你穷是因为你没有野心！0首付+420万信用贷豪赌学区房。
<section data-role="paragraph" class="_135editor" style="border: 0px none;"><p style="max-width: 100%; min-height: 1em; color: #3e3e3e; font-family: "Helvetica Neue", "Hiragino Sans GB", "Microsoft YaHei", 黑体, Arial, sans-serif; white-space: normal;"><br/></p><p style="max-width: 100%; min-height: 1em; color: #3e3e3e; font-family: "Helvetica Neue", "Hiragino Sans GB", "Microsoft YaHei", 黑体, Arial, sans-serif; white-space: normal;"><br style="max-width: 100%;"/></p><p style="max-width: 100%; min-height: 1em; color: #3e3e3e; font-family: "Helvetica Neue", "Hiragino Sans GB", "Microsoft YaHei", 黑体, Arial, sans-serif; white-space: normal;"><img class="" data-backh="914" data-backw="558" data-copyright="0" data-ratio="1.6376811594202898" data-s="300,640" data-type="jpeg" data-w="690" _width="100%" src="http://mpt.135editor.com/mmbiz_jpg/PLj1Ifw2c6oiaYDiaAhiclJRK6pajpu514UfRQ3vZBicdicIaOg0WLVQHVmpvOY7znuq1wKP7nicAmbheqrfRsaPWnvw/640?wx_fmt=jpeg" data-fail="0" style="width: 100%; visibility: visible !important;"/></p><p style="max-width: 100%; min-height: 1em; color: #3e3e3e; font-family: "Helvetica Neue", "Hiragino Sans GB", "Microsoft YaHei", 黑体, Arial, sans-serif; white-space: normal;">“没这点魄力，活该穷一辈子！”</p><p style="max-width: 100%; min-height: 1em; color: #3e3e3e; font-family: "Helvetica Neue", "Hiragino Sans GB", "Microsoft YaHei", 黑体, Arial, sans-serif; white-space: normal;"><br style="max-width: 100%;"/></p><p style="max-width: 100%; min-height: 1em; color: #3e3e3e; font-family: "Helvetica Neue", "Hiragino Sans GB", "Microsoft YaHei", 黑体, Arial, sans-serif; white-space: normal;">放出豪言的，是一位水木社区的神秘网友：jiang2006，其分享了自己顶着去杠杆大势，悍然0首付，套取国家620万贷款买房的经历。简单来说，该网友和其妻子在一周内，30万、30万地从X家银行套出420万消费贷，再按揭200万，成功购入一套总价700余万的学区房。</p><p style="max-width: 100%; min-height: 1em; color: #3e3e3e; font-family: "Helvetica Neue", "Hiragino Sans GB", "Microsoft YaHei", 黑体, Arial, sans-serif; white-space: normal;"><br style="max-width: 100%;"/></p><section class="" data-tools="135编辑器" data-id="92418" style="max-width: 100%; color: #3e3e3e; font-family: "Helvetica Neue", "Hiragino Sans GB", "Microsoft YaHei", 黑体, Arial, sans-serif; white-space: normal; border: 0px none;"><section class="" style="max-width: 100%; border: 0px none;"><section data-width="100%" style="max-width: 100%; width: 100%;"><section style="margin-right: auto; margin-left: auto; max-width: 100%; text-align: center;transform: translateZ(10px);-webkit-transform: translateZ(10px);-moz-transform: translateZ(10px);-o-transform: translateZ(10px);"><section style="padding-right: 6px; padding-left: 6px; display: inline-block; max-width: 100%; width: auto; background-color: #fefefe;"><section style="display: flex; max-width: 100%;"><section style="padding-right: 15px; padding-left: 15px; max-width: 100%; border-radius: 8px; height: 35px; color: #fefefe; line-height: 35px; font-size: 18px; background-color: #fdc010;transform: translateZ(10px);-webkit-transform: translateZ(10px);-moz-transform: translateZ(10px);-o-transform: translateZ(10px);"><p style="max-width: 100%; min-height: 1em;"><strong class="" data-brushtype="text" style="max-width: 100%;">敲黑板</strong></p></section><section style="margin-top: -14px; margin-left: 3px; max-width: 100%; width: 20px; height: 25px; background-image: url("http://mpt.135editor.com/mmbiz_png/PLj1Ifw2c6oiaYDiaAhiclJRK6pajpu514UzFKDh4EctRoRRlSlLtGJLYdLuicDrvNWZhfNlmoBSRa6p4A5EzooTeQ/640?wx_fmt=png"); background-size: 100%; background-color: #fdc010; background-position: 50% 50%; background-repeat: no-repeat;"></section></section></section></section><section style="margin-top: -18px; padding: 15px; max-width: 100%; border: 1px solid #fdc010;"><section style="margin: 7px auto; display: inline-block; max-width: 100%; width: auto;"><p style="max-width: 100%; min-height: 1em;"><br style="max-width: 100%;"/></p></section><p style="max-width: 100%; min-height: 1em; white-space: normal; text-align: center;"><span style="max-width: 100%; color: #ffa900;"><strong style="max-width: 100%;">该神秘网友这波惊人的操作到底是什么水平？</strong></span></p><p style="max-width: 100%; min-height: 1em; white-space: normal; text-align: center;"><span style="max-width: 100%; color: #ffa900;"><strong style="max-width: 100%;">月供151997元</strong></span></p><p style="max-width: 100%; min-height: 1em; white-space: normal; text-align: center;"><span style="max-width: 100%; color: #ffa900;"><strong style="max-width: 100%;">775万</strong></span></p><p style="max-width: 100%; min-height: 1em; white-space: normal; text-align: center;"><span style="max-width: 100%; color: #ffa900;"><strong style="max-width: 100%;">7个月</strong></span></p></section></section></section></section><p style="max-width: 100%; min-height: 1em; color: #3e3e3e; font-family: "Helvetica Neue", "Hiragino Sans GB", "Microsoft YaHei", 黑体, Arial, sans-serif; white-space: normal; text-align: center;"><br style="max-width: 100%;"/></p><section class="" data-tools="135编辑器" data-id="90940" style="max-width: 100%; color: #3e3e3e; font-family: "Helvetica Neue", "Hiragino Sans GB", "Microsoft YaHei", 黑体, Arial, sans-serif; white-space: normal; border: 0px none;"><section data-width="100%" style="max-width: 100%; width: 100%; text-align: center;"><section style="display: inline-block; max-width: 100%;"><section style="max-width: 100%;"><section style="max-width: 100%; width: 100px;"><img class="" data-ratio="0.14347826086956522" data-type="png" data-w="230" data-width="100%" _width="100%" src="http://mpt.135editor.com/mmbiz_png/PLj1Ifw2c6oiaYDiaAhiclJRK6pajpu514UePlNSujUgljLvgVH4KibIuXUja9XP30WuyHQcSexDgD5uSW74lX6biaw/640?wx_fmt=png" data-fail="0" style="display: block; width: 100%; visibility: visible !important;"/></section></section><section class="" data-brushtype="text" style="margin-top: 5px; padding-right: 15px; padding-left: 15px; max-width: 100%; color: #7b7c7b;"><strong style="max-width: 100%;"><p style="max-width: 100%; min-height: 1em; font-size: medium; white-space: normal;"><strong style="max-width: 100%;">月供151997元=两个北京户口</strong></p></strong></section><section style="max-width: 100%; text-align: right;"><section style="display: inline-block; max-width: 100%; width: 100px;"><img class="" data-ratio="0.09737827715355805" data-type="png" data-w="267" data-width="100%" _width="100%" src="http://mpt.135editor.com/mmbiz_png/PLj1Ifw2c6oiaYDiaAhiclJRK6pajpu514UWMGt5DtP81JpQibiciaYxg3DDd1sEmZNuCJMryVVQdBQxuyUkx7fpWb6g/640?wx_fmt=png" data-fail="0" style="display: block; width: 100%; visibility: visible !important;"/></section></section></section></section></section><p style="max-width: 100%; min-height: 1em; color: #3e3e3e; font-family: "Helvetica Neue", "Hiragino Sans GB", "Microsoft YaHei", 黑体, Arial, sans-serif; white-space: normal;"><br style="max-width: 100%;"/></p><p style="max-width: 100%; min-height: 1em; color: #3e3e3e; font-family: "Helvetica Neue", "Hiragino Sans GB", "Microsoft YaHei", 黑体, Arial, sans-serif; white-space: normal;">他本着物尽其用的原则，分别在八家银行贷款，还利用保单抵押的方式一共贷款420万，贷款时间基本都是三年，利率在6%-6.9%间，我们取中间值6.5%为例，看看该客户三年内消费贷共产生多少费用。</p><p style="max-width: 100%; min-height: 1em; color: #3e3e3e; font-family: "Helvetica Neue", "Hiragino Sans GB", "Microsoft YaHei", 黑体, Arial, sans-serif; white-space: normal;"><br style="max-width: 100%;"/></p><p style="max-width: 100%; min-height: 1em; color: #3e3e3e; font-family: "Helvetica Neue", "Hiragino Sans GB", "Microsoft YaHei", 黑体, Arial, sans-serif; white-space: normal;">目前市场上流行的消费贷还款方式有两种，等额本金还款和等额本息还款，这里选择利息较低的等额本金还款方式，得出该网友三年内每月消费贷还款金额如下：</p><p style="max-width: 100%; min-height: 1em; color: #3e3e3e; font-family: "Helvetica Neue", "Hiragino Sans GB", "Microsoft YaHei", 黑体, Arial, sans-serif; white-space: normal;"><br style="max-width: 100%;"/></p><table cellspacing="0" cellpadding="0" width="670"><tbody style="max-width: 100%;"><tr style="max-width: 100%; height: 19px;" class="firstRow"><td width="63" height="19" style="padding: 0px 7px; border-color: windowtext; max-width: 100%;"><p style="max-width: 100%; min-height: 1em; text-align: center;">期次</p></td><td width="78" height="19" style="padding: 0px 7px; border-left-style: none; border-top-color: windowtext; border-right-color: windowtext; border-bottom-color: windowtext; max-width: 100%;"><p style="max-width: 100%; min-height: 1em; text-align: center;">应还本金</p></td><td width="57" height="19" style="padding: 0px 7px; border-left-style: none; border-top-color: windowtext; border-right-color: windowtext; border-bottom-color: windowtext; max-width: 100%;"><p style="max-width: 100%; min-height: 1em; text-align: center;">应还利息</p></td></tr><tr style="max-width: 100%; height: 19px;"><td width="80" height="19" style="padding: 0px 7px; border-top-style: none; border-right-color: windowtext; border-bottom-color: windowtext; border-left-color: windowtext; max-width: 100%;"><p style="max-width: 100%; min-height: 1em; text-align: center;">第1期</p></td><td width="89" height="19" style="padding: 0px 7px; border-top-style: none; border-left-style: none; border-right-color: windowtext; border-bottom-color: windowtext; max-width: 100%;"><p style="max-width: 100%; min-height: 1em; text-align: center;">116666.67</p></td><td width="71" height="19" style="padding: 0px 7px; border-top-style: none; border-left-style: none; border-right-color: windowtext; border-bottom-color: windowtext; max-width: 100%;"><p style="max-width: 100%; min-height: 1em; text-align: center;">22750</p></td></tr><tr style="max-width: 100%; height: 19px;"><td width="80" height="19" style="padding: 0px 7px; border-top-style: none; border-right-color: windowtext; border-bottom-color: windowtext; border-left-color: windowtext; max-width: 100%;"><p style="max-width: 100%; min-height: 1em; text-align: center;">第2期</p></td><td width="89" height="19" style="padding: 0px 7px; border-top-style: none; border-left-style: none; border-right-color: windowtext; border-bottom-color: windowtext; max-width: 100%;"><p style="max-width: 100%; min-height: 1em; text-align: center;">116666.67</p></td><td width="71" height="19" style="padding: 0px 7px; border-top-style: none; border-left-style: none; border-right-color: windowtext; border-bottom-color: windowtext; max-width: 100%;"><p style="max-width: 100%; min-height: 1em; text-align: center;">22118.06</p></td></tr><tr style="max-width: 100%; height: 19px;"><td width="80" height="19" style="padding: 0px 7px; border-top-style: none; border-right-color: windowtext; border-bottom-color: windowtext; border-left-color: windowtext; max-width: 100%;"><p style="max-width: 100%; min-height: 1em; text-align: center;">……</p></td><td width="89" height="19" style="padding: 0px 7px; border-top-style: none; border-left-style: none; border-right-color: windowtext; border-bottom-color: windowtext; max-width: 100%;"><p style="max-width: 100%; min-height: 1em; text-align: center;">116666.67</p></td><td width="71" height="19" style="padding: 0px 7px; border-top-style: none; border-left-style: none; border-right-color: windowtext; border-bottom-color: windowtext; max-width: 100%;"><p style="max-width: 100%; min-height: 1em; text-align: center;">……</p></td></tr><tr style="max-width: 100%; height: 19px;"><td width="80" height="19" style="padding: 0px 7px; border-top-style: none; border-right-color: windowtext; border-bottom-color: windowtext; border-left-color: windowtext; max-width: 100%;"><p style="max-width: 100%; min-height: 1em; text-align: center;">第36期</p></td><td width="89" height="19" style="padding: 0px 7px; border-top-style: none; border-left-style: none; border-right-color: windowtext; border-bottom-color: windowtext; max-width: 100%;"><p style="max-width: 100%; min-height: 1em; text-align: center;">116666.67</p></td><td width="71" height="19" style="padding: 0px 7px; border-top-style: none; border-left-style: none; border-right-color: windowtext; border-bottom-color: windowtext; max-width: 100%;"><p style="max-width: 100%; min-height: 1em; text-align: center;">631.94</p></td></tr><tr style="max-width: 100%; height: 19px;"><td width="80" height="19" style="padding: 0px 7px; border-top-style: none; border-right-color: windowtext; border-bottom-color: windowtext; border-left-color: windowtext; max-width: 100%;"><p style="max-width: 100%; min-height: 1em; text-align: center;">累计</p></td><td width="89" height="19" style="padding: 0px 7px; border-top-style: none; border-left-style: none; border-right-color: windowtext; border-bottom-color: windowtext; max-width: 100%;"><p style="max-width: 100%; min-height: 1em; text-align: center;">4200000</p></td><td width="71" height="19" style="padding: 0px 7px; border-top-style: none; border-left-style: none; border-right-color: windowtext; border-bottom-color: windowtext; max-width: 100%;"><p style="max-width: 100%; min-height: 1em; text-align: center;">420875</p></td></tr><tr style="max-width: 100%; height: 19px;"><td width="205" colspan="2" height="19" style="padding: 0px 7px; border-top-style: none; border-right-color: black; border-bottom-color: windowtext; border-left-color: windowtext; max-width: 100%;"><p style="max-width: 100%; min-height: 1em; text-align: center;">合计</p></td><td width="71" height="19" style="padding: 0px 7px; border-top-style: none; border-left-style: none; border-right-color: windowtext; border-bottom-color: windowtext; max-width: 100%;"><p style="max-width: 100%; min-height: 1em; text-align: center;">4620875</p></td></tr></tbody></table><p style="max-width: 100%; min-height: 1em; color: #3e3e3e; font-family: "Helvetica Neue", "Hiragino Sans GB", "Microsoft YaHei", 黑体, Arial, sans-serif; white-space: normal;"><br style="max-width: 100%;"/></p><p style="max-width: 100%; min-height: 1em; color: #3e3e3e; font-family: "Helvetica Neue", "Hiragino Sans GB", "Microsoft YaHei", 黑体, Arial, sans-serif; white-space: normal;">表里可以看出，该网友消费贷每月需还本金116666元，而贷款初始几个月，该网友月供保持在13万上下。</p><p style="max-width: 100%; min-height: 1em; color: #3e3e3e; font-family: "Helvetica Neue", "Hiragino Sans GB", "Microsoft YaHei", 黑体, Arial, sans-serif; white-space: normal;"><br style="max-width: 100%;"/></p><p style="max-width: 100%; min-height: 1em; color: #3e3e3e; font-family: "Helvetica Neue", "Hiragino Sans GB", "Microsoft YaHei", 黑体, Arial, sans-serif; white-space: normal;">当然，这笔钱仅仅是该网友消费贷产生的月供，还有200万房贷产生的月供呢！</p><p style="max-width: 100%; min-height: 1em; color: #3e3e3e; font-family: "Helvetica Neue", "Hiragino Sans GB", "Microsoft YaHei", 黑体, Arial, sans-serif; white-space: normal;"><br style="max-width: 100%;"/></p><p style="max-width: 100%; min-height: 1em; color: #3e3e3e; font-family: "Helvetica Neue", "Hiragino Sans GB", "Microsoft YaHei", 黑体, Arial, sans-serif; white-space: normal;">由于该网友没有说明他的贷款年限，这里仍旧取中间值，按照10年贷款计算，再按照更划算的等额本金还款方式。房贷方面，该网友还需偿还利息49万，若只看前三年，该网友则需偿还25万利息。</p><p style="max-width: 100%; min-height: 1em; color: #3e3e3e; font-family: "Helvetica Neue", "Hiragino Sans GB", "Microsoft YaHei", 黑体, Arial, sans-serif; white-space: normal;"><br style="max-width: 100%;"/></p><table cellspacing="0" cellpadding="0" width="670"><tbody style="max-width: 100%;"><tr style="max-width: 100%; height: 23px;" class="firstRow"><td width="65" valign="top" height="23" style="padding: 0px 7px; border-color: windowtext; max-width: 100%;"><p style="max-width: 100%; min-height: 1em;">期次</p></td><td width="57" valign="top" height="23" style="padding: 0px 7px; border-left-style: none; border-top-color: windowtext; border-right-color: windowtext; border-bottom-color: windowtext; max-width: 100%;"><p style="max-width: 100%; min-height: 1em;">应还本金</p></td><td width="66" valign="top" height="23" style="padding: 0px 7px; border-left-style: none; border-top-color: windowtext; border-right-color: windowtext; border-bottom-color: windowtext; max-width: 100%;"><p style="max-width: 100%; min-height: 1em;">应还利息</p></td></tr><tr style="max-width: 100%; height: 23px;"><td width="87" valign="top" height="23" style="padding: 0px 7px; border-top-style: none; border-right-color: windowtext; border-bottom-color: windowtext; border-left-color: windowtext; max-width: 100%;"><p style="max-width: 100%; min-height: 1em;">第1期</p></td><td width="80" valign="top" height="23" style="padding: 0px 7px; border-top-style: none; border-left-style: none; border-right-color: windowtext; border-bottom-color: windowtext; max-width: 100%;"><p style="max-width: 100%; min-height: 1em;">16666.7</p></td><td width="87" valign="top" height="23" style="padding: 0px 7px; border-top-style: none; border-left-style: none; border-right-color: windowtext; border-bottom-color: windowtext; max-width: 100%;"><p style="max-width: 100%; min-height: 1em;">8166.67</p></td></tr><tr style="max-width: 100%; height: 23px;"><td width="87" valign="top" height="23" style="padding: 0px 7px; border-top-style: none; border-right-color: windowtext; border-bottom-color: windowtext; border-left-color: windowtext; max-width: 100%;"><p style="max-width: 100%; min-height: 1em;">第2期</p></td><td width="80" valign="top" height="23" style="padding: 0px 7px; border-top-style: none; border-left-style: none; border-right-color: windowtext; border-bottom-color: windowtext; max-width: 100%;"><p style="max-width: 100%; min-height: 1em;">16666.7</p></td><td width="87" valign="top" height="23" style="padding: 0px 7px; border-top-style: none; border-left-style: none; border-right-color: windowtext; border-bottom-color: windowtext; max-width: 100%;"><p style="max-width: 100%; min-height: 1em;">8098.61</p></td></tr><tr style="max-width: 100%; height: 23px;"><td width="87" valign="top" height="23" style="padding: 0px 7px; border-top-style: none; border-right-color: windowtext; border-bottom-color: windowtext; border-left-color: windowtext; max-width: 100%;"><p style="max-width: 100%; min-height: 1em;">第3期</p></td><td width="80" valign="top" height="23" style="padding: 0px 7px; border-top-style: none; border-left-style: none; border-right-color: windowtext; border-bottom-color: windowtext; max-width: 100%;"><p style="max-width: 100%; min-height: 1em;">16666.7</p></td><td width="87" valign="top" height="23" style="padding: 0px 7px; border-top-style: none; border-left-style: none; border-right-color: windowtext; border-bottom-color: windowtext; max-width: 100%;"><p style="max-width: 100%; min-height: 1em;">8030.56</p></td></tr><tr style="max-width: 100%; height: 23px;"><td width="87" valign="top" height="23" style="padding: 0px 7px; border-top-style: none; border-right-color: windowtext; border-bottom-color: windowtext; border-left-color: windowtext; max-width: 100%;"><p style="max-width: 100%; min-height: 1em;">……</p></td><td width="80" valign="top" height="23" style="padding: 0px 7px; border-top-style: none; border-left-style: none; border-right-color: windowtext; border-bottom-color: windowtext; max-width: 100%;"><p style="max-width: 100%; min-height: 1em;">16666.7</p></td><td width="87" valign="top" height="23" style="padding: 0px 7px; border-top-style: none; border-left-style: none; border-right-color: windowtext; border-bottom-color: windowtext; max-width: 100%;"><p style="max-width: 100%; min-height: 1em;">……</p></td></tr><tr style="max-width: 100%; height: 23px;"><td width="87" valign="top" height="23" style="padding: 0px 7px; border-top-style: none; border-right-color: windowtext; border-bottom-color: windowtext; border-left-color: windowtext; max-width: 100%;"><p style="max-width: 100%; min-height: 1em;">第36期</p></td><td width="80" valign="top" height="23" style="padding: 0px 7px; border-top-style: none; border-left-style: none; border-right-color: windowtext; border-bottom-color: windowtext; max-width: 100%;"><p style="max-width: 100%; min-height: 1em;">16666.7</p></td><td width="87" valign="top" height="23" style="padding: 0px 7px; border-top-style: none; border-left-style: none; border-right-color: windowtext; border-bottom-color: windowtext; max-width: 100%;"><p style="max-width: 100%; min-height: 1em;">5784.72</p></td></tr><tr style="max-width: 100%; height: 23px;"><td width="87" valign="top" height="23" style="padding: 0px 7px; border-top-style: none; border-right-color: windowtext; border-bottom-color: windowtext; border-left-color: windowtext; max-width: 100%;"><p style="max-width: 100%; min-height: 1em;">……</p></td><td width="80" valign="top" height="23" style="padding: 0px 7px; border-top-style: none; border-left-style: none; border-right-color: windowtext; border-bottom-color: windowtext; max-width: 100%;"><p style="max-width: 100%; min-height: 1em;">16666.7</p></td><td width="87" valign="top" height="23" style="padding: 0px 7px; border-top-style: none; border-left-style: none; border-right-color: windowtext; border-bottom-color: windowtext; max-width: 100%;"><p style="max-width: 100%; min-height: 1em;">……</p></td></tr></tbody></table><p style="max-width: 100%; min-height: 1em; color: #3e3e3e; font-family: "Helvetica Neue", "Hiragino Sans GB", "Microsoft YaHei", 黑体, Arial, sans-serif; white-space: normal;"> </p><p style="max-width: 100%; min-height: 1em; color: #3e3e3e; font-family: "Helvetica Neue", "Hiragino Sans GB", "Microsoft YaHei", 黑体, Arial, sans-serif; white-space: normal;">表里可以看出，该网友房贷每月需还本金16666.7元，而贷款初始几个月，该网友月供保持在2.4万上下。</p><p style="max-width: 100%; min-height: 1em; color: #3e3e3e; font-family: "Helvetica Neue", "Hiragino Sans GB", "Microsoft YaHei", 黑体, Arial, sans-serif; white-space: normal;"><br style="max-width: 100%;"/></p><p style="max-width: 100%; min-height: 1em; color: #3e3e3e; font-family: "Helvetica Neue", "Hiragino Sans GB", "Microsoft YaHei", 黑体, Arial, sans-serif; white-space: normal;">最终总结一下这位勇士在起初三年内，每月至少要背负的债务为：</p><p style="max-width: 100%; min-height: 1em; color: #3e3e3e; font-family: "Helvetica Neue", "Hiragino Sans GB", "Microsoft YaHei", 黑体, Arial, sans-serif; white-space: normal;"><br style="max-width: 100%;"/></p><p style="max-width: 100%; min-height: 1em; color: #3e3e3e; font-family: "Helvetica Neue", "Hiragino Sans GB", "Microsoft YaHei", 黑体, Arial, sans-serif; white-space: normal;">116666（组合贷）+11690（组合贷利息均值）+16666（房贷）+6975（房贷利息均值）=151997元。</p><p style="max-width: 100%; min-height: 1em; color: #3e3e3e; font-family: "Helvetica Neue", "Hiragino Sans GB", "Microsoft YaHei", 黑体, Arial, sans-serif; white-space: normal;"><br style="max-width: 100%;"/></p><p style="max-width: 100%; min-height: 1em; color: #3e3e3e; font-family: "Helvetica Neue", "Hiragino Sans GB", "Microsoft YaHei", 黑体, Arial, sans-serif; white-space: normal; text-align: center;"><span style="max-width: 100%; color: #d92142;"><strong style="max-width: 100%;">151997元/月！</strong></span><br style="max-width: 100%;"/></p><p style="max-width: 100%; min-height: 1em; color: #3e3e3e; font-family: "Helvetica Neue", "Hiragino Sans GB", "Microsoft YaHei", 黑体, Arial, sans-serif; white-space: normal;"><br style="max-width: 100%;"/></p><p style="max-width: 100%; min-height: 1em; color: #3e3e3e; font-family: "Helvetica Neue", "Hiragino Sans GB", "Microsoft YaHei", 黑体, Arial, sans-serif; white-space: normal;">按照北京市最新出台的落户政策，这个月供已达到两个高科技人才落户北京的月收入标准。<br style="max-width: 100%;"/></p><p style="max-width: 100%; min-height: 1em; color: #3e3e3e; font-family: "Helvetica Neue", "Hiragino Sans GB", "Microsoft YaHei", 黑体, Arial, sans-serif; white-space: normal;"> </p><section class="" data-tools="135编辑器" data-id="90940" style="max-width: 100%; color: #3e3e3e; font-family: "Helvetica Neue", "Hiragino Sans GB", "Microsoft YaHei", 黑体, Arial, sans-serif; white-space: normal;"><section data-width="100%" style="max-width: 100%; width: 100%;"><section style="max-width: 100%;"><section class="" data-brushtype="text" style="max-width: 100%;"><section class="" data-tools="135编辑器" data-id="90940" style="max-width: 100%; border: 0px none;"><section data-width="100%" style="max-width: 100%; width: 100%; text-align: center;"><section style="display: inline-block; max-width: 100%;"><section style="max-width: 100%;"><section style="max-width: 100%; width: 100px;"></section></section><section class="" data-brushtype="text" style="margin-top: 5px; padding-right: 15px; padding-left: 15px; max-width: 100%; color: #7b7c7b;"><strong style="max-width: 100%;"><p style="max-width: 100%; min-height: 1em; font-size: medium; white-space: normal;"><strong style="max-width: 100%;">775万=保本的底线</strong></p></strong></section><section style="max-width: 100%; text-align: right;"><section style="display: inline-block; max-width: 100%; width: 100px;"></section></section></section></section></section></section></section></section></section><p style="max-width: 100%; min-height: 1em; color: #3e3e3e; font-family: "Helvetica Neue", "Hiragino Sans GB", "Microsoft YaHei", 黑体, Arial, sans-serif; white-space: normal; text-align: center;"><span style="max-width: 100%; line-height: 1.6;"> </span><br style="max-width: 100%;"/></p><p style="max-width: 100%; min-height: 1em; color: #3e3e3e; font-family: "Helvetica Neue", "Hiragino Sans GB", "Microsoft YaHei", 黑体, Arial, sans-serif; white-space: normal;">背着如此沉重的债务买房，房价要涨到什么样，才能不赔本？</p><p style="max-width: 100%; min-height: 1em; color: #3e3e3e; font-family: "Helvetica Neue", "Hiragino Sans GB", "Microsoft YaHei", 黑体, Arial, sans-serif; white-space: normal;"><br style="max-width: 100%;"/></p><p style="max-width: 100%; min-height: 1em; color: #3e3e3e; font-family: "Helvetica Neue", "Hiragino Sans GB", "Microsoft YaHei", 黑体, Arial, sans-serif; white-space: normal;">在不算通货膨胀的情况下，<span style="max-width: 100%; line-height: 1.6;">三年后该网友若出手房子，需要付出708万的房款，42万的消费贷利息和25万的房贷利息，总计775万</span><span style="max-width: 100%; line-height: 1.6;">。</span></p><p style="max-width: 100%; min-height: 1em; color: #3e3e3e; font-family: "Helvetica Neue", "Hiragino Sans GB", "Microsoft YaHei", 黑体, Arial, sans-serif; white-space: normal;"><span style="max-width: 100%; line-height: 1.6;"><br style="max-width: 100%;"/></span></p><p style="max-width: 100%; min-height: 1em; color: #3e3e3e; font-family: "Helvetica Neue", "Hiragino Sans GB", "Microsoft YaHei", 黑体, Arial, sans-serif; white-space: normal;">简单来说，该网友新房入手后，若要在三年内将该房转手卖出，则该房至少要升值到775万，才能保证不亏损；而随着付出利息的逐渐增加，若在三年后出手该房，则要保证最后的总额高于775万。</p><p style="max-width: 100%; min-height: 1em; color: #3e3e3e; font-family: "Helvetica Neue", "Hiragino Sans GB", "Microsoft YaHei", 黑体, Arial, sans-serif; white-space: normal;"><br style="max-width: 100%;"/></p><p style="max-width: 100%; min-height: 1em; color: #3e3e3e; font-family: "Helvetica Neue", "Hiragino Sans GB", "Microsoft YaHei", 黑体, Arial, sans-serif; white-space: normal;"><img class="" data-copyright="0" data-ratio="0.7166921898928025" data-s="300,640" data-type="jpeg" data-w="653" src="http://mpt.135editor.com/mmbiz_jpg/PLj1Ifw2c6oiaYDiaAhiclJRK6pajpu514UgBzOZVuPFnaiaLlCRpgiciayOo4c2uv5lrY0PZS1wDneYq94dfWESaUgg/640?wx_fmt=jpeg" data-fail="0" style="width: auto !important; visibility: visible !important;"/></p><p style="max-width: 100%; min-height: 1em; color: #3e3e3e; font-family: "Helvetica Neue", "Hiragino Sans GB", "Microsoft YaHei", 黑体, Arial, sans-serif; white-space: normal;"><br style="max-width: 100%;"/></p><p style="max-width: 100%; min-height: 1em; color: #3e3e3e; font-family: "Helvetica Neue", "Hiragino Sans GB", "Microsoft YaHei", 黑体, Arial, sans-serif; white-space: normal;">在此，对神秘的jiang2006的祝福，只能是北京楼市一路高走~~~额，小编似乎更买不起房了。</p><p style="max-width: 100%; min-height: 1em; color: #3e3e3e; font-family: "Helvetica Neue", "Hiragino Sans GB", "Microsoft YaHei", 黑体, Arial, sans-serif; white-space: normal;"> </p><section class="" data-tools="135编辑器" data-id="90940" style="max-width: 100%; color: #3e3e3e; font-family: "Helvetica Neue", "Hiragino Sans GB", "Microsoft YaHei", 黑体, Arial, sans-serif; white-space: normal; border: 0px none;"><section data-width="100%" style="max-width: 100%; width: 100%; text-align: center;"><section style="display: inline-block; max-width: 100%;"><section style="max-width: 100%;"><section style="max-width: 100%; width: 100px;"><img class="" data-ratio="0.14347826086956522" data-type="png" data-w="230" data-width="100%" _width="100%" src="http://mpt.135editor.com/mmbiz_png/PLj1Ifw2c6oiaYDiaAhiclJRK6pajpu514UePlNSujUgljLvgVH4KibIuXUja9XP30WuyHQcSexDgD5uSW74lX6biaw/640?wx_fmt=png" data-fail="0" style="display: block; width: 100%; visibility: visible !important;"/></section></section><section class="" data-brushtype="text" style="margin-top: 5px; padding-right: 15px; padding-left: 15px; max-width: 100%; color: #7b7c7b;"><strong style="max-width: 100%;"><p style="max-width: 100%; min-height: 1em; font-size: medium; white-space: normal;"><strong style="max-width: 100%;"> 7个月=“地主”也没余粮了</strong></p></strong></section><section style="max-width: 100%; text-align: right;"><section style="display: inline-block; max-width: 100%; width: 100px;"><img class="" data-ratio="0.09737827715355805" data-type="png" data-w="267" data-width="100%" _width="100%" src="http://mpt.135editor.com/mmbiz_png/PLj1Ifw2c6oiaYDiaAhiclJRK6pajpu514UWMGt5DtP81JpQibiciaYxg3DDd1sEmZNuCJMryVVQdBQxuyUkx7fpWb6g/640?wx_fmt=png" data-fail="0" style="display: block; width: 100%; visibility: visible !important;"/></section></section></section></section></section><p style="max-width: 100%; min-height: 1em; color: #3e3e3e; font-family: "Helvetica Neue", "Hiragino Sans GB", "Microsoft YaHei", 黑体, Arial, sans-serif; white-space: normal; text-align: center;"><span style="max-width: 100%; line-height: 1.6;"> </span><br style="max-width: 100%;"/></p><p style="max-width: 100%; min-height: 1em; color: #3e3e3e; font-family: "Helvetica Neue", "Hiragino Sans GB", "Microsoft YaHei", 黑体, Arial, sans-serif; white-space: normal;">上面提到神秘的jiang2006每月需还151997元的月供，对于如此高的月供，诸多网友都质疑其在玩火，神秘的jiang2006则不以为然，同时表示自己还有100万的白领通额度没有使用，这笔钱应该是该网友最后的“堡垒”，那么这个“堡垒”到底能坚持多久？</p><p style="max-width: 100%; min-height: 1em; color: #3e3e3e; font-family: "Helvetica Neue", "Hiragino Sans GB", "Microsoft YaHei", 黑体, Arial, sans-serif; white-space: normal;"><br style="max-width: 100%;"/></p><p style="max-width: 100%; min-height: 1em; color: #3e3e3e; font-family: "Helvetica Neue", "Hiragino Sans GB", "Microsoft YaHei", 黑体, Arial, sans-serif; white-space: normal;">在不计算其和妻子工资的情况下，这笔钱能为其提供100万/15.2万=6.57月的保证，保守估计为7个月。在这7个月内，该网友能通过白领通缓解暂时的金钱危机，但是不可避免，又要背上新的债务，至于7个月后的还款生活，则要靠其自谋出路了。</p><p style="max-width: 100%; min-height: 1em; color: #3e3e3e; font-family: "Helvetica Neue", "Hiragino Sans GB", "Microsoft YaHei", 黑体, Arial, sans-serif; white-space: normal;"><br style="max-width: 100%;"/></p><section class="" data-tools="135编辑器" data-id="90940" style="max-width: 100%; color: #3e3e3e; font-family: "Helvetica Neue", "Hiragino Sans GB", "Microsoft YaHei", 黑体, Arial, sans-serif; white-space: normal; border: 0px none;"><section data-width="100%" style="max-width: 100%; width: 100%; text-align: center;"><section style="display: inline-block; max-width: 100%;"><section style="max-width: 100%;"><section style="max-width: 100%; width: 100px;"><img class="" data-ratio="0.14347826086956522" data-type="png" data-w="230" data-width="100%" _width="100px" src="http://mpt.135editor.com/mmbiz_png/PLj1Ifw2c6oiaYDiaAhiclJRK6pajpu514UePlNSujUgljLvgVH4KibIuXUja9XP30WuyHQcSexDgD5uSW74lX6biaw/640?wx_fmt=png" data-fail="0" style="display: block; width: 100%; visibility: visible !important;"/></section></section><section class="" data-brushtype="text" style="margin-top: 5px; padding-right: 15px; padding-left: 15px; max-width: 100%; color: #7b7c7b;"><strong style="max-width: 100%;"><p style="max-width: 100%; min-height: 1em; font-size: medium;"><strong style="max-width: 100%;">杠杆为什么这么高？</strong></p></strong></section><section style="max-width: 100%; text-align: right;"><section style="display: inline-block; max-width: 100%; width: 100px;"><img class="" data-ratio="0.09737827715355805" data-type="png" data-w="267" data-width="100%" _width="100px" src="http://mpt.135editor.com/mmbiz_png/PLj1Ifw2c6oiaYDiaAhiclJRK6pajpu514UWMGt5DtP81JpQibiciaYxg3DDd1sEmZNuCJMryVVQdBQxuyUkx7fpWb6g/640?wx_fmt=png" data-fail="0" style="display: block; width: 100%; visibility: visible !important;"/></section></section></section></section></section><p style="max-width: 100%; min-height: 1em; color: #3e3e3e; font-family: "Helvetica Neue", "Hiragino Sans GB", "Microsoft YaHei", 黑体, Arial, sans-serif; white-space: normal; text-align: center;"><span style="max-width: 100%; line-height: 1.6;"> </span></p><p style="max-width: 100%; min-height: 1em; color: #3e3e3e; font-family: "Helvetica Neue", "Hiragino Sans GB", "Microsoft YaHei", 黑体, Arial, sans-serif; white-space: normal;">2015-2016年期间，极度宽松的货币政策导致国内股市出现疯牛行情，也带动了房价的快速上涨，之前一直处于观望中的购房者，害怕现在不买房，以后更加买不起房，于是全民急着加杠杆购房，一下把杠杆率推向顶峰。</p><p style="max-width: 100%; min-height: 1em; color: #3e3e3e; font-family: "Helvetica Neue", "Hiragino Sans GB", "Microsoft YaHei", 黑体, Arial, sans-serif; white-space: normal;"><br style="max-width: 100%;"/></p><p style="max-width: 100%; min-height: 1em; color: #3e3e3e; font-family: "Helvetica Neue", "Hiragino Sans GB", "Microsoft YaHei", 黑体, Arial, sans-serif; white-space: normal;">到了2017年上半年，房地产贷款增速放缓，于是个人借道消费贷、首付贷、现金贷等个人信用贷款加杠杆购房的态势升温。可激进的加杠杆万一断供怎么办呢？</p><p style="max-width: 100%; min-height: 1em; color: #3e3e3e; font-family: "Helvetica Neue", "Hiragino Sans GB", "Microsoft YaHei", 黑体, Arial, sans-serif; white-space: normal;"><br style="max-width: 100%;"/></p><p style="max-width: 100%; min-height: 1em; color: #3e3e3e; font-family: "Helvetica Neue", "Hiragino Sans GB", "Microsoft YaHei", 黑体, Arial, sans-serif; white-space: normal;">除了首付款、契税、维修基金、已偿还贷款等损失外，还将面临以下法律后果：</p><p style="max-width: 100%; min-height: 1em; color: #3e3e3e; font-family: "Helvetica Neue", "Hiragino Sans GB", "Microsoft YaHei", 黑体, Arial, sans-serif; white-space: normal;"><span style="max-width: 100%; line-height: 1.6;"><br style="max-width: 100%;"/></span></p><p style="max-width: 100%; min-height: 1em; color: #3e3e3e; font-family: "Helvetica Neue", "Hiragino Sans GB", "Microsoft YaHei", 黑体, Arial, sans-serif; white-space: normal;"><strong style="max-width: 100%;">首先，不良信用记录将进入央行征信系统。</strong><span style="max-width: 100%; line-height: 1.6;">现代社会是信用社会，一旦自然人发生房贷断供，将进入央行征信系统黑名单，只要房贷不足部分未偿还，将永远无法申请贷款、信用卡等服务。</span></p><p style="max-width: 100%; min-height: 1em; color: #3e3e3e; font-family: "Helvetica Neue", "Hiragino Sans GB", "Microsoft YaHei", 黑体, Arial, sans-serif; white-space: normal;"><br style="max-width: 100%;"/></p><p style="max-width: 100%; min-height: 1em; color: #3e3e3e; font-family: "Helvetica Neue", "Hiragino Sans GB", "Microsoft YaHei", 黑体, Arial, sans-serif; white-space: normal;"><strong style="max-width: 100%;">其次，若法院强制执行追索权，断供者所有账户将被冻结。</strong>一旦法院强制执行，自然人将面临如下困境：所有银行账户被冻结，无法享受任何金融服务，而绝大多数正规企业的工资发放账户、公积金账户等，都需经过银行清算系统，这就势必给断供者的工作造成一定影响。</p><p style="max-width: 100%; min-height: 1em; color: #3e3e3e; font-family: "Helvetica Neue", "Hiragino Sans GB", "Microsoft YaHei", 黑体, Arial, sans-serif; white-space: normal;"><br style="max-width: 100%;"/></p><p style="max-width: 100%; min-height: 1em; color: #3e3e3e; font-family: "Helvetica Neue", "Hiragino Sans GB", "Microsoft YaHei", 黑体, Arial, sans-serif; white-space: normal;"><strong style="max-width: 100%;">最后，房贷断供还将影响自然人的日常消费生活。</strong><span style="max-width: 100%; line-height: 1.6;">对于失信个人的惩戒不仅涉及到限制担任企业法人代表或主要管理人员、限制购买不动产等商业活动，还将被限制乘坐飞机、列车软卧、限制住宿较高星级宾馆酒店、高尔夫球场、旅游度假等消费活动，同时限制子女就读高收费学校、购买保险、私人离境等家庭或个人行为。</span></p><p style="max-width: 100%; min-height: 1em; color: #3e3e3e; font-family: "Helvetica Neue", "Hiragino Sans GB", "Microsoft YaHei", 黑体, Arial, sans-serif; white-space: normal;"><br style="max-width: 100%;"/></p><p style="max-width: 100%; min-height: 1em; color: #3e3e3e; font-family: "Helvetica Neue", "Hiragino Sans GB", "Microsoft YaHei", 黑体, Arial, sans-serif; white-space: normal;">以上，仅是一个渴望利用楼市杠杆发家致富的网友将要面临的风险和危机。这位神秘的jiang2006或许是被某些前辈的发家事迹打动，兴冲冲投身其中，但是随着楼市进一步去杠杆，当今的楼市早已换了面貌，不复当年。</p><p style="max-width: 100%; min-height: 1em; color: #3e3e3e; font-family: "Helvetica Neue", "Hiragino Sans GB", "Microsoft YaHei", 黑体, Arial, sans-serif; white-space: normal;"><br style="max-width: 100%;"/></p><p style="max-width: 100%; min-height: 1em; color: #3e3e3e; font-family: "Helvetica Neue", "Hiragino Sans GB", "Microsoft YaHei", 黑体, Arial, sans-serif; white-space: normal;">前几年无数先辈投身楼市杠杆，都怀揣发家致富梦。</p><p style="max-width: 100%; min-height: 1em; color: #3e3e3e; font-family: "Helvetica Neue", "Hiragino Sans GB", "Microsoft YaHei", 黑体, Arial, sans-serif; white-space: normal;"><br style="max-width: 100%;"/></p><p style="max-width: 100%; min-height: 1em; color: #3e3e3e; font-family: "Helvetica Neue", "Hiragino Sans GB", "Microsoft YaHei", 黑体, Arial, sans-serif; white-space: normal;">成功了的都有聊天资本，大多守着房子聊过去；失败了的可就没时间聊天了，自然也无人清楚他们当今生活。小编这里劝诫诸位网友：</p><p style="max-width: 100%; min-height: 1em; color: #3e3e3e; font-family: "Helvetica Neue", "Hiragino Sans GB", "Microsoft YaHei", 黑体, Arial, sans-serif; white-space: normal;"><br style="max-width: 100%;"/></p><p style="max-width: 100%; min-height: 1em; color: #3e3e3e; font-family: "Helvetica Neue", "Hiragino Sans GB", "Microsoft YaHei", 黑体, Arial, sans-serif; white-space: normal;"><strong style="max-width: 100%;">杠杆能撬起地球，也能弹飞自己，万事要谨慎。</strong></p><p><br/></p></section>
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