{"id":25947,"date":"2018-06-18T15:05:41","date_gmt":"2018-06-18T19:05:41","guid":{"rendered":"https:\/\/website-new.qa.mpowerfinancing.com\/zh\/blog\/fixed-vs-variable\/"},"modified":"2025-08-09T17:09:08","modified_gmt":"2025-08-09T17:09:08","slug":"fixed-vs-variable","status":"publish","type":"post","link":"https:\/\/www.mpowerfinancing.com\/zh\/blog\/fixed-vs-variable\/","title":{"rendered":"\u56fa\u5b9a\u4e0e\u53ef\u53d8\u5b66\u751f\u8d37\u6b3e\u5229\u7387\uff1a\u786e\u5b9a\u54ea\u79cd\u6700\u9002\u5408\u4f60"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">\u9009\u62e9\u7528\u4e8e\u5728\u7f8e\u56fd\u6216\u52a0\u62ff\u5927\u7559\u5b66\u7684\u5b66\u751f\u52a9\u5b66\u91d1\u65f6\uff0c\u56fd\u9645\u5b66\u751f\u5e94\u8003\u8651\u7684\u5173\u952e\u56e0\u7d20\u4e4b\u4e00\u662f\u9009\u62e9\u56fa\u5b9a\u5229\u7387\u8fd8\u662f\u53ef\u53d8\u5229\u7387\u7684\u52a9\u5b66\u91d1\u3002<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u4ee5\u4e0b\u662f\u5bf9\u5b66\u751f\u52a9\u5b66\u91d1\u5229\u7387\u7c7b\u578b\u7684\u4f18\u7f3a\u70b9\u7684\u8bc4\u4f30\u3002<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">\u56fa\u5b9a\u5229\u7387\u5b66\u751f\u52a9\u5b66\u91d1<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">\u56fa\u5b9a\u5229\u7387\u5b66\u751f\u52a9\u5b66\u91d1\u662f\u4e00\u79cd\u5229\u7387\u6c38\u4e0d\u53d8\u52a8\u7684\u6559\u80b2\u8d37\u6b3e\uff0c\u8fd9\u610f\u5473\u7740\u4f60\u7684\u6708\u5ea6\u52a9\u5b66\u91d1\u652f\u4ed8\u989d\u4e0d\u4f1a\u6ce2\u52a8\u3002\u56fd\u9645\u5b66\u751f\u52a9\u5b66\u91d1\u7684\u56fa\u5b9a\u5229\u7387\u4ece\u4f60\u7b7e\u7f72\u52a9\u5b66\u91d1\u534f\u8bae\u7684\u90a3\u4e00\u5929\u8d77\u4e00\u76f4\u4fdd\u6301\u4e0d\u53d8\uff0c\u76f4\u5230\u4f60\u7684\u6700\u540e\u4e00\u7b14\u4ed8\u6b3e\u3002<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u5982\u679c\u4f60\u5e0c\u671b\u6709\u4e00\u4e2a\u53ef\u9884\u6d4b\u7684\u652f\u4ed8\u7ed3\u6784\uff0c\u53ef\u4ee5\u8003\u8651\u8fd9\u4e2a\u9009\u9879\u3002<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">\u56fa\u5b9a\u5229\u7387\u8d37\u6b3e\u7684\u4f18\u70b9<\/span><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>\u4f60\u7684\u501f\u6b3e\u6210\u672c\u662f\u9884\u5148\u786e\u5b9a\u7684\u3002 <\/b><span style=\"font-weight: 400;\">\u7531\u4e8e\u4f60\u7684\u5229\u7387\u4e0d\u4f1a\u53d8\u52a8\uff0c\u4f60\u53ef\u4ee5\u7cbe\u786e\u8ba1\u7b97\u51fa\u5728\u52a9\u5b66\u91d1\u671f\u9650\u5185\u4f60\u5c06\u652f\u4ed8\u7684\u5229\u606f\u603b\u989d\u3002<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-level=\"1\"><b>\u4f60\u6bcf\u4e2a\u6708\u7684\u652f\u4ed8\u91d1\u989d\u662f\u76f8\u540c\u7684\u3002 <\/b><span style=\"font-weight: 400;\">\u56fa\u5b9a\u5229\u7387\u6ca1\u6709\u652f\u4ed8\u91d1\u989d\u7684\u60ca\u559c\u3002\u4f60\u7684\u652f\u4ed8\u91d1\u989d\u901a\u5e38\u88ab\u5206\u4e3a\u7b49\u989d\u7684\u6708\u5ea6\u5206\u671f\uff0c\u7528\u4e8e\u4f60\u7684\u8fd8\u6b3e\u671f\u9650\u3002<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/li>\n<\/ul>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>\u66f4\u5bb9\u6613\u89c4\u5212\u4f60\u7684\u6708\u5ea6\u9884\u7b97\u3002<\/b><span style=\"font-weight: 400;\">\u9664\u4e86\u7b80\u5316\u4f60\u7684\u8fd8\u6b3e\u4f53\u9a8c\u5916\uff0c\u56fa\u5b9a\u5229\u7387\u5b66\u751f\u52a9\u5b66\u91d1\u4e5f\u4f7f\u9884\u7b97\u66f4\u5bb9\u6613\u3002\u7531\u4e8e\u6bcf\u6708\u7684\u652f\u4ed8\u91d1\u989d\u662f\u53ef\u9884\u6d4b\u7684\uff0c\u56f4\u7ed5\u5176\u4ed6\u8d22\u52a1\u76ee\u6807\u548c\u8d23\u4efb\u7684\u89c4\u5212\u5c31\u4e0d\u90a3\u4e48\u5177\u6709\u6311\u6218\u6027\u3002\u4f60\u4f1a\u6e05\u695a\u5730\u77e5\u9053\u5728\u652f\u4ed8\u52a9\u5b66\u91d1\u4e4b\u540e\uff0c\u4f60\u7684\u9884\u7b97\u8fd8\u5269\u4e0b\u591a\u5c11\u3002<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">\u5c3d\u7ba1\u56fd\u9645\u5b66\u751f\u52a9\u5b66\u91d1\u56fa\u5b9a\u5229\u7387\u7684\u597d\u5904\u5f88\u660e\u663e\uff0c\u4f46\u8fd8\u6709\u5176\u4ed6\u9700\u8981\u8003\u8651\u7684\u56e0\u7d20\u3002<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">\u56fa\u5b9a\u5229\u7387\u8d37\u6b3e\u7684\u7f3a\u70b9<\/span><\/h3>\n<ul>\n<li aria-level=\"1\"><b>\u4f60\u7684\u8d77\u59cb\u5229\u7387\u53ef\u80fd\u4f1a\u66f4\u9ad8\u3002 <\/b><span style=\"font-weight: 400;\">\u7531\u4e8e\u8d37\u6b3e\u673a\u6784\u6ca1\u6709\u673a\u4f1a\u5728\u540e\u671f\u63d0\u9ad8\u56fa\u5b9a\u5229\u7387\uff0c\u56e0\u6b64\u8d77\u59cb\u56fa\u5b9a\u5229\u7387\u53ef\u80fd\u4f1a\u9ad8\u4e8e\u53ef\u53d8\u5229\u7387\u3002<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-level=\"1\"><b>\u4f60\u65e0\u6cd5\u4ece\u4f4e\u5229\u7387\u5e02\u573a\u4e2d\u53d7\u76ca\u3002 <\/b><span style=\"font-weight: 400;\">\u5728\u5e02\u573a\u5229\u7387\u4f4e\u7684\u65f6\u671f\uff0c\u53ef\u53d8\u5229\u7387\u53ef\u80fd\u4f1a\u4e0b\u964d\u3002\u5bf9\u4e8e\u56fa\u5b9a\u5229\u7387\uff0c\u5373\u4f7f\u4e0e\u5e02\u573a\u6bd4\u8f83\u4f60\u7684\u539f\u59cb\u5229\u7387\u8f83\u9ad8\uff0c\u4f60\u4e5f\u4f1a\u88ab\u6309\u7167\u4f60\u7684\u539f\u59cb\u5229\u7387\u6536\u8d39\u3002\u8fd9\u79cd\u65b9\u5f0f\u98ce\u9669\u8f83\u5c0f\uff0c\u4f46\u610f\u5473\u7740\u5728\u4f4e\u5229\u7387\u73af\u5883\u4e2d\u4f60\u53ef\u80fd\u9700\u8981\u652f\u4ed8\u66f4\u591a\u3002<\/span><\/li>\n<\/ul>\n<h2><span style=\"font-weight: 400;\">\u53ef\u53d8\u5229\u7387\u5b66\u751f\u52a9\u5b66\u91d1<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">\u53ef\u53d8\u5229\u7387\u5b66\u751f\u52a9\u5b66\u91d1\u662f\u4e00\u79cd\u5229\u7387\u53ef\u4ee5\u968f\u65f6\u95f4\u8c03\u6574\u7684\u6559\u80b2\u8d37\u6b3e\u3002\u53ef\u53d8\u5229\u7387\u7531\u4e24\u4e2a\u7ec4\u6210\u90e8\u5206\u786e\u5b9a\uff1a\u57fa\u51c6\u548c\u5229\u5dee\u3002\u53ef\u53d8\u57fa\u51c6\u7528\u4e8e\u5b9a\u4ef7\u5b8f\u89c2\u7ecf\u6d4e\u98ce\u9669\uff0c\u56fa\u5b9a\u5229\u5dee\u7528\u4e8e\u8bc4\u4f30\u5411\u4e2a\u4eba\u501f\u6b3e\u4eba\u653e\u8d37\u7684\u98ce\u9669\u3002<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u57fa\u51c6\u5229\u7387\u6839\u636e\u672c\u5730\u548c\u5168\u7403\u7ecf\u6d4e\u56e0\u7d20\u6ce2\u52a8\u3002\u8d37\u6b3e\u673a\u6784\u901a\u5e38\u5c06\u57fa\u51c6\u4e0e\u67d0\u4e2a\u6307\u6570\uff08\u5982<\/span><span style=\"font-weight: 400;\">Secured Overnight Financing Rate (SOFR)\uff09\u6302\u94a9\u3002<\/span><span style=\"font-weight: 400;\"><\/span><\/p>\n<p><span style=\"font-weight: 400;\">SOFR\u662f\u7528\u4e8e\u79c1\u4eba\u5b66\u751f\u52a9\u5b66\u91d1\u7684\u6700\u5e38\u89c1\u6307\u6570\u4e4b\u4e00\u3002\u901a\u8fc7\u8fd9\u79cd\u4ea7\u54c1\uff0c\u8d37\u6b3e\u673a\u6784\u5c06\u5229\u7387\u98ce\u9669\u8f6c\u5ac1\u7ed9\u501f\u6b3e\u4eba\uff0c\u5c24\u5176\u662f\u5728\u5229\u7387\u4e0a\u5347\u7684\u73af\u5883\u4e2d\u3002<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u4e00\u4e9b\u8d37\u6b3e\u673a\u6784\u6267\u884c\u5229\u7387\u4e0a\u9650\uff0c\u8fd9\u662f\u4f60\u53ef\u4ee5\u88ab\u6536\u53d6\u7684\u6700\u9ad8\u5229\u7387\uff0c\u65e0\u8bba\u5e02\u573a\u6761\u4ef6\u5982\u4f55\u3002\u4e00\u4e9b\u8d37\u6b3e\u673a\u6784\u4e5f\u6267\u884c\u5229\u7387\u4e0b\u9650\uff0c\u8fd9\u662f\u4f60\u53ef\u4ee5\u88ab\u6536\u53d6\u7684\u6700\u4f4e\u5229\u7387\uff0c\u65e0\u8bba\u57fa\u51c6\u6307\u6570\u4e0b\u964d\u5230\u591a\u4f4e\u3002<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">\u53ef\u53d8\u5229\u7387\u8d37\u6b3e\u7684\u4f18\u70b9<\/span><\/h3>\n<ul>\n<li aria-level=\"1\"><b>\u4f60\u7684\u53ef\u53d8\u8d77\u59cb\u5229\u7387\u53ef\u80fd\u4f1a\u66f4\u4f4e\u3002 <\/b><span style=\"font-weight: 400;\">\u53ef\u53d8\u5229\u7387\u5b66\u751f\u52a9\u5b66\u91d1\u7684\u521d\u59cb\u5229\u7387\u901a\u5e38\u6bd4\u56fa\u5b9a\u5229\u7387\u8d37\u6b3e\u7684\u8d77\u59cb\u5229\u7387\u4f4e\u3002\u5c3d\u7ba1\u53ef\u53d8\u5229\u7387\u53ef\u80fd\u4f1a\u53d8\u52a8\uff0c\u4f46\u81f3\u5c11\u6709\u4e00\u6bb5\u65f6\u95f4\uff0c\u4f60\u7684\u5229\u606f\u6536\u8d39\u4f1a\u8f83\u4f4e\u3002<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-level=\"1\"><b>\u4f60\u53ef\u80fd\u4f1a\u7ecf\u5386\u5229\u7387\u4e0b\u964d\u3002 <\/b><span style=\"font-weight: 400;\">\u5982\u679c\u5e02\u573a\u5229\u7387\u6761\u4ef6\u5bfc\u81f4\u4f60\u7684\u5229\u7387\u4e0b\u964d\uff0c\u90a3\u4e48\u53ef\u80fd\u4f1a\u6682\u65f6\u964d\u4f4e\u4f60\u7684\u6708\u5ea6\u52a9\u5b66\u91d1\u652f\u4ed8\u989d\u3002<\/span><\/li>\n<\/ul>\n<h3><span style=\"font-weight: 400;\">\u53ef\u53d8\u5229\u7387\u8d37\u6b3e\u7684\u7f3a\u70b9<\/span><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>\u4f60\u7684\u5229\u7387\u4f1a\u6ce2\u52a8\u3002 <\/b><span style=\"font-weight: 400;\">\u53ef\u53d8\u5229\u7387\u968f\u7740\u4f60\u7684\u8d37\u6b3e\u673a\u6784\u9075\u5faa\u7684\u57fa\u51c6\u6307\u6570\u7684\u6da8\u843d\u800c\u6da8\u843d\u3002 <\/span><b>\u00a0<\/b><b><br \/>\n<\/b><\/li>\n<\/ul>\n<ul>\n<li aria-level=\"1\"><b>\u4f60\u6bcf\u6708\u7684\u652f\u4ed8\u91d1\u989d\u662f\u4e0d\u786e\u5b9a\u7684\u3002<\/b><span style=\"font-weight: 400;\">\u5229\u7387\u53ef\u4ee5\u5b9a\u671f\u8c03\u6574\uff0c\u56e0\u6b64\u5f88\u96be\u786e\u5b9a\u4f60\u6bcf\u4e2a\u6708\u9700\u8981\u652f\u4ed8\u591a\u5c11\u3002<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/li>\n<\/ul>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>\u4f60\u53ef\u80fd\u4f1a\u53d1\u73b0\u89c4\u5212\u6708\u5ea6\u9884\u7b97\u66f4\u56f0\u96be\u3002<\/b><span style=\"font-weight: 400;\">\u53ef\u53d8\u5229\u7387\u7684\u6ce2\u52a8\u6027\u610f\u5473\u7740\u4f60\u603b\u662f\u9700\u8981\u4e3a\u5229\u7387\u4e0a\u5347\u505a\u597d\u8d22\u52a1\u51c6\u5907\u3002\u8fd9\u53ef\u80fd\u4f7f\u9884\u7b97\u89c4\u5212\u53d8\u5f97\u66f4\u590d\u6742\u3002<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-level=\"1\"><b>\u9884\u6d4b\u4f60\u7684\u501f\u6b3e\u603b\u6210\u672c\u53ef\u80fd\u4f1a\u5f88\u56f0\u96be\u3002 <\/b><span style=\"font-weight: 400;\">\u7531\u4e8e\u4f60\u65e0\u6cd5\u9884\u6d4b\u4f60\u7684\u53ef\u53d8\u5229\u7387\u4f55\u65f6\u4f1a\u53d8\u52a8\uff0c\u56e0\u6b64\u8ba1\u7b97\u6559\u80b2\u8d37\u6b3e\u5728\u4e00\u6bb5\u65f6\u95f4\u5185\u5c06\u82b1\u8d39\u4f60\u591a\u5c11\u662f\u5177\u6709\u6311\u6218\u6027\u7684\u3002\u6839\u636e\u5e02\u573a\u60c5\u51b5\uff0c\u53ef\u53d8\u5229\u7387\u53ef\u80fd\u5728\u524d\u671f\u66f4\u4fbf\u5b9c\uff0c\u4f46\u5728\u957f\u671f\u5185\u53ef\u80fd\u66f4\u6602\u8d35\u3002<\/span><\/li>\n<\/ul>\n<h2><span style=\"font-weight: 400;\">\u56fa\u5b9a\u4e0e\u53ef\u53d8\u5229\u7387\uff1a\u9009\u62e9\u54ea\u79cd\u5229\u7387\u7c7b\u578b<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">\u6700\u7ec8\uff0c\u6ca1\u6709\u4e00\u79cd\u9002\u5408\u6240\u6709\u4eba\u7684\u65b9\u6cd5\u6765\u9009\u62e9\u9002\u5408\u4f60\u7684\u5229\u7387\u3002\u8fd9\u53d6\u51b3\u4e8e\u4f60\u7684\u8fd8\u6b3e\u76ee\u6807\u4ee5\u53ca\u4f60\u5bf9\u8d22\u52a1\u53d8\u52a8\u7684\u5fc3\u7406\u548c\u8d22\u52a1\u627f\u53d7\u80fd\u529b\u3002<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u56fa\u5b9a\u5229\u7387\uff0c<\/span><a href=\"https:\/\/www.mpowerfinancing.com\/get-a-loan\"><span style=\"font-weight: 400;\">MPOWER Financing\u63d0\u4f9b<\/span><\/a><span style=\"font-weight: 400;\">\u7684\u53ef\u80fd\u662f\u4e00\u4e2a\u597d\u9009\u62e9\uff0c\u5982\u679c\u4f60\u66f4\u559c\u6b22\u7a33\u5b9a\u7684\u5229\u7387\u548c\u6708\u4ed8\u6b3e\uff0c\u6216\u8005\u4f60\u7684\u6536\u5165\u65e0\u6cd5\u627f\u53d7\u7a81\u7136\u7684\u652f\u4ed8\u589e\u52a0\u3002\u5982\u679c\u4f60\u7684\u8d22\u52a1\u72b6\u51b5\u7a33\u5b9a\uff0c\u4f60\u80fd\u591f\u627f\u53d7\u53ef\u80fd\u4f1a\u66f4\u9ad8\u7684\u6708\u5ea6\u652f\u4ed8\uff0c\u90a3\u4e48\u8f83\u4f4e\u7684\u8d77\u59cb\u53ef\u53d8\u5229\u7387\u548c\u652f\u4ed8\u53ef\u80fd\u662f\u503c\u5f97\u7684\u3002<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u9009\u62e9\u7528\u4e8e\u5728\u7f8e\u56fd\u6216\u52a0\u62ff\u5927\u7559\u5b66\u7684\u5b66\u751f\u52a9\u5b66\u91d1\u65f6\uff0c\u56fd\u9645\u5b66\u751f\u5e94\u8003\u8651\u7684\u5173\u952e\u56e0\u7d20\u4e4b\u4e00\u662f\u9009\u62e9\u56fa\u5b9a\u5229\u7387\u8fd8\u662f\u53ef\u53d8\u5229\u7387\u7684\u52a9\u5b66\u91d1\u3002 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