A. 璐锋句拱杞﹀埄鎭鏄鎬庝箞璁＄畻鐨勶紵
涓銆佽捶娆句拱杞﹀埄鎭鏄鎬庝箞璁＄畻鐨勶紵
1銆18涓囩殑杞︿环棣栦粯20%灏辨槸3.6涓囧厓锛岃捶娆惧氨鏄14.4涓囧厓锛
2銆佺涓骞村勾鍒╂伅灏辨槸14.4涓囧厓0.0269骞村埄鐜=3873.6鍏冿紱
3銆佺涓涓鏈堣繕娆惧氨鏄3873.6鍏/12涓鏈=322.8鍏冿紱6銆佺涓涓鏈堣捶娆炬湰閲14.4涓囧厓/36涓鏈=4000鍏冦7銆佺涓涓鏈堣捶娆炬湰閲戝埄鎭灏辨槸4000鍏322.8鍏=4322.8鍏冦傛敞鎰4322.8鍏冨簲璇ユ槸绗涓涓鏈堢殑鏈閲戝埄鎭锛岀敱浜庤捶娆炬湰閲戦愭湀鍑忓皯锛岃捶娆剧殑鍒╂伅涔熷搷搴斾細鍑忓皯锛岃蜂笌姹借溅閿鍞鍟嗘矡閫氾紒
浜屻佷拱杞﹁捶娆惧備綍璁＄畻鍒╂伅
涔拌溅璐锋惧彲浠ョ敤鍏寮忊滃埄鎭=璐锋炬湰閲戣捶娆惧埄鐜囪捶娆炬湡闄愨濓紝鏉ヨ＄畻鍑哄埄鎭銆備竴鑸鏉ヨ达紝璐锋炬満鏋勪細鏍规嵁鍊熸句汉鐨勪釜浜鸿祫璐锛屾潵鍐冲畾鍊熸句汉鐨勮捶娆惧埄鐜囥佽捶娆鹃噾棰濄佽捶娆炬湡闄愩
鍋囪惧熸句汉璐锋剧殑閲戦濅负50000鍏冿紝璐锋炬湡闄愪负3骞达紝璐锋惧埄鐜囦互鍩哄噯鍒╃巼4.75%璁＄畻锛岄偅涔堝熸句汉搴旀敮浠樼殑鎬诲埄鎭涓5000034.75%=7125鍏冦
涓夈佽喘杞﹁捶娆惧埄鎭鎬庝箞绠,鎬庢牱璁＄畻璐锋惧埄鎭
鐢叉柟璇佹嵁:鍊熸嵁(鍊熸句汉澶勬湁绉佷汉绛惧悕-鍏鍙稿壇缁忕悊鍜屼細璁＄殑,娌″叕绔)锛屽熸嵁鍐呭癸細鍏瑰焁XX(鐢叉柟)浜烘皯甯乆XX鍏冿紝鍊熸句汉XXXXXX(鍓缁忕悊鍜屼細璁＄惧悕)锛庝箼鏂硅瘉鎹:1)鍑哄熶汉鍦ㄥ叕鍙哥鹃嗚〃涓婄惧悕棰嗗埄鎭,2)鍑虹撼浼氳″笎閮藉弽鏄犵敳鏂瑰熸剧粰鍏鍙,3)鐢叉柟鐩存帴灏嗘句氦鍑虹撼(鍑虹撼,閾惰岀殑璇佹槑),4)鍏鍙告硶浜虹粡鐞嗗嚭鍏风殑濮旀墭璇佹槑(浜嬪墠鐢佃瘽涓婂拰鐢叉柟璋堝ソ浜,鐢佃瘽濮旀墭浜屼汉鍔炵悊,浜嬪悗娉曚汉杩借ょ殑),5)鐢叉柟鏄鍏鍙歌偂涓(宸ュ晢灞娉ㄥ唽),娌℃湁鍑鸿祫锛屽嚑骞存潵鍊熸剧粰鍏鍙稿氭★紝閮芥槸瑕佸叕鍙镐汉鍛樺嚭鍏风佷汉鍊熸嵁褰㈠紡,鏄鑲′笢鍜屽叕鍙哥殑绾﹀畾,宸叉垚鎯渚(璐浼氬笎涓婃湁鍙嶆槧鍑烘潵,杩樻湁淇濈暀鐨勪互鍓嶇殑鍚屾牱鎴栧悓绫荤佷汉鍊熸嵁,鍏朵腑鏈夌涓娆℃硶浜哄拰浼氳′釜浜虹惧悕涓哄叕鍙稿熸剧殑绉佷汉鍊熸嵁,鍏ㄩ儴閮芥槸鐢叉柟鍦ㄥ叕鍙哥惧悕棰嗗洖鏈鎭)锛岃繕鏈変袱绗旀病杩橈紝璇ュ熸嵁鏄鍏朵腑涔嬩竴锛屽湪鍏鍙告嬁浜嗛珮鎭,鐜板湪鍏鍙镐笉琛屼簡灏辫捣浜忓績.鐢叉柟璁や负锛氬叕鍙告槸绌哄３鍏鍙革紝鎴戜笉鍚屾剰鍊熼挶鍏鍙革紝鍙鍊熼挶缁欑佷汉,鎵浠ヨ佷綘浠鍐欑佷汉鍊熸嵁锛屼竴鐩撮兘鏄鍊熺粰绉佷汉锛屼簩浜虹惧悕锛屾槸绉佷汉鍊熸嵁锛屾垜灏嗛挶鍊熺粰浠栦滑浜屼汉锛屽備綍杩樻惧拰鍒╂伅涓嶅奖鍝嶅烘潈鍊哄姟鍏崇郴,鏄涓や汉鐨勭佷汉鍊熸撅紟涔欐柟璁や负锛氫袱浜哄彈娉曚汉濮旀墭鑰岀惧啓鍊熸嵁鏄鑱屽姟琛屼负锛岀敳鏂瑰皢閽辩洿鎺ヤ氦鍏鍙/鍑虹撼鑰屾病鏈変氦缁欎簩浜(鑷鐒朵汉闂村熻捶涓嶇敓鏁,)锛屽叕鍙稿悜鐢叉柟鍊熸惧啓绉佷汉鍊熸嵁鏄鎯渚,鍏鍙歌储浼氬笎鏈夋竻鏅拌板綍,鍙堝湪鍏鍙哥鹃嗗埄鎭(鍏鍙稿拰鐢叉柟鍐嶆＄浉浜掓壙璁)锛屼负鍏鍙稿熸,鎵惧叕鍙歌!闂棰樻槸:1)鏄鍏鍙稿熸捐繕鏄绉佷汉鍊熸?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鸿繕娆句簡,鍊熸嵁鏄鐩存帴璇佹嵁锛佷箼鏂圭殑鐤戞儜:浜屼汉鏄绛惧啓浜嗗熸嵁,浣嗘槸鏄鍙楁硶浜哄旀墭浠ｈ〃鍏鍙哥惧啓鐨,鍙楁墭浜哄氨涓嶈兘浠ヨ嚜宸辩殑鍚嶄箟绛惧悎鍚?鍦ㄧ惧啓鍚堝悓(鍊熸嵁)鏃,鐢叉柟鏄鐭ラ亾鍏朵唬琛ㄥ叕鍙稿熸剧殑(鐢辫瘉鎹璇佹槑:1鐢叉柟鐩存帴灏嗛挶浜ゅ叕鍙,2鍓嶅悗鍑犲勾鍦ㄥ叕鍙搁嗗埄鎭鐣欎笅鐨勪功璇,3鍑犲勾鏉ュ悓鏍风殑鍊熸剧敳鏂瑰湪鍏鍙哥惧崟/鍚嶉嗕細鏈閲戠暀涓嬬殑涔﹁瘉4鐢叉柟鑷宸辨槸鑲′笢,浜屼汉韬浠,娉曚汉鐨勫旀墭璇佹槑鏉愭枡),鍐嶈寸敳鏂瑰瑰叕鍙稿饱琛屼簡浠樻句箟鍔,骞跺悜鍏鍙镐富寮犱簡鏉冨埄(瑕佸埄鎭),鎸夋皯娉曠殑鍏骞冲師鍒欏拰鍚堝悓鐨勭浉瀵规,涔熶笉璇ュ悜浜屼汉涓诲紶鏉冨埄鐨.濡傛灉鏄绉佷汉鍊熸(鑷鐒朵汉涔嬮棿鐨勫熸),鎸夊悎鍚屾硶210鏉,鍚堝悓涔熸病鐢熸晥
鍥涖佽溅璐峰埄鎭璁＄畻鍏寮
杞﹁捶璁＄畻鍏寮忥細1銆侀濇湰鎭杩樻炬硶锛屽嵆璐锋炬湡姣忔湀浠ョ浉绛夌殑棰濆害骞冲潎鍋胯繕璐锋炬湰鎭锛屾瘡鏈堣繕娆捐＄畻鍏寮忎负锛氭瘡鏈堣繕娆鹃=璐锋炬湰閲懨楁湀鍒╃巼脳锛1鏈堝埄鐜囷級杩樻炬湀鏁/[锛1鏈堝埄鐜囷級杩樻炬湀鏁-1];鎷撳睍璧勬枡锛氳溅璐凤紙CarLoan锛夋寚璐锋句汉鍚戠敵璇疯喘涔版苯杞︾殑鍊熸句汉鍙戞斁鐨勮捶娆俱傝溅璐风殑瀹為檯鍒╃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娆惧熀鍑嗗埄鐜囨潵鍒跺畾銆傝溅璐风被鍨嬩富瑕佹湁鐩村㈠紡銆侀棿瀹㈠紡銆佷俊鐢ㄥ崱杞﹁捶涓夌嶃傝溅璐锋湡闄愪竴鑸涓1-3骞达紝鏈闀夸笉瓒呰繃5骞淬傝溅璐风被鍨嬭溅璐蜂釜浜鸿捶娆捐喘杞︿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埛鐩存帴瑙侀潰杩涜岃捶娆剧殑閾惰岃溅璐凤紝闂村㈠紡涓鑸涓烘苯杞﹂噾铻嶅叕鍙歌浆鎺ュ㈡埛鐨勬苯杞﹂噾铻嶅叕鍙歌溅璐枫傜洿瀹㈠紡閾惰岃溅璐凤紝鎵鏀剁殑璐圭敤椤圭洰涓烘娂閲戙佹湰鎭銆3%鎷呬繚璐圭瓑锛岄摱琛屼紭璐ㄥ㈡埛璐圭敤杩樹細鏈夋墍浼樻儬锛屼笉杩囨瘡瀹堕摱琛岀殑浼樻儬鏀跨瓥鍚勬湁涓嶅悓銆傞棿瀹㈠紡姹借溅閲戣瀺鍏鍙歌溅璐烽櫎浜嗙即绾充互涓婅垂鐢ㄥ栵紝杩橀渶璐熸媴鐩戠¤垂銆佽溅闃熺＄悊璐广佽川淇濈画淇濇娂閲戣繕鏈変竴绉嶅氨鏄淇＄敤鍗¤溅璐凤紝淇＄敤鍗″垎鏈熻喘杞﹁捶娆惧彧瀵归摱琛屼俊鐢ㄥ崱鐢ㄦ埛鎻愪緵鍒嗘湡浠樻撅紝涓嶆槸浠讳綍鏉′欢閮藉彲浠ュ姙鐞嗭紝杩樿佹湁涓涓瀹℃牳绋嬪簭锛屾湁涓嶈壇淇＄敤璁板綍鐨勪俊鐢ㄥ崱鐢ㄦ埛灏卞緢闅惧姙鐞嗐備俊鐢ㄥ崱鍒嗘湡璐杞︾殑鍏蜂綋姝ラゅぇ鑷村備笅锛1.鎸佸崱浜(鎴栫敵璇蜂汉)鐢佃瘽璧勮㈤摱琛屼俊鐢ㄥ崱涓蹇冩垨鍘诲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.鎸佸崱浜烘寔鏈浜鸿韩浠借瘉浠讹紝鑷崇粡閿鍟嗗勭幇鍦哄～鍐欒溅璐鏄撳垎鏈熻㈠崟锛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轰粯棣栦粯娆撅紝骞跺姙鐞嗘ｅ父璐杞︽墜缁銆4.褰撹溅杈嗕笂瀹岀墝鐓т互鍚庯紝鎸佸崱浜洪渶瑕佸悜閾惰屽姙鐞嗘姷鎶兼墜缁鍚屾椂璐涔版墍闇瑙勫畾杞﹂櫓闄╃嶃5.鏈鍚庢垜浠灏卞彲浠ラ『鍒╁湴灏嗙埍杞﹀紑璧般傝捶娆炬潯浠1.鍏锋湁鏈夋晥韬浠借瘉鏄庝笖鍏锋湁瀹屽叏姘戜簨琛屼负鑳藉姏锛2.鑳芥彁渚涘浐瀹氬拰璇︾粏浣忓潃璇佹槑锛3.鍏锋湁绋冲畾鐨勮亴涓氬拰鎸夋湡鍋胯繕璐锋炬湰鎭鐨勮兘鍔涳紱4.涓浜虹ぞ浼氫俊鐢ㄨ壇濂斤紱5.鎸佹湁璐锋句汉璁ゅ彲鐨勮喘杞﹀悎鍚屾垨鍗忚锛6.鍚堜綔鏈烘瀯瑙勫畾鐨勫叾浠栨潯浠躲
B. 涔拌溅鏃惰捶娆惧埄鐜囨庝箞绠楋紵
涓銆佷拱杞︽椂璐锋惧埄鐜囨庝箞绠楋紵
杞﹁捶鍒╃巼涓嶆槸鍥哄畾鐨勶紝鎸夊ぎ琛岃勫畾锛屾苯杞﹁捶娆炬墽琛岃捶娆惧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杩涜屾诞鍔ㄣ
澶ч儴鍒嗙殑杞﹁捶杩樻炬湡闄愰兘涓嶄細瓒呰繃5骞达紝鑰岃溅璐风殑骞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锋惧熀鍑嗗埄鐜囧湪1-5骞翠箣闂翠负4.75%锛屼竴骞村唴鍒╃巼涓4.35%锛屽洜姝や竴鑸杞﹁捶鐨勬渶浣庡勾鍒╃巼鏈浣庝负4.35%銆
鍚勮岃溅璐峰埄鐜囦竴鑸濡備笅锛
1锛氫腑鍥介摱琛岋細璐锋惧勾闄1骞达紝璐锋惧埄鐜4%锛2骞达紝8%锛3骞达紝12%銆
2锛氫腑鍥藉缓璁鹃摱琛岋細1-3骞达紙鍚3骞达級锛5.31%骞存暟锛3-5骞达紙鍚5骞达級锛5.4%骞存暟銆
3锛氫腑鍥藉伐鍟嗛摱琛岋細6涓鏈堜互鍐咃紙鍚6涓鏈堬級锛岃溅璐峰埄鐜5.60%锛6涓鏈堣嚦1骞达紙鍚1骞达級锛岃溅璐峰埄鐜6.00%锛1-3骞达紙鍚3骞达級锛6.15%骞存暟锛3-5骞达紙鍚5骞达級锛6.40%骞存暟锛5骞翠互涓婏紝6.55%骞存暟銆
璐锋剧殑鏈閲戣秺楂樺墠鎼鸿繕娆炬椂闂磋秺闀匡紝鍒╂伅灏变細瓒婇珮锛岃溅璐峰埄鐜囦篃涓嶆槸闄嗙畝涓鎴愪笉鍙樼殑锛屽奖鍝嶈溅璐峰埄鐜囩殑鍥犵礌鏄鏈夊緢澶氱殑銆傝溅璐峰埄鐜囨槸鍚勮捶娆炬満鏋勬牴鎹澶琛岀殑鍩哄噯鍒╃巼杩涜岃皟鏁达紝鍑嗙‘鐨勮捶娆惧埄鐜囪繕浼氬彈鍒颁釜浜哄緛淇★紝璐锋炬満鏋勮嚜韬鐘跺喌锛屽熸句汉鐨勮嚜韬鍥犵礌绛夋柟闈㈢殑褰卞搷銆
浜屻佹棩浜ф苯杞﹂噾铻嶈捶娆惧埄鎭鎬庝箞绠
鐜板湪寰堝氳溅璐蜂负浜嗕績閿鍩烘湰涓婇兘鏄娌″埄鎭銆傚叧閿鏄鐪嬪綋鍦版斂绛栨庝箞鏍
涓夈佷拱杞﹂噾铻嶈捶娆惧埄鎭鎬庝箞绠楃殑
璐杞︽椂鎴戜滑闇瑕佹敮浠樼殑璐圭敤澶х暐濡備笅锛
1.閾惰岃捶娆惧熀鍑嗗埄鐜囷細1骞存湡6.666%;2骞存湡-3骞存湡6.71%;
2.棣栨湡浠樻炬婚=棣栦粯娆惧繀瑕佽姳璐瑰晢涓氫繚闄
3.璐缃绋=璐杞︽/(117%)脳璐缃绋庣巼(10%)
4.涓婄墝璐圭敤锛氶氬父鍟嗗舵彁渚涚殑涓鏉￠緳鏈嶅姟鏀惰垂绾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鍏冦佹嫇鍙疯垂40鍏冦佽岄┒璇佺浉鐗20鍏冦佹墭鐩樿垂130鍏冦
5.杞﹁埞浣跨敤绋庯細鍚勭渷涓嶇粺涓锛屼互鍖椾含涓轰緥锛屽寳浜9搴у強浠ヤ笅瀹㈣溅480鍏/骞达紝9搴т互涓婂㈣溅540鍏/骞淬
6.浜ゅ己闄╋細瀹剁敤6搴у強浠ヤ笅950鍏/骞达紝瀹剁敤6搴т互涓1100鍏/骞
7.甯歌勪繚闄╁悎璁★細鐩鍓嶄繚闄╁叕鍙稿钩鍧囨姌鎵ｄ负77%銆
8.杞﹁締鎹熷け闄╋細鐜版捐喘杞︿环鏍济1.2%銆
9.鍏ㄨ溅鐩楁姠闄╋細鏂拌溅璐缃浠访1.0%銆
10.鐜荤拑鍗曠嫭鐮寸庨櫓锛氳繘鍙ｆ柊杞﹁喘缃浠访0.25%锛屽浗浜ф柊杞﹁喘缃浠访0.15%銆
11.鑷鐕冩崯澶遍櫓锛氭柊杞﹁喘缃浠访0.15%銆
12.涓嶈″厤璧旂壒绾﹂櫓锛(杞﹁締鎹熷け闄╃涓夎呰矗浠婚櫓)脳20%銆
13.鏃犺繃璐ｄ换闄╋細绗涓夎呰矗浠婚櫓淇濋櫓璐姑20%銆
14.杞︿笂浜哄憳璐ｄ换闄╋細姣忎汉淇濊垂50鍏冿紝鍙鏍规嵁杞﹁締鐨勫疄闄呭骇浣嶆暟濉鍐欍
姹借溅鎬讳环90000鍏冿紝棣栦粯27000鍏冿紝涓夊勾鏈
閾惰屾湀鍒╂伅鏄0.5025%锛岃捶娆炬婚69027.48鍏冿紝鏈堜緵1917.43鍏
閲戣瀺鍏鍙稿埄鎭0.615%锛岃捶娆炬婚70423.92鍏冿紝鏈堜緵1956.22鍏
楂橀濆埄鎭0.9%锛岃捶娆炬婚74036.52鍏冿紝鏈堜緵2056.57鍏
鍥涖佷笂姹介氱敤閲戣瀺锛岃捶娆惧埄鎭鎬庝箞绠楃殑?涔拌溅璐锋68000锛屼笁骞村埄鎭涓鍏卞氬皯锛
绛夐濇湰鎭娉曪細 璐锋炬湰閲戯細50000鍋囧畾骞村埄鐜囷細4.750%璐锋惧勾闄愶細3骞达細姣忔湀鏈堜緵杩樻炬湰鎭棰濇槸锛 1492.94鍏冦佹昏繕娆鹃噾棰濇槸锛53745.84鍏冦佸叡搴旇繕鍒╂伅锛3745.84鍏冦傜1涓鏈堣繕鍒╂伅涓猴細197.92 锛涚1涓鏈堣繕鏈閲戜负锛1295.02锛涙ゅ悗姣忔湀杩樺埄鎭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达級