❶ 4s搴楁柊杞﹁捶嬈懼埄鎮鍜屾棫杞﹁捶嬈懼埄鎮澶氬氬皯4s搴楁柊杞﹁捶嬈懼埄鎮
璐鋒句拱杞﹀埄鎮鏈夊氬皯錛
鏈夊埄鎮鐨勩
璐鋒句拱杞︿竴鑸閮芥槸鏈夊埄鎮鐨勩備笉榪囦篃鏈夌殑4s搴椾細鎺ㄥ嚭0鍒╂伅璐鋒句拱杞︾殑媧誨姩錛岃櫧鐒朵笉鏀跺彇鍒╂伅浜嗭紝浣嗘槸浼氭敹鍙栬緝楂樼殑鏈嶅姟璐癸紝璐圭敤鍜岃捶嬈懼埄鎮鏄宸涓嶅氱殑錛屽叾瀹炲氨鏄鍙樼浉鐨勫埄鎮銆
濡傛灉鏄閾惰岀殑杞﹁捶錛岃捶嬈劇殑鍒╃巼涓鑸鍦ㄥぎ琛岃捶嬈懼熀鍑嗗埄鐜囦笂嫻鍔ㄦ墽琛岋紝濡傛灉鏄鍏朵粬閲戣瀺鍏鍙哥殑杞﹁捶錛岃捶嬈懼埄鐜囦竴鑸鏄鏍規嵁甯傚満鎯呭喌鑷宸卞埗瀹氱殑錛屾病鏈夋爣鍑嗐
澶琛岃捶嬈懼熀鍑嗗埄鐜囨槸:
1銆佷竴騫翠互鍐呰捶嬈劇殑鍒╃巼鏄4.35%:
2銆佷竴鍒頒簲騫村唴璐鋒劇殑鍒╃巼鏄4.75%;
3銆佷簲騫翠互涓婅捶嬈劇殑鍒╃巼鏄4.90%銆
鎷撳睍璧勬枡錛
1銆佽捶嬈句拱杞︾幇鍦ㄤ竴鑸閮芥帹鍑哄厤鎮鎴栬呴浂棣栦粯鐨勬椿鍔錛岀幇鍦ㄥ憡璇夊ぇ瀹朵竴浜涢槻姝㈣鍧戠殑娉ㄦ剰浜嬮」錛岀幇鍦ㄦ墍璋撶殑浣庨栦粯鎴栬呮槸闆墮栦粯錛屽ぇ澶氶兘鏄鍧戱紝鍙鑳藉綋浣犱拱浜嗕箣鍚庡氨浼氬彂鐜拌繖鍙拌濺瀛愶紝钀芥埛鍗存槸钀芥埛鍒版煇鍏鍙稿悕涓嬶紝杞﹀瓙鍗磋窡鑷宸辨槸縐熻祦鍏崇郴錛岃繕瑕佸湪瑙勫畾鐨勬椂闂村唴榪樻竻錛屽傛灉榪濊勮濺瀛愬氨浼氳鍥炴敹錛岃屼笖鍦ㄤ箣鍓嶈姳鐨勯挶錛岄兘鎷誇笉鍥炴潵錛岃繖縐嶄簨涓嶆槸娌℃湁榪囷紝閬囧埌榪欑嶇湅浼艱兘鍗犲ぇ渚垮疁鐨勬椂鍊欏氨涓瀹氳佽嚜宸辨彁楂樿︽儠浜嗐
2銆佽繕鏈夊緢澶氬晢瀹墮氳繃闆墮栦粯鏉ュ惛寮曟兂瑕佷拱杞︾殑鏈嬪弸錛屾姷涓嶄綇榪欑嶈辨儜錛岃屼拱浜嗕箣鍚庢墠鐭ラ亾錛屽晢瀹朵細鎼鍞楂橀濈殑淇濋櫓錛屼互闆墮栦粯涔拌濺鐨勫熷彛鏉ュ己鍒朵綘涓婂叏闄╋紝鎴栬呮槸璁╀綘涔頒竴浜涗繚闄╁叕鍙哥殑鐗瑰畾鐨勪駭鍝侊紝榪欎釜鏃跺欎綘涔頒繚闄╃殑灝變細姣斿叾浠栦漢鐨勪繚闄╄吹錛岃屼笖榪樿╀綘涔頒竴浜涗竴鐐歸兘涓嶅疄鐢ㄧ殑淇濋櫓銆
3銆佽繕闇瑕佹敞鎰忕殑涓瀹氳佺『璁や綘鐨勮繕嬈劇殑鏃墮棿榪樻湁閲戦濓紝鍦ㄨ捶嬈句拱杞︾殑闇瑕佺殑鎵嬬畫錛岄渶瑕佺殑璐圭敤閮借佸垪娓呮氥傚氭瘮杈冿紝閫夋嫨鑷宸遍傚悎鐨勬笭閬撳姙鐞嗭紝涓嶈佸彧鐪嬫墍璋撶殑0棣栦粯錛屼綆鍒╂伅錛屾垨鑰0棣栦粯錛0鍒╂伅鐨勮繖浜涢兘鏄濂楄礬錛屽ぇ瀹朵竴瀹氳佺湅娓呮氬悎鍚屻
4s搴楀垎鏈熷埄鎮涓鑸鍑犲帢錛
4s搴楀垎鏈熷埄鎮涓鑸鍦ㄦ瘡鏈0.5%-0.9%涔嬮棿錛屾湀鍒╃巼鍦5%-9%涔嬮棿銆備竴鑸鎸夌収鍒嗘湡鏈堟暟璁＄畻鍒╂伅錛岃＄畻榪欎竴鏈熺殑鎬誨埄鎮銆傝濺璐峰垎鏈熷埄鎮鍙浠ョ敤榪欎釜鍏寮忚＄畻:鍒嗘湡鍒╂伅=杞﹁捶鏈閲懨楀埄鐜嚸楄捶嬈炬湡闄愩傛苯杞﹁捶嬈劇殑鐢寵鋒潯浠跺備笅:1銆傝喘杞︿漢蹇呴』騫存弧鍗佸叓鍛ㄥ瞾錛屾寔鏈夋湁鏁堣韓浠借瘉鏄庯紝鍏鋒湁瀹屽叏姘戜簨琛屼負鑳藉姏銆2.涓浜虹ぞ浼氫俊鐢ㄨ壇濂姐3銆佽兘鎻愪緵鍥哄畾璇︾粏鐨勪綇鍧璇佹槑銆4.鎸佹湁璐鋒炬満鏋勬壒鍑嗙殑璐杞﹀悎鍚屻5.鏈夌ǔ瀹氱殑宸ヤ綔鍜屾寜鏈熻繕鏈浠樻伅鐨勮兘鍔涖6.鍚堜綔緇勭粐瑙勫畾鐨勫叾浠栨潯浠躲
4s搴楃殑璐鋒懼埄鎮涓鑸鏄澶氬皯錛熷ぇ姒傚湪榪欎釜鍖洪棿鍐
寰堝氭湅鍙嬭捶嬈句拱杞﹀彲鑳藉枩嬈㈤伩寮4s搴楋紝涓鏄鏈変竴縐4s搴楁敹璐硅緝楂樼殑瀹氭ф濈淮錛屼簩鏄鎰熻4s搴楀楄礬澶澶氾紝鎬曞悆浜忓彈楠楋紝鍏跺疄涓嶇劧錛4s搴楁棦鐒朵負娑堣垂鑰呮彁渚涗簡鍚勭嶄拱杞︽柟渚匡紝鍙瑕佹湇鍔″唴瀹瑰拰鏀惰垂浠風洰娓呮氭槑紜錛屾壘4s搴楄捶嬈句拱杞︿篃鏄涓嶉敊鐨勯夋嫨銆傞偅涔堬紝4s搴楃殑璐鋒懼埄鎮涓鑸鏄澶氬皯鍛錛
涓銆4s搴楃殑璐鋒懼埄鎮瑕佺湅鍚堜綔鐨勮捶嬈炬柟
4s搴楃殑璐鋒炬柟涓鑸鏈夎繖涓夌嶏紝鍒嗗埆鏄錛
1銆佹ｈ勯摱琛
璐鋒懼埄鎮灝辨槸鎸夐摱琛岀粰鍑虹殑璐鋒懼埄鐜囨潵璁＄畻錛屼竴鑸浼氭寜璐鋒懼競鍦烘姤浠峰埄鐜囧嵆lpr鍒╃巼閫傚綋涓婃誕錛1騫存湡鐨刲pr鍒╃巼涓3.7%騫存湡鐨刲pr鍒╃巼涓4.6%銆
2銆佽濺璐峰鉤鍙
涓4s搴楀悎浣滐紝鏄鎻愬崌涓氱嘩鐨勪富瑕佹笭閬擄紝鍒╃巼涓鑸浼氫互澶琛岀殑璐鋒懼埄鐜囦笂嫻2鍊嶅乏鍙籌紝騫村埄鐜囧氫負10%璧楓
3銆佽嚜瀹剁殑奼借濺閲戣瀺鍏鍙
鐩告瘮浜庡悎浣滅殑奼借濺閲戣瀺鍏鍙革紝璐鋒懼埄鐜囦細浣庝竴浜涳紝姣曠珶灝戜簡鍚堜綔鐨勪腑闂寸幆鑺傚強璐圭敤錛屽埄鐜囪佷互瀹為檯鎯呭喌涓哄噯銆
浜屻佷互濂ヨ開4s搴楄捶嬈24涓囦負渚嬶紝鐪嬬湅璐鋒懼埄鎮鏄澶氬皯錛
濂ヨ開鍦1988騫翠笌涓奼藉ぇ浼楀悎浣滐紝鎴愪負浜嗕竴奼藉ぇ浼楀ゥ榪錛岃嚜瀹剁殑奼借濺閲戣瀺鍏鍙告湁涓奼芥苯杞﹂噾鋙嶅叕鍙稿拰澶т紬奼借濺閲戣瀺鍏鍙革紝鍚堜綔鐨勮捶嬈炬柟姣斿傚鉤瀹夐摱琛岋紝璐鋒懼埄鎮鍒嗗埆鏄錛
1銆佷竴奼芥垨鑰呭ぇ浼楁苯杞﹂噾鋙嶅叕鍙
鑻ヨ捶12涓鏈堬紝
鏈浣庡勾鍒╃巼姣忔湀鏀浠20095鍏冿紝鍚堣℃誨埄鎮1145鍏冿紱
鏈楂樺勾鍒╃巼姣忔湀鏀浠20863鍏冿紝鍚堣℃誨埄鎮10366鍏冦
2銆佸鉤瀹夐摱琛
杞︿富璐鋒渶澶氳捶12涓鏈堬紝騫村埄鐜10%璧鳳紝姣忔湀鏀浠21099鍏冿紝鎬誨埄鎮涓13188鍏冦
鍙浠ョ湅鍑猴紝鑷瀹舵苯杞﹂噾鋙嶅叕鍙哥殑涓騫磋捶嬈懼埄鎮鏄1145-10366鍏冿紝鑰屽鉤瀹夐摱琛屼竴騫寸殑璐鋒懼埄鎮鏄13188鍏冭搗銆
浠ヤ笂灝辨槸鍏充簬鈥4s搴楃殑璐鋒懼埄鎮涓鑸鏄澶氬皯鈥濈殑鐩稿叧鍐呭癸紝甯屾湜鑳藉逛綘鏈夋墍甯鍔┿
4s搴楄濺璐峰埄鐜囨槸澶氬皯錛2019騫4s搴楄濺璐峰埄鐜囨庝箞綆
奼借濺璐鋒劇殑騫沖潎騫村埄鐜囨槸澶氬皯錛
鐩鍓3.5%鐨勪竴騫存湡鎬誨埄鐜囧瑰簲鐨勫勾鍖栬捶嬈懼埄鐜囧垎鍒綰︿負6.5%銆3.8%綰︿負7%錛4%銆4.5%鍜5%鍒嗗埆涓7.4%銆8.3%鍜9.3%銆傜洰鍓嶄富嫻佺殑涓騫存湡杞﹁捶鍒╃巼鍦3.5%-5%涔嬮棿錛屽瑰簲鐨勫勾鍖栬捶嬈懼埄鐜囧湪6.5%-9%涔嬮棿銆
姣斿備竴騫存湡杞﹁捶12涓囷紝姣忔湀闇瑕佽繕1涓囷紝姣忓勾鎬誨埄鐜4800鍏冪殑4%涓庨栦粯嬈句竴璧瘋繕銆傚叾瀹炶濺璐風殑12鏈熷垎鍒鏄1涓鏈堝拰2涓鏈堝埌12涓鏈堬紝騫沖潎璐鋒炬湡闄愭槸6.5涓鏈堬紝鎵浠ュ勾鍖栬捶嬈懼埄鐜囦及璁″湪7.4%宸﹀彸銆
奼借濺璐鋒劇殑涓ゅ勾鏈熸誨埄鐜囩洰鍓嶆槸7%鍜9.5%銆傚叾涓錛7%鍒╃巼瀵瑰簲騫村寲璐鋒懼埄鐜囩害6.7%錛8%瀵瑰簲騫村寲璐鋒懼埄鐜囩害7.7%錛9.5%瀵瑰簲騫村寲璐鋒懼埄鐜9.1%銆傜洰鍓嶄笁騫存湡杞﹁捶鐨勪富嫻佸湪9.5%鍒12.5%涔嬮棿錛屽叾涓杈冧綆鐨9.5%瀵瑰簲騫村寲璐鋒懼埄鐜囩害6.2%錛10.5%瀵瑰簲騫村寲璐鋒懼埄鐜囩害6.8%錛12%瀵瑰簲騫村寲璐鋒懼埄鐜囩害7.7%錛12.5%瀵瑰簲騫村寲璐鋒懼埄鐜囩害8.1%銆
鐩鍓嶉摱琛岃捶嬈懼熀鍑嗗埄鐜囦竴騫存湡涓6%錛屼簩騫存湡鍜屼笁騫存湡涓6.15%銆傜洰鍓嶄富嫻佽濺璐峰埄鐜囬珮浜庡悓鏈熼摱琛岃捶嬈懼熀鍑嗗埄鐜囥傚規わ紝涓浣嶉摱琛屽㈡埛緇忕悊琛ㄧず錛岀洰鍓嶉摱琛岀殑璐鋒捐祫婧愯秺鏉ヨ秺緔у紶銆備笌鐩鍓嶄腑灝忎紒涓8%浠ヤ笂鐨勮捶嬈懼埄鐜囩浉姣旓紝奼借濺璐鋒劇殑鍒╃巼浠嶇劧鐩稿硅緝浣庯紝奼借濺璐鋒劇殑鍗曠瑪璐鋒鵑噾棰濊緝灝忥紝榪欏艱嚧奼借濺璐鋒劇殑鍒╃巼閫氬父鏄鍩哄噯鍒╃巼銆
榪樻湁涓鐐歸渶瑕佹厧閲嶈＄畻鐨勬槸錛岃濺璐風殑璐鋒炬湡闄愶紝鏃犺烘槸鍦4S鍟嗛摵榪樻槸閾惰岋紝涓繪祦鐨勮濺璐峰緩璁鏄2騫存垨鑰3騫達紝榪欐牱姣忔湀鐨勮捶嬈鵑濆害閫備腑錛屾湁鍒╀簬涓鏈熺殑鐞嗚儲瑙勫垝銆傛瘮濡備綘涔頒竴杈18涓囧乏鍙崇殑瀹剁敤杞︼紝浣犱細寰楀埌12涓囩殑璐鋒俱傚傛灉涓騫村唴榪樻竻錛屾瘡涓鏈堥渶瑕佽繕1涓囧厓銆傚傛灉鏄2騫達紝姣忔湀闇瑕佽繕5000鍏冿紝濡傛灉鏄3騫達紝姣忔湀闇瑕佽繕3333鍏冦備袱涓夊勾鐨勮濺璐峰垎鏈熼濆害錛屾槸澶у煄甯傚眳姘戣礋鎷呭緱璧風殑鏈堜緵銆
杞﹁捶騫村埄鐜囨庝箞綆楋紵
鎹浜嗚В錛岃佺煡閬撴苯杞﹁捶嬈劇殑鍒╃巼錛屼笉浠呰佺煡閬撴苯杞﹁捶嬈劇殑騫撮檺錛岃繕瑕佺煡閬撴苯杞﹁捶嬈劇殑閲戦濄佸埄鐜囧拰榪樻炬柟寮忋傚洜涓哄彧瑕佸叾涓涓涓鍙戠敓鍙樺寲錛屾苯杞﹁捶嬈劇殑鍒╂伅灝變細涓嶄竴鏍楓
姣斿傝濺璐蜂笁騫村勾鍒╃巼涓5.25%錛屽垎鏈熷埄鎮涓庤捶嬈鵑噾棰濈浉鍏:鍒╂伅=璐鋒鵑噾棰澝楀勾鍒╃巼x3=璐鋒鵑噾棰漻5.25%x3=璐鋒鵑噾棰漻6.75%銆
鏂拌濺璐鋒懼埄鎮鏄澶氬皯
涓銆侀摱琛岃濺璐鳳細閾惰屾苯杞﹁捶嬈懼埄鐜囬氬父鏄鍦5%-12%涔嬮棿錛岃捶嬈句竴騫寸殑鍒╃巼鍦3%-6%涔嬮棿錛屼篃灝辨槸璇磋捶嬈5涓囧厓錛屼竴騫寸殑鍒╂伅澶х害涓1500-3000鍏冦
浜屻佹苯杞﹂噾鋙嶅叕鍙歌捶嬈撅細鍦ㄩ噾鋙嶅叕鍙歌捶嬈鵑氬父浼氭湁涓浜涘畾鏈熷厤鎮媧誨姩錛屼絾鍦ㄦ苯杞4s搴椾腑浼氭敹鍙栦竴瀹氭暟棰濈殑鎵嬬畫璐廣傚湪鏀跺彇鍒╂伅鐨勫墠鎻愪笅錛屽埄鐜囧ぇ姒傚湪8%-12%涔嬮棿錛屽傛灉璐鋒5涓囧厓錛屼竴騫寸殑鍒╂伅澶х害涓4000-6000鍏冦
涓夈佷俊鐢ㄥ崱鍒嗘湡錛氬埄鎮鐨勫ぇ灝忎笌鍒嗘湡鏈熸暟銆佽捶嬈鵑噾棰濄佸垎鏈熷埄鐜囨湁鐩存帴鍏崇郴錛屼竴鑸姣旇緝楂樸
銆愭嫇灞曡祫鏂欍
奼借濺鎸夋彮璐鋒炬槸鎸囬摱琛屽悜鐢寵瘋喘涔版湰浜哄悕涓嬫苯杞︾殑鍊熸句漢鍙戞斁鐨勶紝鐢ㄤ簬鏀浠樻墍璐杞﹁締杞︽劇殑錛岃繕嬈炬柟寮忎負鍒嗘湡鍋胯繕鏈鎮鐨勮捶嬈俱傛苯杞︽寜鎻璐鋒句竴鑸鏈熼檺涓嶈秴榪5騫淬
鐢寵瘋濺璐鋒苯杞︽姷鎶艱捶嬈炬湇鍔℃墍闇鏉′歡鍜屾潗鏂欙細
1.鎷ユ湁紼沖畾鑱屼笟錛岀敵璇蜂漢鎷ユ湁褰撳湴鎶墊娂杞﹁締鐨勬墍鏈夋潈錛
2.涓氬姟寮灞曞煄甯傞暱鏈熷眳浣忓拰宸ヤ綔錛岃亴涓氬拰緇忔祹鏀跺叆璇佹槑錛
3.鏈哄姩杞︾櫥璁拌瘉銆佽岄┒璇併佽喘緗闄勫姞紼庤瘉(鏈)銆佽喘杞﹀彂紲錛
4.淇濋櫓鍗曘佽濺鑸圭◣銆佽繘鍙ｈ濺杈嗙浉鍏崇◣璇佹槑錛
5.韜浠借瘉(闈炴湰鍦版埛鍙ｅ㈡埛鎻愪緵鏈夋晥鏈熷唴鏆備綇璇佹垨灞呬綇璇)錛
6.鍚堜綔鏈烘瀯瑕佹眰鎻愪緵鐨勫叾浠栨枃浠惰祫鏂欍
涓嶅悓鐨勬苯杞︽姷鎶艱捶嬈炬満鏋勶紝鐢寵鋒椂鎵闇瑕佺殑鏉′歡涔熺暐鏈変笉鍚屻
緇煎悎鏉ョ湅鐨勬櫘閬嶆潯浠舵槸錛
韜浠借瘉銆佹埛鍙ｇ翱鎴栧叾浠栨湁鏁堝眳鐣欒瘉浠跺師浠訛紝騫舵彁渚涘叾澶嶅嵃浠訛紱
鑱屼笟鍜岀粡嫻庢敹鍏ヨ瘉鏄庯紱
涓庣粡閿鍟嗙捐㈢殑璐杞﹀崗璁銆佸悎鍚屾垨鑰呰喘杞︽剰鍚戜功錛
鍚堜綔鏈烘瀯瑕佹眰鎻愪緵鐨勫叾浠栨枃浠惰祫鏂欍
榪欑被鏃犻』鎶艱濺鐨勬苯杞︽姷鎶艱捶嬈撅紝鍒欓渶瑕佸叿澶囦互涓嬫潯浠訛細鎷ユ湁紼沖畾鑱屼笟錛岀敵璇蜂漢鎷ユ湁褰撳湴鎶墊娂杞﹁締鐨勬墍鏈夋潈錛屼笟鍔″紑灞曞煄甯傞暱鏈熷眳浣忓拰宸ヤ綔銆傞渶瑕佷綘鍑虹ず鏈哄姩杞︾櫥璁拌瘉銆佽岄┒璇併佽喘緗闄勫姞紼庤瘉(鏈)銆佽喘杞﹀彂紲ㄣ佷繚闄╁崟銆佽濺鑸圭◣銆佽繘鍙ｈ濺杈嗙浉鍏崇◣璇佹槑銆佽韓浠借瘉(闈炴湰鍦版埛鍙ｅ㈡埛鎻愪緵鏈夋晥鏈熷唴鏆備綇璇佽揣灞呬綇璇)銆
娉ㄦ剰浜嬮」錛
1.澶у氭苯杞︽姷鎶艱捶嬈鵑兘鏄瀹炶岀殑鎶艱瘉涓嶆娂杞︼紝涔熷氨璇達紝鍙瑕佷綘鎶婅嚜宸辨苯杞︾殑鐩稿叧璇佷歡鎶墊娂緇欒捶嬈炬満鏋勫氨鍙鑾峰彇璐鋒撅紝鑰屾苯杞﹀湪瀹夎呬笂GPS浠ュ悗鐓у父浣跨敤銆傚洜姝わ紝鍦ㄥ姙鎶墊娂涔嬪墠錛屽簲鍏堜簡瑙ｏ紝奼借濺鎶墊娂鏄鍚︽娂杞︼紝鍙灝介噺閬垮厤瑕佹娂杞︾殑鏈烘瀯錛
2.奼借濺鎶墊娂璐鋒劇殑璧勯噾寰寰鐢ㄤ簬鐭鏈熷懆杞銆傝嫢鏄闇瑕侀暱鏈熻捶嬈劇殑錛屼笉閫傜敤浜庣敤奼借濺浣滀負鎶墊娂鏉ヨ捶嬈撅紱
3.鐢變簬奼借濺鎶墊娂璐鋒懼線寰鎵浜х敓鐨勮垂鐢ㄩ囬珮錛屽洜姝よ嫢鏄閫夋嫨鍛ㄦ湡杈冮暱鐨勮濺杈嗘姷鎶艱捶嬈撅紝鍦ㄥ叿澶囨彁鍓嶈繕嬈劇殑鎯呭喌涓嬶紝鍙灝介噺鎻愬墠榪樻俱
4.鍊熸句漢鍦ㄩ夋嫨鏈烘瀯涓婏紝搴斿敖閲忛夋嫨姝ｈ勮捶嬈炬満鏋勩傚傞摱琛屻佸伐鍟嗘敞鍐岀殑灝忚捶鍏鍙搞傚湪姝ゅ熀紜涓婃墠鑳界湡姝ｇ殑淇濇姢鑷宸辯殑鍚堟硶鏉冪泭錛屼竴鏃︿駭鐢燂紝娉曞緥涔熷ソ瑙ｅ喅銆
涔拌濺璐鋒劇殑鍒╂伅鎬庝箞綆楃殑錛
棣栦粯錛9000030%=27000
灝炬撅細90000-27000=63000
鍒╂伅錛630009%3=17000
鎬婚濓細棣栦粯浣欐懼埄鎮=270006300017000=107000
鏁磋濺钀藉湴澶ф傛槸鍗佷竾涓冨崈澶(鍏朵腑涓嶅寘鍚淇濋櫓涓婄墝璐圭瓑絳)
杞﹁捶鎸囪捶嬈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傛苯杞︽秷璐硅捶嬈炬槸閾惰屽瑰湪鍏剁壒綰︾粡閿鍟嗗勮喘涔版苯杞︾殑璐杞﹁呭彂鏀劇殑浜烘皯甯佹媴淇濊捶嬈劇殑涓縐嶆柊鐨勮捶嬈炬柟寮忋
鍊熸句漢蹇呴』鏄璐鋒捐屾墍鍦ㄥ湴甯鎬綇鎴峰彛灞呮皯銆佸叿鏈夊畬鍏ㄦ皯浜嬭屼負鑳藉姏銆
鎵╁睍璧勬枡
杞﹁捶鐨勬敞鎰忎簨欏規湁浠ヤ笅錛
1.鍦ㄤ韓鍙椾簡鍟嗗垛滈浂鍒╃巼鍏嶆伅璐鋒鋸濆悗錛屾槸鍚﹁繕鍙浠ヤ韓鍙楄濺浠蜂紭鎯犮
2.鏃ュ墠甯傚満鐨勮濺璐鋒墜緇璐瑰湪4%~7.5%鐨勫尯闂村唴錛屾槸鍚﹀厤浜嗗埄鎮鎻愰珮浜嗘墜緇璐廣
3.璐杞﹀埄鐜囨槸鎸夐摱琛屽熀鍑嗗埄鐜囨敹鍙栵紝鏄鍚﹀厤浜嗘墜緇璐癸紝鍒╂伅浼氬湪閾惰屽熀鍑嗗埄鐜囧熀紜涓婁笂嫻銆
鍦ㄥ仛杞﹁捶鏃舵渶閲嶈佺殑榪樻槸瑕佽揣姣斾笁瀹訛紝娑堣垂鑰呭簲璇ラ夋嫨鍏峰囦竴瀹氳祫璐ㄥ拰瀹炲姏鐨勬ｈ勬苯杞﹁捶嬈炬湇鍔″叕鍙革紝鍏跺湪鏈嶅姟銆佹敹璐圭瓑鏂歸潰涓嶄粎瑙勮寖錛岃屼笖涓嶄細鐣欎笅闅愭偅銆
鍒╂伅鐨勪駭鐢熷洜緔狅細
1.寤惰繜娑堣垂錛屽綋鏀炬句漢鎶婇噾閽卞熷嚭錛屽氨絳変簬寤惰繜浜嗗規秷璐瑰搧鐨勬秷璐廣傛牴鎹鏃墮棿鍋忓ソ鍘熷垯錛屾秷璐硅呬細鍋忓ソ鐜版椂鐨勫晢鍝佸氫簬鏈鏉ョ殑鍟嗗搧錛屽洜姝ゅ湪鑷鐢卞競鍦轟細鍑虹幇姝ｅ埄鐜囥
2.棰勬湡鐨勯氳儉錛屽ぇ閮ㄥ垎緇忔祹浼氬嚭鐜伴氳揣鑶ㄨ儉錛屼唬琛ㄤ竴涓鏁伴噺鐨勯噾閽憋紝鍦ㄦ湭鏉ュ彲璐涔扮殑鍟嗗搧浼氭瘮鐜板湪杈冨皯銆傚洜姝わ紝鍊熸句漢闇鍚戞斁嬈句漢琛ュ伩姝ゆ墊湡闂寸殑鎹熷け銆
3.浠ｆ浛鎬ф姇璧勶紝鏀炬句漢鏈夐夋嫨鎶婇噾閽辨斁鍦ㄥ叾浠栨姇璧勪笂銆傜敱浜庢満浼氭垚鏈錛屾斁嬈句漢鎶婇噾閽卞熷嚭錛岀瓑浜庢斁寮冧簡鍏朵粬鎶曡祫鐨勫彲鑳藉洖鎶ャ傚熸句漢闇涓庡叾浠栨姇璧勭珵浜夎繖絎旇祫閲戙
4.鎶曡祫椋庨櫓錛屽熸句漢闅忔椂鏈夌牬浜с佹綔閫冩垨嬈犲轟笉榪樼殑椋庨櫓錛屾斁嬈句漢闇鏀跺彇棰濆栫殑閲戦挶錛屼互淇濊瘉鍦ㄥ嚭鐜拌繖浜涙儏鍐典笅錛屼粛鍙鑾峰緱琛ュ伩銆
5.嫻佸姩鎬у嚲濂斤紝浜轟細鍋忓ソ鍏惰祫閲戞垨璧勬簮鍙闅忔椂渚涚珛鍗充氦鏄擄紝鑰屼笉鏄闇瑕佹椂闂存垨閲戦挶鎵嶅彲鍙栧洖銆傚埄鐜囦害鏄瀵規ょ殑涓縐嶈ˉ鍋褲
❷ 璐鋒句拱杞︿竴鑸鍒╂伅澶氬皯
涓銆佺煭鏈熻捶嬈撅細涓騫翠互鍐咃紙鍚涓騫4.35銆
浜屻佷腑闀挎湡璐鋒:涓鑷充簲騫(鍚浜斿勾)4騫.75錛屼簲騫翠互涓 4.90銆
涓夈佸叕縐閲戣捶嬈懼埄鐜 騫村埄鐜%錛屼簲騫翠互涓(鍚浜斿勾)2.75銆備簲騫翠互涓 3.25.鏍規嵁涓鍥戒漢姘戦摱琛岀殑瑙勫畾錛岀洰鍓嶅悇閾惰岀殑璐鋒懼埄鐜囧彲浠ヨ嚜鐢辨誕鍔錛屾墍浠ュ悇閾惰岀殑璐鋒懼埄鐜囦細鏈夋墍涓嶅悓錛岃捶嬈鵑渶瑕佹敮浠樺氬皯鍒╂伅銆
璐鋒句拱杞︽敞鎰忎簨欏癸細璐鋒句拱杞︼紝鏄鍏ㄩ櫓錛4S搴楃殑璇存硶錛岃捶嬈句拱杞﹁濺榪樹笉鏄浣犵殑錛屾槸閾惰岀殑錛岄摱琛岄渶瑕佷綘鍦ㄨ繕娓呰捶嬈懼墠淇濇寔杞﹁締鐨勫畨鍏錛屽畬鏁存ц捶嬈句拱杞︼紝4S鍟嗗簵鍙鑳戒細鎶婂畠鏀懼湪浣犵殑杞︿笂GPS瀹氫綅瑁呯疆錛岄槻姝㈣窇璺錛岃繖涓嶄竴瀹氥傝捶嬈句拱杞︼紝4S鍟嗗簵浼氱潱淇冧綘鍦ㄦ湡闄愬唴鎷垮埌鐗岀収銆傞炬湡浼氭湁闂棰樸傝捶嬈句拱杞﹀悗錛岃濺杈嗙櫥璁拌瘉鍜屽晢涓氫繚闄╁壇鏈灝嗙敱4浜虹粍鎴怱鍟嗗簵浜ょ粰閾惰屾姷鎶箋傝捶嬈句拱杞︼紝鏈夌殑搴椾細寮哄埗瑕佹眰浣犲湪璐鋒炬湡闄愬唴4S鍦ㄥ晢搴楅噷涔頒繚闄┿傝捶嬈句拱杞︼紝涓浜涗笉姝ｈ勭殑搴楋紝鍦ㄥ埄鐜囦笂鏈夌尗鑵伙紝榪欎竴瀹氳佹槑鐧姐
奼借濺涔嬪舵姤浠
❸ 涔拌濺璐鋒懼埄鐜囦竴鑸鏄澶氬皯
涓銆佷拱杞﹁捶嬈懼埄鐜囦竴鑸鏄澶氬皯
杞﹁捶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鍒╃巼涓婁笅涓瀹氳寖鍥村唴榪涜屾誕鍔ㄣ傚悇澶ч摱琛屾苯杞﹁捶嬈炬湡闄愪竴鑸涓嶈秴榪5騫達紝杞﹁捶鍒╃巼澶氬皯鐩存帴鍐沖畾浜嗕漢浠榪涜屽喅瀹氫漢浠鏄鍚﹁繘琛岃捶嬈炬秷璐圭殑涓欏歸噸瑕佸洜緔犮
銆愭嫇灞曡祫鏂欍
杞﹁捶鏈堜緵鐨勮＄畻鍏寮: A=P)^n-1]/n^2/i
A:姣忔湀渚涙
P:渚涙炬婚噾棰
i:鏈堝埄鐜(騫村埄/12)
n:渚涙炬繪湀鏁(騫疵12)
奼借濺娑堣垂璐鋒炬湡闄愪竴鑸涓1-3騫達紝鏈闀誇笉璐鋒炬湡闄愶紙鍚灞曟湡錛変笉寰楄秴榪3騫達紝緇忛攢鍟嗘苯杞﹁捶嬈劇殑璐鋒炬湡闄愪笉寰楄秴榪1騫淬
鍚勮岃濺璐峰埄鐜囦竴鑸濡備笅錛
1.涓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
2.涓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.涓鍥藉伐鍟嗛摱琛岃濺璐峰埄鐜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樿繕嬈炬椂闂磋秺闀匡紝鍒╂伅灝變細瓚婇珮銆傝濺璐峰埄鐜囦篃涓嶆槸涓鎴愪笉鍙樼殑錛岋紝褰卞搷杞﹁捶鍒╃巼鐨勫洜緔犳槸鏈夊緢澶氱殑銆傝濺璐峰埄鐜囨槸鐜囪繘琛岃皟鏁達紝鍑嗙『鐨勮捶嬈懼埄鐜囪繕浼氬彈鍒頒釜浜哄緛淇★紝璐峰熸句漢鐨勮嚜韜鍥犵礌絳夋柟闈㈢殑褰卞搷銆
杞﹁捶鎸囪捶嬈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傛苯杞︽秷璐硅捶嬈炬槸閾惰屽瑰湪鍏剁壒綰︾粡閿鍟嗗勮喘涔版苯杞︾殑璐杞﹁呭彂鏀劇殑浜烘皯甯佹媴淇濊捶寮忋傛苯杞︽秷璐硅捶嬈懼埄鐜囧氨鏄鎸囦漢鍙戞斁鐨勭敤浜庤喘涔拌嚜鐢ㄦ苯杞︼紙涓嶄互钀ュ埄涓虹洰鐨勭殑瀹剁敤杞胯濺鎴7搴э紙鍚錛変互涓嬪晢鍔¤濺錛夌殑璐鋒炬暟棰濅笌鏈閲戠殑姣斾緥銆傚埄鐜囪秺棰濆氨瓚婂ぇ銆
浜屻佹苯杞﹁捶嬈懼埄鐜囦竴鑸鏄澶氬皯?
鍩哄噯騫村埄鐜4.5% 錛岀畻涓嬫潵10000鍏冧竴騫260鍒╂伅 涓浜烘苯杞︽秷璐硅捶嬈劇幇鍦ㄧ粺涓鏄浠 鈥3騫7鎴愨濆埗搴 涔熷氨鏄璇撮栦粯3鎴 璐鋒句負杞︿環7鎴 鍒3騫磋繕 緇熶竴 鈥滄湰杞︽姷鎶尖 10000鍏冧竴騫村埄鎮260 嫻佺▼:璁㈣濺-鎻愪氦璧勬枡-閾惰屽℃壒-閫氳繃鎻愯濺銆備釜浜烘苯杞︽寜鎻璐鋒:璐圭敤鏄庣粏 1 鎷呬繚璐:杞︿環脳1.1脳2.5%(杞︿環7涓囦互涓:杞︿環脳1.1脳3%) 2 璋冩煡璐:400-600 3 妗ｆ堢＄悊璐:600(璇存槑:杞﹁捶鎸夋彮涓鑸涓衡7鎴3騫粹濓紝鍦ㄨ繖3騫翠腑涓鍒囬棶棰樼敱鏈鍏鍙稿叏鏉冭礋璐ｅ強綆＄悊) 4 宸ユ湰璐:200
涓夈佷拱杞﹁捶嬈懼埄鐜囧氬皯
鐜板湪鐨勬苯杞﹁捶嬈句富瑕佹湁涓夌嶈捶嬈懼艦寮忥紝姣斿傝翠俊鐢ㄥ崱鍒嗘湡璐杞︺侀摱琛屾苯杞︽秷璐硅捶嬈句互鍙婃苯杞﹂噾鋙嶅叕鍙歌捶嬈俱傝繖涓夌嶈捶嬈炬柟寮忕殑鍒╂伅鏄涓嶅悓鐨勩
浠ヤ笅灝辨槸鍏蜂綋鐨勬儏鍐碉細
1銆佷俊鐢ㄥ崱鍒嗘湡璐杞︼細閾惰屼笉鏀跺彇鍒╂伅錛屽彧鏀跺彇鍒嗘湡鎵嬬畫璐廣備絾涓嶅悓閾惰岀殑淇＄敤鍗″垎鏈熸墜緇璐逛笉鍚岋紝鎵浠ュ叿浣撶殑鍒╂伅瑕佹牴鎹淇＄敤鍗″垎鏈熼噾棰濄佸垎鏈熸湡鏁般佸垎鏈熷埄鐜囨潵鍐沖畾銆
2銆侀摱琛屾苯杞︽秷璐硅捶嬈撅細鍚勫墮摱琛岄兘鏈夋苯杞︽秷璐硅捶嬈炬湇鍔★紝璐鋒懼埄鐜囦竴鑸鍦5%-12%涔嬮棿錛屼篃灝辨槸璇磋捶嬈10涓囧厓錛屼竴騫寸殑鍒╂伅澶х害涓5000-12000鍏冦
3銆佹苯杞﹂噾鋙嶅叕鍙歌捶嬈撅細奼借濺閲戣瀺鍏鍙歌捶嬈炬湁鏃跺欎細鏈夊厤鎮媧誨姩錛屼絾4S搴椾細鏀跺彇涓閮ㄥ垎鏈嶅姟璐廣傚傛灉鏀跺彇鍒╂伅錛屽埄鐜囧ぇ綰﹀湪8%-12%涔嬮棿錛屼篃灝辨槸璇磋捶嬈10涓囧厓錛屼竴騫寸殑鍒╂伅澶х害涓8000-12000鍏冦
鏇村氬叧浜庝拱杞﹁捶嬈懼埄鐜囧氬皯錛岃繘鍏ワ細https://www.abcgonglue.com/ask/7de18c1616095518.html?zd鏌ョ湅鏇村氬唴瀹
鍥涖佸箍鍙戦摱琛屼俊鐢ㄥ崱闈犺氨鍚楋紵
騫垮彂閾惰岀殑淇＄敤鍗★紝棣栧厛璇翠笅騫垮彂淇＄敤鍗″摢鍑犵被鍊煎緱鐢寵楓
騫垮彂閾惰岀殑DIY鍗″拰鐪熸儏鍗￠兘鏄濂藉崱錛岀壒瀹氳屼笟鏄3鍊嶇Н鍒嗭紝DIY鍦ㄧ敵鍗＄殑鏃跺欐渶濂芥妸3涓琛屼笟閮介変笂錛屽洜涓轟笅鍗″悗灝變笉鑳芥坊鍔犱簡錛屽彲浠ラ厤鍚堢暀瀛︾敓鍗℃捀閲岀▼錛岃垗寰楀勾璐圭殑璇濅笂鍗楄埅鐧斤紝鎾擱噷紼嬪埄鍣錛岃垗涓嶅緱騫磋垂鐨勪笂灝忕櫧閲戱紝鑷誨皻鐧芥槸棰濆害鏉鎵嬶紝灝介噺閬垮紑銆
❹ 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