴騫村唴鍒╃巼涓4.35%錛屽洜姝や竴鑸杞﹁捶鐨勬渶浣庡勾鍒╃巼鏈浣庝負4.35%銆
鍚勮岃濺璐峰埄鐜囦竴鑸濡備笅錛
1錛氫腑鍥介摱琛岋細璐鋒懼勾闄1騫達紝璐鋒懼埄鐜4%錛2騫達紝8%錛3騫達紝12%銆
2錛氫腑鍥藉緩璁鵑摱琛岋細1-3騫達紙鍚3騫達級錛5.31%騫存暟錛3-5騫達紙鍚5騫達級錛5.4%騫存暟銆
3錛氫腑鍥藉伐鍟嗛摱琛岋細6涓鏈堜互鍐咃紙鍚6涓鏈堬級錛岃濺璐峰埄鐜5.60%錛6涓鏈堣嚦1騫達紙鍚1騫達級錛岃濺璐峰埄鐜6.00%錛1-3騫達紙鍚3騫達級錛6.15%騫存暟錛3-5騫達紙鍚5騫達級錛6.40%騫存暟錛5騫翠互涓婏紝6.55%騫存暟銆
璐鋒劇殑鏈閲戣秺楂樺墠鎼鴻繕嬈炬椂闂磋秺闀匡紝鍒╂伅灝變細瓚婇珮錛岃濺璐峰埄鐜囦篃涓嶆槸闄嗙畝涓鎴愪笉鍙樼殑錛屽獎鍝嶈濺璐峰埄鐜囩殑鍥犵礌鏄鏈夊緢澶氱殑銆傝濺璐峰埄鐜囨槸鍚勮捶嬈炬満鏋勬牴鎹澶琛岀殑鍩哄噯鍒╃巼榪涜岃皟鏁達紝鍑嗙『鐨勮捶嬈懼埄鐜囪繕浼氬彈鍒頒釜浜哄緛淇★紝璐鋒炬満鏋勮嚜韜鐘跺喌錛屽熸句漢鐨勮嚜韜鍥犵礌絳夋柟闈㈢殑褰卞搷銆
浜屻佹棩浜ф苯杞﹂噾鋙嶈捶嬈懼埄鎮鎬庝箞綆
鐜板湪寰堝氳濺璐蜂負浜嗕績閿鍩烘湰涓婇兘鏄娌″埄鎮銆傚叧閿鏄鐪嬪綋鍦版斂絳栨庝箞鏍
涓夈佷拱杞﹂噾鋙嶈捶嬈懼埄鎮鎬庝箞綆楃殑
璐杞︽椂鎴戜滑闇瑕佹敮浠樼殑璐圭敤澶х暐濡備笅錛
1.閾惰岃捶嬈懼熀鍑嗗埄鐜囷細1騫存湡6.666%;2騫存湡-3騫存湡6.71%;
2.棣栨湡浠樻炬婚=棣栦粯嬈懼繀瑕佽姳璐瑰晢涓氫繚闄
3.璐緗紼=璐杞︽/(117%)脳璐緗紼庣巼(10%)
4.涓婄墝璐圭敤錛氶氬父鍟嗗舵彁渚涚殑涓鏉￠緳鏈嶅姟鏀惰垂綰500鍏冿紝涓浜哄姙鐞嗙害373鍏冿紝鍏朵腑宸ュ晢楠岃瘉銆佸嚭搴150鍏冦佺Щ鍔ㄨ瘉30鍏冦佺幆淇濆崱3鍏冦佹嫇鍙瘋垂40鍏冦佽岄┒璇佺浉鐗20鍏冦佹墭鐩樿垂130鍏冦
5.杞﹁埞浣跨敤紼庯細鍚勭渷涓嶇粺涓錛屼互鍖椾含涓轟緥錛屽寳浜9搴у強浠ヤ笅瀹㈣濺480鍏/騫達紝9搴т互涓婂㈣濺540鍏/騫淬
6.浜ゅ己闄╋細瀹剁敤6搴у強浠ヤ笅950鍏/騫達紝瀹剁敤6搴т互涓1100鍏/騫
7.甯歌勪繚闄╁悎璁★細鐩鍓嶄繚闄╁叕鍙稿鉤鍧囨姌鎵ｄ負77%銆
8.杞﹁締鎹熷け闄╋細鐜版捐喘杞︿環鏍濟1.2%銆
9.鍏ㄨ濺鐩楁姠闄╋細鏂拌濺璐緗浠訪1.0%銆
10.鐜葷拑鍗曠嫭鐮寸庨櫓錛氳繘鍙ｆ柊杞﹁喘緗浠訪0.25%錛屽浗浜ф柊杞﹁喘緗浠訪0.15%銆
11.鑷鐕冩崯澶遍櫓錛氭柊杞﹁喘緗浠訪0.15%銆
12.涓嶈″厤璧旂壒綰﹂櫓錛(杞﹁締鎹熷け闄╃涓夎呰矗浠婚櫓)脳20%銆
13.鏃犺繃璐ｄ換闄╋細絎涓夎呰矗浠婚櫓淇濋櫓璐姑20%銆
14.杞︿笂浜哄憳璐ｄ換闄╋細姣忎漢淇濊垂50鍏冿紝鍙鏍規嵁杞﹁締鐨勫疄闄呭駭浣嶆暟濉鍐欍
奼借濺鎬諱環90000鍏冿紝棣栦粯27000鍏冿紝涓夊勾鏈
閾惰屾湀鍒╂伅鏄0.5025%錛岃捶嬈炬婚69027.48鍏冿紝鏈堜緵1917.43鍏
閲戣瀺鍏鍙稿埄鎮0.615%錛岃捶嬈炬婚70423.92鍏冿紝鏈堜緵1956.22鍏
楂橀濆埄鎮0.9%錛岃捶嬈炬婚74036.52鍏冿紝鏈堜緵2056.57鍏
鍥涖佷笂奼介氱敤閲戣瀺錛岃捶嬈懼埄鎮鎬庝箞綆楃殑?涔拌濺璐鋒68000錛屼笁騫村埄鎮涓鍏卞氬皯錛
絳夐濇湰鎮娉曪細 璐鋒炬湰閲戱細50000鍋囧畾騫村埄鐜囷細4.750%璐鋒懼勾闄愶細3騫達細姣忔湀鏈堜緵榪樻炬湰鎮棰濇槸錛 1492.94鍏冦佹昏繕嬈鵑噾棰濇槸錛53745.84鍏冦佸叡搴旇繕鍒╂伅錛3745.84鍏冦傜1涓鏈堣繕鍒╂伅涓猴細197.92 錛涚1涓鏈堣繕鏈閲戜負錛1295.02錛涙ゅ悗姣忔湀榪樺埄鎮閲戦濋掑噺銆佽繕鏈閲戦掑炪傦紙鏈鑰冭檻涓閫斿埄鐜囪皟鏁達級