[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"detail-JP2021113010141917147":3,"related-JP2021113010141917147":33},{"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":18,"sortNumber":19,"isFree":20,"isShowList":7,"isRecommend":20,"linkType":7,"isOriginal":6,"hasMiniUrl":20,"hasAdvertising":20,"createBy":21,"updateBy":21,"createTime":22,"visitCount":23,"isLiked":20,"realSearch":24,"isRead":20,"productId":25,"isCollected":20,"collectCount":4,"vipExclusive":20,"allowComment":7,"style":26,"canCopy":20,"likeCount":27,"duration":20,"playStyle":7,"seoKeywords":11,"articleModuleVoList":28,"extendContentList":29,"noteCount":30,"categoryList":31,"dailyKeywordList":32},10,3926,"1",1,"JP2021113010141917147","1041018",3,"","有了30万，先买房还是先买车？","https:\u002F\u002Fimage.jane7.com\u002F908d7713-956e-42af-bb39-8cab988e2d9f.png","https:\u002F\u002Fimage.jane7.com\u002F931c747f-d603-4208-b307-546592b50100.png","一些简单的分析，供你参考","\u003Csection>\n \u003Cp style=\"text-align:justify;vertical-align:inherit;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 1px; font-size: 16px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">前段时间，收到@圆菜头的提问：\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"text-align:justify;vertical-align:inherit;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"text-align:justify;vertical-align:inherit;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"font-size: 16px; color: rgb(127, 127, 127);\">\u003Cem>\u003Cspan style=\"font-size: 16px; letter-spacing: 1px; caret-color: red; font-family: arial, helvetica, sans-serif;\">现在手头攒了笔小钱，大概有30万。从毕业以来，一直想买辆车，和几个好朋友也做了自驾出去玩的计划。但最近感觉身边买房的朋友越来越多，又有点犹豫了，不知道是不是应该先付个首付。但钱一花出去，估计买车又悬了 —— 毕竟是我多年的梦想！\u003C\u002Fspan>\u003C\u002Fem>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"text-align:justify;vertical-align:inherit;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"text-align:justify;vertical-align:inherit;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 1px; font-size: 16px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">不知道你对这个事情怎么看呢？欢迎留言一起聊聊~\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"text-align:justify;vertical-align:inherit;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"text-align:justify;vertical-align:inherit;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 1px; font-size: 16px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">其实不管买房还是买车，都不是个小决策，在这里做一些简单的分析，供参考。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"text-align:justify;vertical-align:inherit;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"text-align:justify;vertical-align:inherit;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"color: rgb(0, 0, 0); font-size: 20px; font-family: arial, helvetica, sans-serif;\">\u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">01\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003Cspan style=\"font-size: 16px; color: rgb(0, 0, 0); font-family: arial, helvetica, sans-serif;\">\u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; font-size: 16px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"text-align:justify;vertical-align:inherit;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"text-align:justify;vertical-align:inherit;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 1px; font-size: 16px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">首先想说的是，买房和买车，是两种截然不同的财务决策。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"text-align:justify;vertical-align:inherit;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"text-align:justify;vertical-align:inherit;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"font-size: 16px; color: rgb(0, 0, 0); font-family: arial, helvetica, sans-serif;\">\u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 1px; background-color: rgb(255, 254, 213); font-size: 16px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">买车，更偏向消费决策\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 1px; font-size: 16px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\"> —— 车属于消费品，新车到手，就是贬值的开始。\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"text-align:justify;vertical-align:inherit;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"text-align:justify;vertical-align:inherit;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 1px; font-size: 16px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">而且很多人在买车的时候，是没有考虑车日常的维护成本的 —— 洗车、加油和保养等等，这也是一笔新开支，而且不是笔小数目。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"text-align:justify;vertical-align:inherit;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"text-align:justify;vertical-align:inherit;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"font-size: 16px; color: rgb(0, 0, 0); font-family: arial, helvetica, sans-serif;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 1px; font-size: 16px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">而\u003C\u002Fspan>\u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 1px; background-color: rgb(255, 254, 213); font-size: 16px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">买房，更偏向资产投入决策\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 1px; font-size: 16px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\"> —— 房子是固定资产，如果选择得当，不仅不会贬值，还会升值。\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"text-align:justify;vertical-align:inherit;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"text-align:justify;vertical-align:inherit;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"font-size: 16px; color: rgb(0, 0, 0); font-family: arial, helvetica, sans-serif;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 1px; font-size: 16px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">纯从财务的角度看，\u003C\u002Fspan>\u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 1px; font-size: 16px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">买房的优先级，是高于买车的。\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"text-align:justify;vertical-align:inherit;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"text-align:justify;vertical-align:inherit;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 1px; font-size: 16px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">但是真实世界里，永远有很多非数字化的考虑因素。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"text-align:justify;vertical-align:inherit;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"text-align:justify;vertical-align:inherit;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"color: rgb(0, 0, 0); font-size: 20px; font-family: arial, helvetica, sans-serif;\">\u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 1px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">02\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"text-align:justify;vertical-align:inherit;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"text-align:justify;vertical-align:inherit;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"font-size: 16px; color: rgb(0, 0, 0); font-family: arial, helvetica, sans-serif;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 1px; font-size: 16px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">经济学里，有个概念叫做效用 —— 简单理解为，\u003C\u002Fspan>\u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 1px; background-color: rgb(255, 254, 213); font-size: 16px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">一项决策带给你的满意度。\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"text-align:justify;vertical-align:inherit;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"text-align:justify;vertical-align:inherit;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 1px; font-size: 16px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">资产升值会带来效用，能够自驾出行、扩大自己的生活版图，也会带来效用的提升。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"text-align:justify;vertical-align:inherit;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"text-align:justify;vertical-align:inherit;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 1px; font-size: 16px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">从这个角度看，你可能要问问自己，买房或者买车，哪一项对你的生活带来的效用更大？\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"text-align:justify;vertical-align:inherit;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"text-align:justify;vertical-align:inherit;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"font-size: 16px; color: rgb(0, 0, 0); font-family: arial, helvetica, sans-serif;\">\u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 1px; font-size: 16px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">不管身边的人怎么说，能够决定你生活的人，只有你自己。\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"text-align:justify;vertical-align:inherit;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"text-align:justify;vertical-align:inherit;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 1px; font-size: 16px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">不过我想提醒一件事，当你在评估一个重大决策的效用时，尽量拉长时间周期去看。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"text-align:justify;vertical-align:inherit;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"text-align:justify;vertical-align:inherit;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"font-size: 16px; color: rgb(0, 0, 0); font-family: arial, helvetica, sans-serif;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 1px; font-size: 16px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">什么意思呢？\u003C\u002Fspan>\u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 1px; background-color: rgb(255, 254, 213); font-size: 16px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">很多时候，我们做决策，更偏重当下的效用。\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"text-align:justify;vertical-align:inherit;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"text-align:justify;vertical-align:inherit;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 1px; font-size: 16px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">比如，在当下，我觉得吃块蛋糕对我的效用特别高，但总会在吃完之后，感到一阵空虚，甚至后悔起来 —— 觉得热量太高，之前的运动都白瞎了。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"text-align:justify;vertical-align:inherit;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"text-align:justify;vertical-align:inherit;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 1px; font-size: 16px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">当思考的时间周期拉长之后，你会发现，你的效用可能会发生逆转。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"text-align:justify;vertical-align:inherit;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"text-align:justify;vertical-align:inherit;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 1px; font-size: 16px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">尤其是像买房、买车这样的决策，影响一般是比较长期的。你25岁时和30岁时，对有没有车子、或有没有房子的感知，是非常不一样的。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"text-align:justify;vertical-align:inherit;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"text-align:justify;vertical-align:inherit;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 1px; font-size: 16px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">你可以闭着眼睛想象一下，再过3年、5年，你的生活会有何种变化？你当下做的这项决策，会让未来的自己生活更好、还是会有一点点后悔？\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"text-align:justify;vertical-align:inherit;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"text-align:justify;vertical-align:inherit;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"font-size: 16px; color: rgb(0, 0, 0); font-family: arial, helvetica, sans-serif;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 1px; font-size: 16px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">如果觉得凭空想象很难，还有个小建议，\u003C\u002Fspan>\u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 1px; background-color: rgb(255, 254, 213); font-size: 16px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">不妨问问身边和你生活价值相似、但是年龄更长的朋友，如何看待这件事？\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"text-align:left;vertical-align:inherit;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"text-align:justify;vertical-align:inherit;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 1px; font-size: 16px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">从你的留言看，至少在当下，买车对你的效用更大，但也有可能，当你拉长周期再去看这个决策，有一所房子带来的安全感和踏实感，提供的效用会上升。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"text-align:justify;vertical-align:inherit;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"text-align:justify;vertical-align:inherit;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"color: rgb(0, 0, 0); font-size: 20px; font-family: arial, helvetica, sans-serif;\">\u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 1px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">03\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"text-align:justify;vertical-align:inherit;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"text-align:justify;vertical-align:inherit;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 1px; font-size: 16px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">最后，考虑到买房的决策往往会更复杂、让人更纠结，再提供2个角度：\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"text-align:justify;vertical-align:inherit;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"text-align:justify;vertical-align:inherit;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"font-size: 16px; color: rgb(0, 0, 0); font-family: arial, helvetica, sans-serif;\">\u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 1px; background-color: rgb(255, 254, 213); font-size: 16px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">1. 考虑买房的机会成本\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"text-align:justify;vertical-align:inherit;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"text-align:justify;vertical-align:inherit;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 1px; font-size: 16px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">如果买房，除了一笔数额不小的首付，你未来可能还要长期偿还房贷。\u003C\u002Fspan>\u003Cspan style=\"font-size: 16px; letter-spacing: 1px; caret-color: red; font-family: arial, helvetica, sans-serif;\">这会带来2个非常典型的机会成本：\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"text-align:justify;vertical-align:inherit;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"text-align:justify;vertical-align:inherit;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"font-size: 16px; color: rgb(0, 0, 0); font-family: arial, helvetica, sans-serif;\">\u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 1px; font-size: 16px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">1）这笔钱用来投资，可能可以获得更快的增值\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"text-align:justify;vertical-align:inherit;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"text-align:justify;vertical-align:inherit;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 1px; font-size: 16px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">本金对投资收益的影响是根本性的。从0到10万的难度，要比从30万到40万困难很多。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"text-align:justify;vertical-align:inherit;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"text-align:justify;vertical-align:inherit;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"font-size: 16px; color: rgb(0, 0, 0); font-family: arial, helvetica, sans-serif;\">\u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 1px; font-size: 16px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">2）不背负房贷时，你可以有更多生活选择\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"text-align:justify;vertical-align:inherit;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"text-align:justify;vertical-align:inherit;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 1px; font-size: 16px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">身边常常会有朋友跟我开玩笑，房子是甜蜜的负担，自从背上房贷，感觉消费欲望被迫降为负，不是不想买、不想出去玩，而是想想下个月的还款账单，就默默捏紧了钱包。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"text-align:justify;vertical-align:inherit;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"text-align:justify;vertical-align:inherit;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"font-size: 16px; color: rgb(0, 0, 0); font-family: arial, helvetica, sans-serif;\">\u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 1px; background-color: rgb(255, 254, 213); font-size: 16px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">2. 选房一定要慎重，不要为了买而买\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"text-align:left;vertical-align:inherit;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"text-align:justify;vertical-align:inherit;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 1px; font-size: 16px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">我身边有不少这样的案例，在外部环境的影响下，有了强烈的买房愿望，然后在匆忙中买了并不适合自己的房子。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"text-align:justify;vertical-align:inherit;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"text-align:justify;vertical-align:inherit;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 1px; font-size: 16px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">比如在一线工作，因为买不起当地的房子，匆匆忙忙买了套老家的房子，心里想暂时给钱保值，但过了段时间发现，老家的房子不涨反跌。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"text-align:justify;vertical-align:inherit;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"text-align:justify;vertical-align:inherit;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 1px; font-size: 16px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">现在房子已经告别“普涨时代”，进入了“个股时代”，挑好房的难度不亚于挑好股。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"text-align:justify;vertical-align:inherit;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"text-align:justify;vertical-align:inherit;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 1px; font-size: 16px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">当你的买房需求还不明确时\u003C\u002Fspan>，不妨等一等，不要着急出手，不然很可能是买了个后悔。\u003C\u002Fp>\n \u003Cp style=\"text-align:justify;vertical-align:inherit;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"text-align:justify;vertical-align:inherit;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">好啦，今天就聊到这里。如果你喜欢今天的分享，记得在文末点个赞，给个鼓励。\u003C\u002Fp>\n\u003C\u002Fsection>","2021-11-30 11:02:32","2021-11-29 06:25:00",100,0,"zhanglizi@jane7.com","2021-11-30 10:14:19",372,false,10870,"1038002",12,[],[],23,[],[],[34,46,55,65],{"pageSize":4,"articleWikiId":35,"wikiName":36,"articleCode":37,"locationType":38,"sortNumber":39,"articleTitle":40,"introduction":41,"coverImage":42,"likeCount":20,"realSearch":24,"createTime":43,"seoUrl":44,"seoKeywords":45},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":35,"wikiName":36,"articleCode":47,"locationType":38,"sortNumber":48,"articleTitle":49,"introduction":50,"coverImage":51,"likeCount":20,"realSearch":24,"createTime":52,"seoUrl":53,"seoKeywords":54},"JP2020060917154683397",20200609,"刚需买房需要注意什么？这3点很重要","有买房需求，尤其是此前没有买房经验的小伙伴，注意了~","https:\u002F\u002Fimage.jane7.com\u002F8049bef4-7ab2-4331-9c86-e3711ea497a9.png","2020-06-09 17:15:46","https:\u002F\u002Fwww.jane7.com\u002Farticle-financing-JP2020060917154683397-99.html","买房,买房常识,小房型",{"pageSize":4,"articleWikiId":56,"wikiName":57,"articleCode":58,"locationType":38,"sortNumber":59,"articleTitle":60,"introduction":61,"coverImage":62,"likeCount":30,"realSearch":24,"createTime":63,"seoUrl":64,"seoKeywords":11},93,"基金定投","JP2021102213511606138",20211028,"辛苦攒下的钱，该买房还是投资？","和你分享两个真实案例","https:\u002F\u002Fimage.jane7.com\u002F7737c6df-dccb-4107-b736-29d1c8e12d19.png","2021-10-22 13:51:16","https:\u002F\u002Fwww.jane7.com\u002Farticle-financing-JP2021102213511606138-93.html",{"pageSize":4,"articleWikiId":35,"wikiName":36,"articleCode":66,"locationType":38,"sortNumber":67,"articleTitle":68,"introduction":69,"coverImage":70,"likeCount":20,"realSearch":24,"createTime":71,"seoUrl":72,"seoKeywords":73},"JP2020051318175214523",20200513,"个人房贷利率转换为LPR利率，具体怎么办理？","自今年3月1日起，我们可以将固定的房贷利率，转换为LPR浮动利率。那具体怎么办理呢？以下两种方式，供你参考","https:\u002F\u002Fimage.jane7.com\u002F55eaa595-2248-4293-bd5b-01ea7217d4b0.png","2020-05-13 18:17:52","https:\u002F\u002Fwww.jane7.com\u002Farticle-financing-JP2020051318175214523-99.html","LPR,房贷"]