[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"detail-JP2021102213511606138":3,"related-JP2021102213511606138":32},{"pageSize":4,"id":5,"productLine":6,"status":7,"articleCode":8,"articleType":9,"showStyle":7,"mediaType":10,"fileInputUrl":11,"articleTitle":12,"coverImage":13,"listImage":14,"introduction":15,"description":16,"nonVipDescription":11,"postTime":17,"viewTime":17,"sortNumber":18,"isFree":19,"isShowList":7,"isRecommend":19,"linkType":7,"isOriginal":6,"hasMiniUrl":19,"hasAdvertising":19,"createBy":20,"updateBy":20,"createTime":21,"visitCount":22,"isLiked":19,"realSearch":23,"isRead":19,"productId":24,"isCollected":19,"collectCount":25,"vipExclusive":19,"allowComment":7,"style":26,"canCopy":19,"likeCount":27,"duration":19,"playStyle":7,"seoKeywords":11,"articleModuleVoList":28,"extendContentList":29,"noteCount":4,"categoryList":30,"dailyKeywordList":31},10,3801,"1",1,"JP2021102213511606138","1041018",3,"","辛苦攒下的钱，该买房还是投资？","https:\u002F\u002Fimage.jane7.com\u002F7737c6df-dccb-4107-b736-29d1c8e12d19.png","https:\u002F\u002Fimage.jane7.com\u002Ff56e87a8-aa7e-46a8-ae56-a1ce7b0399e4.png","和你分享两个真实案例","\u003Csection>\n \u003Csection>\n  \u003Csection>\n   \u003Cp style=\"text-align:justify;margin: 0pt 16px; white-space: normal; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(73, 73, 73); font-size: 11pt; letter-spacing: 1px; caret-color: rgb(51, 51, 51); background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: Optima-Regular, PingFangTC-light;\">\u003Cspan style=\"color: rgb(0, 0, 0); font-size: 16px; text-align: left; font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Apple Color Emoji", "Emoji Symbols Font", "Segoe UI Symbol", Arial, sans-serif;\">有了一笔钱，投资会有投资回报，买房付首付会背上一笔贷款。应该怎么选呢？或者，应该拿多少钱去付首付更好呢？\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n   \u003Cp style=\"text-align:justify;margin: 0pt 16px; white-space: normal; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(73, 73, 73); font-size: 11pt; letter-spacing: 1px; caret-color: rgb(51, 51, 51); background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: Optima-Regular, PingFangTC-light;\">\u003Cbr>\u003C\u002Fp>\n   \u003Cp style=\"text-align:justify;margin: 0pt 16px; white-space: normal; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(73, 73, 73); font-size: 11pt; letter-spacing: 1px; caret-color: rgb(51, 51, 51); background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: Optima-Regular, PingFangTC-light;\">\u003Cspan style=\"font-size: 16px; text-align: left; color: rgb(0, 0, 0); font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Apple Color Emoji", "Emoji Symbols Font", "Segoe UI Symbol", Arial, sans-serif;\">别说，这类问题最近常被提起，可能因为市场的波动，有人恐惧，但也让部分人嗅到了投资的机会。\u003C\u002Fspan>\u003C\u002Fp>\n   \u003Cp style=\"text-align:justify;margin: 0pt 16px; white-space: normal; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(73, 73, 73); font-size: 11pt; letter-spacing: 1px; caret-color: rgb(51, 51, 51); background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: Optima-Regular, PingFangTC-light;\">\u003Cbr>\u003C\u002Fp>\n   \u003Cp style=\"text-align:justify;margin: 0pt 16px; white-space: normal; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(73, 73, 73); font-size: 11pt; letter-spacing: 1px; caret-color: rgb(51, 51, 51); background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: Optima-Regular, PingFangTC-light;\">\u003Cspan style=\"font-size: 16px; text-align: left; color: rgb(0, 0, 0); font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Apple Color Emoji", "Emoji Symbols Font", "Segoe UI Symbol", Arial, sans-serif;\">那到底如何选呢？先说我的结论：\u003C\u002Fspan>\u003C\u002Fp>\n   \u003Cp style=\"text-align:justify;margin: 0pt 16px; white-space: normal; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(73, 73, 73); font-size: 11pt; letter-spacing: 1px; caret-color: rgb(51, 51, 51); background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: Optima-Regular, PingFangTC-light;\">\u003Cbr>\u003C\u002Fp>\n   \u003Cp style=\"text-align:justify;margin: 0pt 16px; white-space: normal; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(73, 73, 73); font-size: 11pt; letter-spacing: 1px; caret-color: rgb(51, 51, 51); background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: Optima-Regular, PingFangTC-light;\">\u003Cspan style=\"color: #000000;\">\u003Cstrong>\u003Cspan style=\"color: rgb(0, 0, 0); font-size: 16px; text-align: left; font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Apple Color Emoji", "Emoji Symbols Font", "Segoe UI Symbol", Arial, sans-serif;\">从需求出发，如果这笔钱，是确定3年之内要买刚需自住房的，就别拿去高风险市场上冒险了；但如果在最低首付以外还有闲钱，再另说。\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n   \u003Cp style=\"text-align:justify;margin: 0pt 16px; white-space: normal; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(73, 73, 73); font-size: 11pt; letter-spacing: 1px; caret-color: rgb(51, 51, 51); background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: Optima-Regular, PingFangTC-light;\">\u003Cbr>\u003C\u002Fp>\n   \u003Cp style=\"text-align:justify;margin: 0pt 16px; white-space: normal; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(73, 73, 73); font-size: 11pt; letter-spacing: 1px; caret-color: rgb(51, 51, 51); background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: Optima-Regular, PingFangTC-light;\">\u003Cspan style=\"font-size: 16px; text-align: left; color: rgb(0, 0, 0); font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Apple Color Emoji", "Emoji Symbols Font", "Segoe UI Symbol", Arial, sans-serif;\">在具体分析前，先分享两个真实案例。\u003C\u002Fspan>\u003C\u002Fp>\n   \u003Cp style=\"text-align:justify;margin: 0pt 16px; white-space: normal; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(73, 73, 73); font-size: 11pt; letter-spacing: 1px; caret-color: rgb(51, 51, 51); background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: Optima-Regular, PingFangTC-light;\">\u003Cbr>\u003C\u002Fp>\n   \u003Cp style=\"text-align:justify;margin: 0pt 16px; white-space: normal; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(73, 73, 73); font-size: 11pt; letter-spacing: 1px; caret-color: rgb(51, 51, 51); background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: Optima-Regular, PingFangTC-light;\">\u003Cspan style=\"color: #000000;\">\u003Cstrong>\u003Cspan style=\"color: rgb(0, 0, 0); text-align: left; font-size: 20px; font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Apple Color Emoji", "Emoji Symbols Font", "Segoe UI Symbol", Arial, sans-serif;\">01\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n   \u003Cp style=\"text-align:left; margin: 0pt 16px; white-space: normal; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; font-size: 11pt; letter-spacing: 1px; caret-color: rgb(51, 51, 51); background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: Optima-Regular, PingFangTC-light;\">\u003Cspan style=\"font-size: 16px; text-align: left; color: rgb(0, 0, 0); font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Apple Color Emoji", "Emoji Symbols Font", "Segoe UI Symbol", Arial, sans-serif;\">第一位朋友A先生。夫妻两人一直想在上海买房，到去年10月攒了65万，可选择的余地不大。\u003C\u002Fspan>\u003C\u002Fp>\n   \u003Cp style=\"text-align:left; margin: 0pt 16px; white-space: normal; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; font-size: 11pt; letter-spacing: 1px; caret-color: rgb(51, 51, 51); background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: Optima-Regular, PingFangTC-light;\">\u003Cbr>\u003C\u002Fp>\n   \u003Cp style=\"text-align:left; margin: 0pt 16px; white-space: normal; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; font-size: 11pt; letter-spacing: 1px; caret-color: rgb(51, 51, 51); background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: Optima-Regular, PingFangTC-light;\">\u003Cspan style=\"font-size: 16px; font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Apple Color Emoji", "Emoji Symbols Font", "Segoe UI Symbol", Arial, sans-serif;\">A先生是金融科班出身，又在银行工作，之前定投的基金收益不错，就想着搏一把加大投入。\u003C\u002Fspan>\u003C\u002Fp>\n   \u003Cp style=\"text-align:left; margin: 0pt 16px; white-space: normal; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; font-size: 11pt; letter-spacing: 1px; caret-color: rgb(51, 51, 51); background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: Optima-Regular, PingFangTC-light;\">\u003Cbr>\u003C\u002Fp>\n   \u003Cp style=\"text-align:left; margin: 0pt 16px; white-space: normal; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; font-size: 11pt; letter-spacing: 1px; caret-color: rgb(51, 51, 51); background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: Optima-Regular, PingFangTC-light;\">\u003Cspan style=\"font-size: 16px; font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Apple Color Emoji", "Emoji Symbols Font", "Segoe UI Symbol", Arial, sans-serif;\">拿了30万出来投入之外，每个月又增加了5000的定投，希望能尽快攒够100万首付。\u003C\u002Fspan>\u003C\u002Fp>\n   \u003Cp style=\"text-align:left; margin: 0pt 16px; white-space: normal; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; font-size: 11pt; letter-spacing: 1px; caret-color: rgb(51, 51, 51); background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: Optima-Regular, PingFangTC-light;\">\u003Cbr>\u003C\u002Fp>\n   \u003Cp style=\"text-align:left; margin: 0pt 16px; white-space: normal; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; font-size: 11pt; letter-spacing: 1px; caret-color: rgb(51, 51, 51); background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: Optima-Regular, PingFangTC-light;\">\u003Cspan style=\"font-size: 16px; font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Apple Color Emoji", "Emoji Symbols Font", "Segoe UI Symbol", Arial, sans-serif;\">年后，这过山车般的行情，让他乱了阵脚。\u003C\u002Fspan>\u003C\u002Fp>\n   \u003Cp style=\"text-align:left; margin: 0pt 16px; white-space: normal; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; font-size: 11pt; letter-spacing: 1px; caret-color: rgb(51, 51, 51); background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: Optima-Regular, PingFangTC-light;\">\u003Cbr>\u003C\u002Fp>\n   \u003Cp style=\"text-align:left; margin: 0pt 16px; white-space: normal; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; font-size: 11pt; letter-spacing: 1px; caret-color: rgb(51, 51, 51); background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: Optima-Regular, PingFangTC-light;\">\u003Cspan style=\"font-size: 16px; font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Apple Color Emoji", "Emoji Symbols Font", "Segoe UI Symbol", Arial, sans-serif;\">眼看之前的浮盈逐渐被抹平，他忍不住想补仓拉低一下平均成本，一冲动把剩下35万也投了进去。到现在，账上还浮亏几万。\u003C\u002Fspan>\u003C\u002Fp>\n   \u003Cp style=\"text-align:left; margin: 0pt 16px; white-space: normal; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; font-size: 11pt; letter-spacing: 1px; caret-color: rgb(51, 51, 51); background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: Optima-Regular, PingFangTC-light;\">\u003Cbr>\u003C\u002Fp>\n   \u003Cp style=\"text-align:left; margin: 0pt 16px; white-space: normal; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; font-size: 11pt; letter-spacing: 1px; caret-color: rgb(51, 51, 51); background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: Optima-Regular, PingFangTC-light;\">\u003Cspan style=\"font-size: 16px; font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Apple Color Emoji", "Emoji Symbols Font", "Segoe UI Symbol", Arial, sans-serif;\">他跟我反思说，\u003C\u002Fspan>\u003Cstrong style=\"font-size: 16px; font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Apple Color Emoji", "Emoji Symbols Font", "Segoe UI Symbol", Arial, sans-serif;\">这是拿错误的钱，在错误的时点，投资了正确的品种。\u003C\u002Fstrong>\u003C\u002Fp>\n   \u003Cp>\u003Cbr>\u003C\u002Fp>\n   \u003Cp style=\"margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cspan style=\"font-size: 20px;\">\u003Cstrong>02\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n   \u003Cp style=\"margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cspan style=\"font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Apple Color Emoji", "Emoji Symbols Font", "Segoe UI Symbol", Arial, sans-serif;\">另一位朋友B小姐。在二线城市做销售，去年年底就攒够了首付款，开始看房。\u003C\u002Fspan>\u003C\u002Fp>\n   \u003Cp style=\"margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n   \u003Cp style=\"margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cspan style=\"font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Apple Color Emoji", "Emoji Symbols Font", "Segoe UI Symbol", Arial, sans-serif;\">选中一套心仪的房子之后，发现自己手上的钱够付五成了。\u003C\u002Fspan>\u003C\u002Fp>\n   \u003Cp style=\"margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n   \u003Cp style=\"margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cspan style=\"font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Apple Color Emoji", "Emoji Symbols Font", "Segoe UI Symbol", Arial, sans-serif;\">她有些纠结：到底是付5成首付，减轻月供压力呢？还是按首套房规矩，付3成呢？\u003C\u002Fspan>\u003C\u002Fp>\n   \u003Cp style=\"margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n   \u003Cp style=\"margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cspan style=\"font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Apple Color Emoji", "Emoji Symbols Font", "Segoe UI Symbol", Arial, sans-serif;\">她跟我讨论了一下，最后决定选中3成首付。\u003C\u002Fspan>\u003C\u002Fp>\n   \u003Cp>\u003Cbr>\u003C\u002Fp>\n   \u003Cp style=\"margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; font-size: 16px; text-align: left; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Apple Color Emoji", "Emoji Symbols Font", "Segoe UI Symbol", Arial, sans-serif;\">一来，首套房的机会不要浪费；二来，\u003Cstrong>买房之后还是得给自己留点现金。\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n   \u003Cp>\u003Cbr>\u003C\u002Fp>\n   \u003Cp style=\"margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cspan style=\"font-size: 16px; font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Apple Color Emoji", "Emoji Symbols Font", "Segoe UI Symbol", Arial, sans-serif;\">她把余下那两成没付出去的首付款，投入到了比较稳健的纯债基金当中。\u003C\u002Fspan>\u003C\u002Fp>\n   \u003Cp style=\"margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n   \u003Cp style=\"margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cspan style=\"font-size: 20px;\">\u003Cstrong>03\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n   \u003Cp style=\"margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cspan style=\"font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Apple Color Emoji", "Emoji Symbols Font", "Segoe UI Symbol", Arial, sans-serif;\">你可以对比下自己的情况，属于哪一种：\u003C\u002Fspan>\u003C\u002Fp>\n   \u003Cp style=\"margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n   \u003Cp style=\"margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cspan style=\"font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Apple Color Emoji", "Emoji Symbols Font", "Segoe UI Symbol", Arial, sans-serif;\">一种，是像A先生那样，首付都还差点的。\u003C\u002Fspan>\u003C\u002Fp>\n   \u003Cp>\u003Cbr>\u003C\u002Fp>\n   \u003Cp style=\"margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cstrong>\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; font-size: 16px; text-align: left; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Apple Color Emoji", "Emoji Symbols Font", "Segoe UI Symbol", Arial, sans-serif;\">那答案只有一个，就是不要“赌”。\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fp>\n   \u003Cp style=\"margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n   \u003Cp style=\"margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cspan style=\"font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Apple Color Emoji", "Emoji Symbols Font", "Segoe UI Symbol", Arial, sans-serif;\">虽然他暂时还没有确切的买房时间，目前的情况只能等。但不妨试想一下：\u003C\u002Fspan>\u003C\u002Fp>\n   \u003Cp style=\"margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n   \u003Cp style=\"margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cspan style=\"font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Apple Color Emoji", "Emoji Symbols Font", "Segoe UI Symbol", Arial, sans-serif;\">之后生孩子、赡养父母等日程提上来，对自住\u002F改善房需求更迫切时，股市依旧低迷，该怎么办？\u003C\u002Fspan>\u003C\u002Fp>\n   \u003Cp style=\"margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n   \u003Cp style=\"margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cstrong>\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Apple Color Emoji", "Emoji Symbols Font", "Segoe UI Symbol", Arial, sans-serif;\">当主动投资变成被动卖出，恐怕大概率是割肉退场了。\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fp>\n   \u003Cp style=\"margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n   \u003Cp style=\"margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cspan style=\"font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Apple Color Emoji", "Emoji Symbols Font", "Segoe UI Symbol", Arial, sans-serif;\">另一种，就像B小姐这样，首付已经足够。那多出来的钱，是多付首付，还是用于投资呢？\u003C\u002Fspan>\u003C\u002Fp>\n   \u003Cp style=\"margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n   \u003Cp style=\"margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cspan style=\"font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Apple Color Emoji", "Emoji Symbols Font", "Segoe UI Symbol", Arial, sans-serif;\">这种情况，可以从以下3个角度判断。\u003C\u002Fspan>\u003C\u002Fp>\n   \u003Cp style=\"margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n   \u003Cp style=\"margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cstrong>\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Apple Color Emoji", "Emoji Symbols Font", "Segoe UI Symbol", Arial, sans-serif;\">1）从收益角度看，分析自己的投资能力，长期能不能跑赢房贷利率。\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fp>\n   \u003Cp style=\"margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n   \u003Cp style=\"margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cspan style=\"font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Apple Color Emoji", "Emoji Symbols Font", "Segoe UI Symbol", Arial, sans-serif;\">如果可以，那不妨选择像B小姐那样，拿多出来的钱做投资。\u003C\u002Fspan>\u003C\u002Fp>\n   \u003Cp style=\"margin-left: 16px; margin-right: 16px;\">\u003Cbr>\u003C\u002Fp>\n   \u003Cp style=\"margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cspan style=\"font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Apple Color Emoji", "Emoji Symbols Font", "Segoe UI Symbol", Arial, sans-serif;\">这样，既能享受首套房的低首付比例，和相对低廉的贷款利率，还能利用自己的投资多赚一点利息钱，不亏。\u003C\u002Fspan>\u003C\u002Fp>\n   \u003Cp style=\"margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cspan style=\"font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Apple Color Emoji", "Emoji Symbols Font", "Segoe UI Symbol", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n   \u003Cp style=\"margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cspan style=\"font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Apple Color Emoji", "Emoji Symbols Font", "Segoe UI Symbol", Arial, sans-serif;\">但我也遇到很多朋友，钱都集中在余额宝一类的货币基金，每年不到3%的收益率，那多付点首付也无所谓了。\u003C\u002Fspan>\u003C\u002Fp>\n   \u003Cp style=\"margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cstrong>\u003Cspan style=\"font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Apple Color Emoji", "Emoji Symbols Font", "Segoe UI Symbol", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fp>\n   \u003Cp style=\"margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cstrong>\u003Cspan style=\"font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Apple Color Emoji", "Emoji Symbols Font", "Segoe UI Symbol", Arial, sans-serif;\">2）从个人偏好看，你对于负债的态度，以及实际月供的压力。\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fp>\n   \u003Cp style=\"margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cspan style=\"font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Apple Color Emoji", "Emoji Symbols Font", "Segoe UI Symbol", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n   \u003Cp style=\"margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cspan style=\"font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Apple Color Emoji", "Emoji Symbols Font", "Segoe UI Symbol", Arial, sans-serif;\">我身边，就有几个从没用过信用卡、花呗的朋友。\u003C\u002Fspan>\u003C\u002Fp>\n   \u003Cp style=\"margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cspan style=\"font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Apple Color Emoji", "Emoji Symbols Font", "Segoe UI Symbol", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n   \u003Cp style=\"margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cspan style=\"font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Apple Color Emoji", "Emoji Symbols Font", "Segoe UI Symbol", Arial, sans-serif;\">在他们眼中，借钱是个危险的行为，每月偿还账单，哪怕是免息的，也会造成财务的不安全感。\u003C\u002Fspan>\u003C\u002Fp>\n   \u003Cp style=\"margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cspan style=\"font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Apple Color Emoji", "Emoji Symbols Font", "Segoe UI Symbol", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n   \u003Cp style=\"margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; font-size: 16px; text-align: left; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Apple Color Emoji", "Emoji Symbols Font", "Segoe UI Symbol", Arial, sans-serif;\">另外，还有一些情况，是自身月入不高，偿贷能力有限的。\u003C\u002Fspan>\u003C\u002Fp>\n   \u003Cp style=\"margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; font-size: 16px; text-align: left; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Apple Color Emoji", "Emoji Symbols Font", "Segoe UI Symbol", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n   \u003Cp style=\"margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; font-size: 16px; text-align: left; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Apple Color Emoji", "Emoji Symbols Font", "Segoe UI Symbol", Arial, sans-serif;\">这2种情况下，适当抬高首付款的支付比例，降低月供压力，比如让月供不超过收入的50%，也是合理的选择。\u003C\u002Fspan>\u003C\u002Fp>\n   \u003Cp style=\"margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; font-size: 16px; text-align: left; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Apple Color Emoji", "Emoji Symbols Font", "Segoe UI Symbol", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n   \u003Cp style=\"margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cstrong>\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; font-size: 16px; text-align: left; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Apple Color Emoji", "Emoji Symbols Font", "Segoe UI Symbol", Arial, sans-serif;\">3）\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cstrong>\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; font-size: 16px; text-align: left; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Apple Color Emoji", "Emoji Symbols Font", "Segoe UI Symbol", Arial, sans-serif;\">从机会成本看，结合个人\u002F家庭后续理财生命周期考虑。\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fp>\n   \u003Cp style=\"margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cstrong>\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; font-size: 16px; text-align: left; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Apple Color Emoji", "Emoji Symbols Font", "Segoe UI Symbol", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fp>\n   \u003Cp style=\"margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; font-size: 16px; text-align: left; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Apple Color Emoji", "Emoji Symbols Font", "Segoe UI Symbol", Arial, sans-serif;\">其实，房贷对普通人来说，可能是此生能借到的，利率最低的一笔大钱了。\u003C\u002Fspan>\u003C\u002Fp>\n   \u003Cp style=\"margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; font-size: 16px; text-align: left; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Apple Color Emoji", "Emoji Symbols Font", "Segoe UI Symbol", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n   \u003Cp style=\"margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; font-size: 16px; text-align: left; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Apple Color Emoji", "Emoji Symbols Font", "Segoe UI Symbol", Arial, sans-serif;\">尤其是首套房的商业贷款利率，一般不会超过6%，如果能组合公积金贷款，那实际利率会更低。\u003C\u002Fspan>\u003C\u002Fp>\n   \u003Cp style=\"margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cspan style=\"font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Apple Color Emoji", "Emoji Symbols Font", "Segoe UI Symbol", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n   \u003Cp style=\"margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cspan style=\"font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Apple Color Emoji", "Emoji Symbols Font", "Segoe UI Symbol", Arial, sans-serif;\">对普通家庭来说，买首套刚需房后，往往还连接着结婚、生子等一系列重大计划，每一个背后都是大额的支出。\u003C\u002Fspan>\u003C\u002Fp>\n   \u003Cp style=\"margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cspan style=\"font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Apple Color Emoji", "Emoji Symbols Font", "Segoe UI Symbol", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n   \u003Cp style=\"margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cspan style=\"font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Apple Color Emoji", "Emoji Symbols Font", "Segoe UI Symbol", Arial, sans-serif;\">在这种经济压力比较大的情况下，享受低利率贷款的同时，多留一点可支配资金在手上，会更合理。\u003C\u002Fspan>\u003C\u002Fp>\n   \u003Cp style=\"margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cspan style=\"font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Apple Color Emoji", "Emoji Symbols Font", "Segoe UI Symbol", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n   \u003Cp style=\"margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cspan style=\"font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Apple Color Emoji", "Emoji Symbols Font", "Segoe UI Symbol", Arial, sans-serif;\">最后，多说一句。\u003C\u002Fspan>\u003C\u002Fp>\n   \u003Cp style=\"margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cspan style=\"font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Apple Color Emoji", "Emoji Symbols Font", "Segoe UI Symbol", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n   \u003Cp style=\"margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cspan style=\"font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Apple Color Emoji", "Emoji Symbols Font", "Segoe UI Symbol", Arial, sans-serif;\">虽然我们身处于不同人生阶段，也有着不同的职业和家庭背景，但在面对重大选择的时候，其实思考逻辑是相似的——\u003C\u002Fspan>\u003C\u002Fp>\n   \u003Cp style=\"margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cspan style=\"font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Apple Color Emoji", "Emoji Symbols Font", "Segoe UI Symbol", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n   \u003Cp style=\"margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cstrong>\u003Cspan style=\"font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Apple Color Emoji", "Emoji Symbols Font", "Segoe UI Symbol", Arial, sans-serif;\">优先满足刚性需求，在资金有余裕的情况下，考虑更长期的收益。\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fp>\n   \u003Cp>\u003Cbr>\u003C\u002Fp>\n   \u003Cp style=\"margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; font-size: 16px; text-align: left; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Apple Color Emoji", "Emoji Symbols Font", "Segoe UI Symbol", Arial, sans-serif;\">这既能合理安排现金流，利用投资技巧为自己加分，也能配合人生的节奏。\u003C\u002Fspan>\u003C\u002Fp>\n   \u003Cp>\u003Cbr>\u003C\u002Fp>\n   \u003Cp style=\"margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; font-size: 16px; text-align: left; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Apple Color Emoji", "Emoji Symbols Font", "Segoe UI Symbol", Arial, sans-serif;\">希望对你的投资决策有启发。另外，记得文末给我点个赞哦～\u003C\u002Fspan>\u003C\u002Fp>\n  \u003C\u002Fsection>\n \u003C\u002Fsection>\n\u003C\u002Fsection>","2021-10-23 06:25:00",100,0,"zhanglizi@jane7.com","2021-10-22 13:51:16",537,false,10398,8,"1038002",23,[],[],[],[],[33,45,54,63],{"pageSize":4,"articleWikiId":34,"wikiName":35,"articleCode":36,"locationType":37,"sortNumber":38,"articleTitle":39,"introduction":40,"coverImage":41,"likeCount":19,"realSearch":23,"createTime":42,"seoUrl":43,"seoKeywords":44},99,"买房租房","JP2020051516221614610",2,20200515,"住房公积金除了买房，还有哪些用途？","目前不打算买房，我的住房公积金是继续存着好，还是取出来更划算...","https:\u002F\u002Fimage.jane7.com\u002F9b7c7d37-dded-4f0e-8177-acefd1c04a88.png","2020-05-15 16:22:16","https:\u002F\u002Fwww.jane7.com\u002Farticle-financing-JP2020051516221614610-99.html","公积金,房贷",{"pageSize":4,"articleWikiId":34,"wikiName":35,"articleCode":46,"locationType":37,"sortNumber":47,"articleTitle":48,"introduction":49,"coverImage":50,"likeCount":7,"realSearch":23,"createTime":51,"seoUrl":52,"seoKeywords":53},"JP2020071316581016440",20200713,"租房时如何避免被坑？13个技巧和法律常识","特意采访了一些租房达人和靠谱中介，整理了13条实在技巧和法律常识，分享给你~","https:\u002F\u002Fimage.jane7.com\u002Ff196aa88-9271-4aaf-9ef3-4075062b65b6.png","2020-07-13 16:58:10","https:\u002F\u002Fwww.jane7.com\u002Farticle-financing-JP2020071316581016440-99.html","财商",{"pageSize":4,"articleWikiId":34,"wikiName":35,"articleCode":55,"locationType":37,"sortNumber":56,"articleTitle":57,"introduction":58,"coverImage":59,"likeCount":19,"realSearch":23,"createTime":60,"seoUrl":61,"seoKeywords":62},"JP2020051115202330245",20200511,"单身女性，要不要买房？送你一张「买房首付行动清单」","“男方负责买房，女方负责买车”的时代已经逐渐过去了，现在大城市里的单身女性们，也都争相买房。","https:\u002F\u002Fimage.jane7.com\u002Fc41effe2-bb75-4be3-ab6a-98e23d5a4929.png","2020-05-11 15:20:23","https:\u002F\u002Fwww.jane7.com\u002Farticle-financing-JP2020051115202330245-99.html","买房,单身女性,单身,首付",{"pageSize":4,"articleWikiId":34,"wikiName":35,"articleCode":64,"locationType":37,"sortNumber":65,"articleTitle":66,"introduction":67,"coverImage":68,"likeCount":19,"realSearch":23,"createTime":69,"seoUrl":70,"seoKeywords":71},"JP2020051318215467869",20200513,"如果把房贷利率转换为LPR利率，一年能省多少钱？","房贷利率转换为LPR利率，一年能省多少钱？","https:\u002F\u002Fimage.jane7.com\u002F25a15b3d-9b4b-4c1d-beec-200bdc16342e.png","2020-05-13 18:21:54","https:\u002F\u002Fwww.jane7.com\u002Farticle-financing-JP2020051318215467869-99.html","LPR,房贷"]