{"id":74503,"date":"2014-04-13T05:43:15","date_gmt":"2014-04-13T12:43:15","guid":{"rendered":"http:\/\/old.newsforchinese.com\/v3\/?p=74503"},"modified":"2014-04-11T19:48:58","modified_gmt":"2014-04-12T02:48:58","slug":"%e8%bf%bd%e6%b1%82%e6%88%bf%e5%b1%8b%e7%be%8e%e5%a4%a2%e3%80%81%e6%95%99%e6%82%a8%e5%a6%82%e4%bd%95%e5%b0%91%e4%bb%98%e9%8c%a2","status":"publish","type":"post","link":"https:\/\/newsforchinese.com\/v3\/2014\/04\/13\/%e8%bf%bd%e6%b1%82%e6%88%bf%e5%b1%8b%e7%be%8e%e5%a4%a2%e3%80%81%e6%95%99%e6%82%a8%e5%a6%82%e4%bd%95%e5%b0%91%e4%bb%98%e9%8c%a2\/","title":{"rendered":"\u8ffd\u6c42\u623f\u5c4b\u7f8e\u5922\u3001\u6559\u60a8\u5982\u4f55\u5c11\u4ed8\u9322"},"content":{"rendered":"<p style=\"text-align: left;\" align=\"center\"><span style=\"line-height: 1.5em;\">\u64c1\u6709\u4e00\u5e62\u5c6c\u65bc\u81ea\u5df1\u7684\u5bb6\uff0c\u662f\u8a31\u591a\u65b0\u79fb\u6c11\u5be6\u73fe\u7f8e\u570b\u5922\u7684\u4e00\u90e8\u4efd\uff0c<!--more-->\u800c\u4e14\u662f\u975e\u5e38\u6602\u8cb4\u7684\u4e00\u90e8\u4efd\u3002\u4f46\u662f\u64c1\u6709\u4e00\u5e62\u5c6c\u65bc\u81ea\u5df1\u7684\u623f\u5b50\u4e26\u975e\u5982\u60a8\u60f3\u50cf\u4e2d\u90a3\u9ebc\u96e3\u3002\u5927\u90e8\u5206\u7684\u7f8e\u570b\u4eba\u4ed8\u4e86\u8a31\u591a\u4e0d\u5fc5\u8981\u7684\u9322\u5728\u5730\u7522\u7a05\u3001\u4fdd\u96aa\u8cbb\u3001\u4ee5\u53ca\u623f\u5c4b\u8f49\u79fb\u6642\u7684\u624b\u7e8c\u8cbb\u7528\u3002\u95b1\u8b80\u4e86\u4ee5\u4e0b\u7684\u6587\u7ae0\uff0c\u60a8\u6bcf\u5e74\u4e5f\u8a31\u53ef\u4ee5\u7bc0\u7701$200\u81f3$2,000\u5143\u4e0d\u5fc5\u8981\u7684\u82b1\u8cbb\u3002<\/span><\/p>\n<p><b>\u4e00\u3001\u6e1b\u5c11\u5730\u7522\u7a05<\/b><\/p>\n<p>\u5168\u570b\u7d0d\u7a05\u4eba\u5354\u6703\u4f30\u8a08\uff0c\u5927\u7d04\u670960%\u4ee5\u4e0a\u7684\u5c4b\u4e3b\u9ad8\u4f30\u4e86\u4ed6\u5011\u7684\u623f\u50f9\u800c\u591a\u4ed8\u4e86\u5730\u7522\u7a05\u3002<\/p>\n<p><b>\u539f\u56e0\uff1a<\/b>\u5730\u50f9\u5728\u8a31\u591a\u5dde\u4e0d\u540c\u7684\u57ce\u5e02\u90fd\u6709\u8dcc\u6709\u6f32\u3002\u6b64\u5916\uff0c\u7576\u7e23\u7684\u7a05\u52d9\u6a5f\u95dc\u4e5f\u53ef\u80fd\u5728\u8a55\u4f30\u60a8\u7684\u623f\u7522\u50f9\u503c\u6642\u9ad8\u4f30\u4e86\u623f\u7522\u771f\u6b63\u7684\u50f9\u503c\u3002\u60a8\u53ef\u4ee5\u5411\u7576\u5730\u7684\u4f30\u7a05\u54e1\u7533\u8a34\u3002\u7136\u800c\uff0c\u53ea\u67092%\u7684\u4eba\u9019\u6a23\u505a\u3002\u56e0\u70ba\u5927\u90e8\u5206\u7684\u4eba\u64d4\u5fc3\u4e00\u4f46\u4f30\u7a05\u54e1\u8abf\u67e5\u4e4b\u5f8c\uff0c\u7a05\u91d1\u4e0d\u964d\u53cd\u800c\u4e0a\u6f32\u3002<\/p>\n<p><b>\u4e8b\u5be6\uff1a<\/b>\u60a8\u4e0d\u9700\u8981\u4e00\u4f4d\u5f8b\u5e2b\u66ff\u60a8\u7533\u8a34\u3002\u60a8\u53ea\u9700\u63d0\u51fa\u4e00\u4efd\u8b49\u660e\uff0c\u8b49\u660e\u9130\u5c45\u7684\u5730\u7522\u9762\u7a4d\u548c\u60a8\u5bb6\u5dee\u4e0d\u591a\u5927\u5c0f\uff0c\u800c\u4ed6\u537b\u4ee5\u4f4e\u65bc\u4f30\u7a05\u54e1\u6240\u8a55\u4f30\u7684\u5730\u7522\u50f9\u503c\u51fa\u552e\u3002<\/p>\n<p><b>\u8acb\u6ce8\u610f\uff1a<\/b>\u5730\u7522\u50f9\u503c\u548c\u5e02\u5834\u50f9\u683c\u662f\u4e0d\u540c\u7684\u3002\u60a8\u61c9\u5230\u7576\u5730\u7684\u7a05\u52d9\u6a5f\u95dc\u67e5\u8a62\u5730\u7522\u7a05\u7684\u8a18\u9304\uff0c\u6216\u8005\u8981\u6c42\u7a05\u52d9\u6a5f\u95dc\u90f5\u5bc4\u6216\u5c07\u76f8\u95dc\u8cc7\u6599\u50b3\u771f\u7d66\u60a8\u3002\u5373\u4f7f\u5730\u7522\u50f9\u503c\u6c92\u6709\u6e1b\u5c11\uff0c\u67e5\u8a62\u4e00\u4e0b\u60a8\u7684\u8ca1\u7522\u4f30\u503c\u9084\u662f\u503c\u5f97\u7684\u3002\u56e0\u70ba\u5f88\u591a\u5c4b\u4e3b\u7684\u8ca1\u7522\u90fd\u88ab\u767b\u8a18\u932f\u8aa4\u3002\u5bdf\u770b\u60a8\u7684\u623f\u9593\u6578\u53ca\u623f\u5c4b\u9762\u7a4d\u5927\u5c0f\u53ca\u505c\u8eca\u4f4d\u7684\u6578\u76ee\u662f\u5426\u8a18\u9304\u6b63\u78ba\u3002<\/p>\n<p>\u8a31\u591a\u5730\u65b9\u63d0\u4f9b\u8001\u5e74\u4eba\u7279\u5225\u7684\u6e1b\u7a05\u65b9\u6848\uff0c\u8001\u5e74\u4eba\u53ef\u4ee5\u8ddf\u4f30\u7a05\u54e1\u806f\u7d61\uff0c\u78ba\u5b9a\u4ed6\u5011\u662f\u5426\u6709\u53d7\u5230\u6e1b\u7a05\u7684\u5f85\u9047\u3002<\/p>\n<p>\u5982\u679c\u8981\u907f\u514d\u66f4\u9ad8\u7684\u518d\u8ab2\u7a05\uff0c\u60a8\u53ef\u81f3\u7576\u5730\u7684\u7a05\u52d9\u6a5f\u95dc\u67e5\u770b\u66f4\u6539\u904e\u5f8c\u7684\u5831\u544a\u662f\u5426\u6b63\u78ba\u7684\u767b\u8f09\u60a8\u5730\u7522\u7684\u8cc7\u6599\u3002<\/p>\n<p><b style=\"line-height: 1.5em;\">\u4e8c\uff0e\u52a0\u5feb\u4ed8\u8cb8\u6b3e<\/b><\/p>\n<p>&nbsp;<\/p>\n<p>\u6bcf\u500b\u6708\u4ed8\u8cb8\u6b3e\u6642\uff0c\u60a8\u6700\u597d\u4ed8\u6bd4\u6700\u4f4e\u61c9\u4ed8\u984d\u9084\u9ad8\u7684\u9322\u3002\u5982\u6b64\u4e00\u4f86\uff0c\u5c31\u9577\u671f\u800c\u8a00\uff0c\u60a8\u53ef\u4ee5\u7701\u4e0b\u4e00\u7b46\u9322\uff0c\u56e0\u70ba\u5229\u606f\u662f\u60a8\u81ea\u5df1\u5f97\u5230\u4e86\u800c\u975e\u662f\u8cb8\u6b3e\u7d66\u60a8\u7684\u516c\u53f8\u5f97\u5230\u3002<\/p>\n<p><b style=\"line-height: 1.5em;\">\u5982\u4f55\u52a0\u5feb\u4ed8\u8cb8\u6b3e\u7684\u901f\u5ea6\u5462\uff1f<\/b><\/p>\n<p>&nbsp;<\/p>\n<ol>\n<li>\u6bcf\u5169\u500b\u661f\u671f\u652f\u4ed8\u6bcf\u6708\u61c9\u4ed8\u623f\u8cb8\u7684\u4e00\u534a\u5982\u679c\u60a8\u4f7f\u7528\u9019\u7a2e\u65b9\u6cd5\uff0c\u60a8\u5c07\u6703\u670926\u6b21\u7684\u4ed8\u6b3e\u76f8\u7576\u65bc13\u500b\u6708\u800c\u975e12\u500b\u6708\u3002<\/li>\n<\/ol>\n<p>\u5927\u90e8\u5206\u7684\u8cb8\u6b3e\u516c\u53f8\u4e0d\u6703\u8b93\u60a8\u6bcf\u5169\u500b\u6708\u4ed8\u4e00\u6b21\u8cb8\u6b3e\uff0c\u4f46\u4ed6\u5011\u6703\u8b93\u5ba2\u6236\u4ed8\u591a\u4e00\u9ede\u9322\u3002<\/p>\n<p>\u4ed8\u591a\u4e00\u4e9b\u9322\u5176\u5be6\u662f\u6e1b\u5c11\u60a8\u7684\u8ca0\u64d4\uff1a<\/p>\n<p>\u60a8\u53ef\u4ee5\u5c07\u60a8\u6bcf\u6708\u8cb8\u6b3e\u7684\u9322\uff08\u53bb\u9664\u7a05\u4e4b\u5f8c\uff09\u9664\u4ee512\uff0c\u7136\u5f8c\u628a\u5f97\u5230\u7684\u6578\u76ee\u52a0\u5230\u60a8\u7684\u623f\u5c4b\u8cb8\u6b3e\u4e0a\uff0c\u5982\u6b64\u4e00\u4f86\uff0c\u60a8\u5be6\u969b\u4e0a\u4e00\u5e74\u4ed8\u4e8613\u6b21\u8cb8\u6b3e\uff0c\u800c\u60a830\u5e74\u7684\u8cb8\u6b3e\u9084\u53ef\u4ee5\u572818\u523022\u5e74\u4e4b\u5167\u9084\u5b8c\u3002<\/p>\n<p><b>2. <\/b><b>\u6bcf\u6708\u9810\u5148\u652f\u4ed8\u4e00\u7b46\u9084\u6b3e\u984d<\/b><\/p>\n<p>\u8209\u4f8b\u4f86\u8aaa\uff0c\u5982\u679c\u60a8\u6bcf\u500b\u6708\u90fd\u5148\u4ed8$25\u300230\u5e74\u4e4b\u5f8c\uff0c\u4e00\u500b\u56fa\u5b9a\u8cbb\u73878%\u7684\u623f\u5c4b\u8cb8\u6b3e\u5c07\u53ef\u4ee5\u7701\u4e0b$23,337\u3002\u5982\u679c\u60a8\u6bcf\u6708\u5148\u4ed8$100, \u60a8\u53ef\u4ee5\u7701\u4e0b$62,456,\u3000\u800c\u4e14\u60a8\u53ef\u4ee5\u771f\u6b63\u64c1\u6709\u60a8\u7684\u5c4b\u5b50\u3002\u6bd4\u539f\u5148\u9810\u671f\u7684\u6642\u9593\u5c11\u4e86\u5341\u5e74\u3002<\/p>\n<p><b style=\"line-height: 1.5em;\">3.\u6e1b\u5c11\u4fdd\u96aa\u8cbb<\/b><\/p>\n<p>\u4ee5\u4e0b\u6709\u5e7e\u500b\u65b9\u6cd5\u60a8\u53ef\u7528\u65bc\u6e1b\u5c11\u60a8\u7684\u4fdd\u96aa\u8cbb<\/p>\n<p>*\u5982\u679c\u60a8\u662f\u5411\u540c\u4e00\u500b\u8cb8\u6b3e\u516c\u53f8\u8cfc\u8cb7\u60a8\u7684\u623f\u5c4b\u4fdd\u96aa\uff0c\u60a8\u7684\u4fdd\u96aa\u8cbb\u53ef\u80fd\u5df2\u7d93\u5f88\u9ad8\u3002\u5982\u679c\u60a8\u81ea\u5df1\u53bb\u627e\u4e00\u5bb6\u4fdd\u96aa\u516c\u53f8\uff0c\u6216\u8a31\u60a8\u4ee5\u5f97\u5230\u8f03\u5408\u7406\u7684\u4fdd\u8cbb\u3002\uff08\u8a18\u4f4f\u8ca8\u6bd4\u4e09\u5bb6\u4e0d\u5403\u8667\uff09<\/p>\n<p>&nbsp;<\/p>\n<p>*<b>\u63d0\u9ad8\u60a8\u7684\u81ea\u4ed8\u6b3e\uff08Deductable\uff09<\/b>, \u8209\u4f8b\u4f86\u8aaa\uff0c\u5982\u679c\u60a8\u63d0\u9ad8\u60a8\u7684\u81ea\u4ed8\u6b3e\uff08\u5f9e$250\u63d0\u9ad8\u5230$500\uff09, \u6709\u4e9b\u4fdd\u96aa\u516c\u53f8\u53ef\u80fd\u6bcf\u5e74\u53ef\u4ee5\u7bc0\u770110%\u7684\u4fdd\u96aa\u8cbb\u3002<\/p>\n<p>*\u5982\u679c\u60a8\u73fe\u5728\u7684\u623f\u5c4b\u50f9\u503c\u6bd4\u7576\u521d\u60a8\u8cfc\u8cb7\u6642\u4f4e\uff0c\u60a8\u53ef\u4ee5\u8003\u616e\u964d\u4f4e\u623f\u5c4b\u4fdd\u96aa\u4e2d\u7684\u623f\u5c4b\u91cd\u5efa\u8cbb\uff08replacement cost coverage\uff09\u3002<\/p>\n<p>&nbsp;<\/p>\n<p>*<b>\u4e0d\u4ed8\u4e0d\u5fc5\u8981\u7684<\/b><b>PMI\uff08Private Mortgage Insurance\uff09<\/b>\u3002PMI\u662f\u4fdd\u8b77\u9280\u884c\u7684\u4fdd\u96aa\uff0c\u5982\u679c\u4f60\u4ed8\u4e0d\u51fa\u8cb8\u6b3e\u6642\uff0c\u6709PMI\u9280\u884c\u624d\u4e0d\u6703\u53d7\u5230\u640d\u5931\u3002\u4e00\u822c\u884c\u60c5\uff0c\u5982\u679c\u60a8\u4ee5\u4f4e\u65bc\u5be6\u969b\u623f\u50f920%\u7684\u50f9\u9322\u8cfc\u8cb7\u4e00\u5e62\u623f\u5c4b\uff0c\u6216\u662f\u60a8\u7684\u4fe1\u7528\u5831\u8868\u6709\u7455\u75b5\uff0c\u60a8\u5c31\u5fc5\u9808\u8cfc\u8cb7PMI\u3002\u8cfc\u8cb7PMI\u4e00\u5e74\uff08\u82e5\u4ee5\u60a8\u5411\u9280\u884c\u501f\u8cb8$100,000\u4f86\u8a08\u7b97\uff09\u5927\u7d04\u9700$300\u5230$560 \u6216\u66f4\u591a\u3002\u60a8\u5fc5\u9808\u6ce8\u610f\u4e00\u4e9b\u9677\u9631\uff0c\u5927\u90e8\u5206\u7684\u5c4b\u4e3b\u4ed8\u4e00\u5927\u7b46\u4e0d\u5fc5\u8981\u7684PMI\u3002\u901a\u5e38\u662f\u56e0\u70ba\uff0c\u60a8\u5c45\u4f4f\u5730\u5340\u7684\u623f\u50f9\u6700\u8fd1\u525b\u4e0a\u6f32; 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style=\"line-height: 1.5em;\">\u8acb\u6ce8\u610f\uff1a\u5728\u623f\u50f9\u75b2\u8edf\u7684\u5730\u5340\uff0c\u8cb8\u6b3e\u516c\u53f8\u53ef\u80fd\u6703\u5728\u4e00\u958b\u59cb\u5c31\u5c07\u623f\u50f9\u63d0\u9ad825%\u3002<\/span><\/p>\n<p>*\u5f9e\u60a8\u7684Escrow\/Impound \u4e2d\u5f97\u5230\u9000\u6b3e\u6216\u964d\u4f4e\u6bcf\u500b\u6708\u4ed8\u6b3e\u7684\u8cbb\u7528\u3002Escrow\/ Impound account \u662f\u8cb8\u6b3e\u516c\u53f8\u5206\u958b\u7684\u53e6\u4e00\u500b\u8cec\u6236\u3002\u60a8\u6240\u4ed8\u7684\u5730\u7522\u7a05\u6bcf\u500b\u6708\u90fd\u6703\u5230\u9019\u500b\u5e33\u6236\u4e2d\u3002<\/p>\n<p><b style=\"line-height: 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&quot;\u7406\u8ca1\u6295\u8cc7&quot;","block_context":{"text":"\u7406\u8ca1\u6295\u8cc7","link":"https:\/\/newsforchinese.com\/v3\/category\/money\/"},"img":{"alt_text":"title","src":"https:\/\/i0.wp.com\/old.newsforchinese.com\/v3\/wp-content\/uploads\/2013\/02\/title.jpg?resize=350%2C200","width":350,"height":200},"classes":[]},{"id":16969,"url":"https:\/\/newsforchinese.com\/v3\/2011\/05\/25\/hsa\/","url_meta":{"origin":74503,"position":1},"title":"\u4ec0\u9ebc\u662f\u5065\u5eb7\u5132\u84c4\u5e33\u6236(HSA)?","author":"Raymond","date":"May 25, 2011","format":false,"excerpt":"\u57f7\u7167\u7406\u8ca1\u5c08\u5bb6 \/ \u9673\u517c\u6176 \u5065\u5eb7\u5132\u84c4\u5e33\u6236(HSA) Health Savings 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Escrow 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\u6839\u64da\u52a0\u5dde\u6cd5\u5f8b\uff0c\u9664\u4e86\u4e00\u4e9b\u7279\u5225\u7684\u72c0\u51b5\u5916\uff0c\u4e00\u822c\u7684\u79c1\u4eba\u8cb8\u6b3e\u6240\u6536\u7684\u5229\u606f\u3002\u6bcf\u5e74\u4e0d\u80fd\u8d85\u904e10%.\u8868\u9762\u4e0a\u770b\u8d77\u4f86\uff0c\u9019\u7b2c\u4e8c\u8cb8\u6b3e\u6240\u6536\u7684\u5229\u606f\u662f\u4e0d\u5408\u6cd5\u7684\uff0c\u6309\u7167\u52a0\u5dde\u6cd5\u5f8b\uff0c\u4e0d\u5408fa\u7684\u5229\u606f\u90fd\u53ef\u4ee5\u4e00\u6982\u64a4\u6d88\uff0c\u8ce3\u65b9\u53ea\u6b20\u5979\u597d\u53cb\u672c\u91d1\u800c\u5df2\u3002\u60a8\u6216\u8a31\u53ef\u4ee5\u8acb\u5f8b\u5e2b\u70ba\u8ce3\u65b9\u8207\u5176\u597d\u53cb\u5354\u5546\u4ee5\u8aaa\u670d\u4ed6\u653e\u68c4\u8a72\u4e0d\u5408\u6cd5\u7684\u5229\u606f\uff0c\u9019\u9ebc\u4e00\u4f86\u8ce3\u4e3b\u5c31\u4e0d\u9808\u638f\u8170\u5305\u4f86Close Escrow \u4e86\u3002 \u5047\u82e5\u7121\u6cd5\u8aaa\u670d\u4ed6\u653e\u68c4\u5229\u606f\uff0c\u53e6\u4e00\u500b\u8fa6\u6cd5\u5c31\u662f\u8cfc\u8cb7Bond\u4f86\u91cb\u653e\u8a72\u62b5\u62bc\u66f8\uff0c\u4fdd\u8cbb\u5927\u7d04\u662f\u516d\u5343\u5143\u3002\u4e00\u65e6\u91cb\u653e\u4e86\u9019\u7b2c\u4e8c\u8cb8\u6b3e\uff0c\u8ce3\u65b9\u5c31\u4e0d\u9808\u638f\u8170\u5305\u4f86Close Escrow,\u4f46\u662f\u96d9\u65b9\u5fc5\u9808\u984d\u5916\u7c3d\u7d04\u6216\u88dcEscrow Instruction 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