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买房还差点首付咋办 - 版本历史
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2022年10月4日 (二) 23:31 Oper
2022-10-04T23:31:49Z
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<td colspan="2" style="background-color: #fff; color: #202122; text-align: center;">←上一版本</td>
<td colspan="2" style="background-color: #fff; color: #202122; text-align: center;">2022年10月5日 (三) 07:31的版本</td>
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<tr><td class="diff-marker" data-marker="−"></td><td style="color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #ffe49c; vertical-align: top; white-space: pre-wrap;"><div><del style="font-weight: bold; text-decoration: none;"><div class="weui-dialog__ft"></del></div></td><td colspan="2" class="diff-side-added"></td></tr>
<tr><td class="diff-marker" data-marker="−"></td><td style="color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #ffe49c; vertical-align: top; white-space: pre-wrap;"><div><del style="font-weight: bold; text-decoration: none;"></del></div></td><td colspan="2" class="diff-side-added"></td></tr>
<tr><td class="diff-marker" data-marker="−"></td><td style="color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #ffe49c; vertical-align: top; white-space: pre-wrap;"><div><del style="font-weight: bold; text-decoration: none;">[javascript:void(0); 取消] [javascript:void(0); 允许]</del></div></td><td colspan="2" class="diff-side-added"></td></tr>
<tr><td class="diff-marker" data-marker="−"></td><td style="color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #ffe49c; vertical-align: top; white-space: pre-wrap;"><div><del style="font-weight: bold; text-decoration: none;"></del></div></td><td colspan="2" class="diff-side-added"></td></tr>
<tr><td class="diff-marker" data-marker="−"></td><td style="color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #ffe49c; vertical-align: top; white-space: pre-wrap;"><div><del style="font-weight: bold; text-decoration: none;"></div></del></div></td><td colspan="2" class="diff-side-added"></td></tr>
<tr><td class="diff-marker" data-marker="−"></td><td style="color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #ffe49c; vertical-align: top; white-space: pre-wrap;"><div><del style="font-weight: bold; text-decoration: none;"></del></div></td><td colspan="2" class="diff-side-added"></td></tr>
<tr><td class="diff-marker" data-marker="−"></td><td style="color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #ffe49c; vertical-align: top; white-space: pre-wrap;"><div><del style="font-weight: bold; text-decoration: none;"></div></del></div></td><td colspan="2" class="diff-side-added"></td></tr>
<tr><td class="diff-marker" data-marker="−"></td><td style="color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #ffe49c; vertical-align: top; white-space: pre-wrap;"><div><del style="font-weight: bold; text-decoration: none;"></del></div></td><td colspan="2" class="diff-side-added"></td></tr>
<tr><td class="diff-marker" data-marker="−"></td><td style="color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #ffe49c; vertical-align: top; white-space: pre-wrap;"><div><del style="font-weight: bold; text-decoration: none;"></div></del></div></td><td colspan="2" class="diff-side-added"></td></tr>
<tr><td class="diff-marker" data-marker="−"></td><td style="color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #ffe49c; vertical-align: top; white-space: pre-wrap;"><div><del style="font-weight: bold; text-decoration: none;"><div id="js_link_dialog" role="dialog" tabindex="0" aria-labelledby="js_link_dialog_body" style="display:none;" aria-modal="true"></del></div></td><td colspan="2" class="diff-side-added"></td></tr>
<tr><td class="diff-marker" data-marker="−"></td><td style="color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #ffe49c; vertical-align: top; white-space: pre-wrap;"><div><del style="font-weight: bold; text-decoration: none;"></del></div></td><td colspan="2" class="diff-side-added"></td></tr>
<tr><td class="diff-marker" data-marker="−"></td><td style="color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #ffe49c; vertical-align: top; white-space: pre-wrap;"><div><del style="font-weight: bold; text-decoration: none;"><div class="weui-mask"></del></div></td><td colspan="2" class="diff-side-added"></td></tr>
<tr><td class="diff-marker" data-marker="−"></td><td style="color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #ffe49c; vertical-align: top; white-space: pre-wrap;"><div><del style="font-weight: bold; text-decoration: none;"></del></div></td><td colspan="2" class="diff-side-added"></td></tr>
<tr><td class="diff-marker" data-marker="−"></td><td style="color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #ffe49c; vertical-align: top; white-space: pre-wrap;"><div><del style="font-weight: bold; text-decoration: none;"></del></div></td><td colspan="2" class="diff-side-added"></td></tr>
<tr><td class="diff-marker" data-marker="−"></td><td style="color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #ffe49c; vertical-align: top; white-space: pre-wrap;"><div><del style="font-weight: bold; text-decoration: none;"></div></del></div></td><td colspan="2" class="diff-side-added"></td></tr>
<tr><td class="diff-marker" data-marker="−"></td><td style="color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #ffe49c; vertical-align: top; white-space: pre-wrap;"><div><del style="font-weight: bold; text-decoration: none;"><div class="weui-dialog weui-dialog_link"></del></div></td><td colspan="2" class="diff-side-added"></td></tr>
<tr><td class="diff-marker" data-marker="−"></td><td style="color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #ffe49c; vertical-align: top; white-space: pre-wrap;"><div><del style="font-weight: bold; text-decoration: none;"></del></div></td><td colspan="2" class="diff-side-added"></td></tr>
<tr><td class="diff-marker" data-marker="−"></td><td style="color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #ffe49c; vertical-align: top; white-space: pre-wrap;"><div><del style="font-weight: bold; text-decoration: none;"><div class="weui-dialog__hd"></del></div></td><td colspan="2" class="diff-side-added"></td></tr>
<tr><td class="diff-marker" data-marker="−"></td><td style="color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #ffe49c; vertical-align: top; white-space: pre-wrap;"><div><del style="font-weight: bold; text-decoration: none;"></del></div></td><td colspan="2" class="diff-side-added"></td></tr>
<tr><td class="diff-marker" data-marker="−"></td><td style="color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #ffe49c; vertical-align: top; white-space: pre-wrap;"><div><del style="font-weight: bold; text-decoration: none;">'</del></div></td><td colspan="2" class="diff-side-added"></td></tr>
<tr><td class="diff-marker" data-marker="−"></td><td style="color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #ffe49c; vertical-align: top; white-space: pre-wrap;"><div><del style="font-weight: bold; text-decoration: none;"></del></div></td><td colspan="2" class="diff-side-added"></td></tr>
<tr><td class="diff-marker" data-marker="−"></td><td style="color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #ffe49c; vertical-align: top; white-space: pre-wrap;"><div><del style="font-weight: bold; text-decoration: none;"></div></del></div></td><td colspan="2" class="diff-side-added"></td></tr>
<tr><td class="diff-marker" data-marker="−"></td><td style="color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #ffe49c; vertical-align: top; white-space: pre-wrap;"><div><del style="font-weight: bold; text-decoration: none;"><div id="js_link_dialog_body" class="weui-dialog__bd" tabindex="0"></del></div></td><td colspan="2" class="diff-side-added"></td></tr>
<tr><td class="diff-marker" data-marker="−"></td><td style="color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #ffe49c; vertical-align: top; white-space: pre-wrap;"><div><del style="font-weight: bold; text-decoration: none;"></del></div></td><td colspan="2" class="diff-side-added"></td></tr>
<tr><td class="diff-marker" data-marker="−"></td><td style="color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #ffe49c; vertical-align: top; white-space: pre-wrap;"><div><del style="font-weight: bold; text-decoration: none;"></del></div></td><td colspan="2" class="diff-side-added"></td></tr>
<tr><td class="diff-marker" data-marker="−"></td><td style="color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #ffe49c; vertical-align: top; white-space: pre-wrap;"><div><del style="font-weight: bold; text-decoration: none;"></div></del></div></td><td colspan="2" class="diff-side-added"></td></tr>
<tr><td class="diff-marker" data-marker="−"></td><td style="color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #ffe49c; vertical-align: top; white-space: pre-wrap;"><div><del style="font-weight: bold; text-decoration: none;"><div class="weui-dialog__ft"></del></div></td><td colspan="2" class="diff-side-added"></td></tr>
<tr><td class="diff-marker" data-marker="−"></td><td style="color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #ffe49c; vertical-align: top; white-space: pre-wrap;"><div><del style="font-weight: bold; text-decoration: none;"></del></div></td><td colspan="2" class="diff-side-added"></td></tr>
<tr><td class="diff-marker" data-marker="−"></td><td style="color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #ffe49c; vertical-align: top; white-space: pre-wrap;"><div><del style="font-weight: bold; text-decoration: none;">[javascript:void(0); 取消] [javascript:void(0); 允许]<span id="js_a11y_like_btn_tips" class="weui-a11y_ref" aria-hidden="true" style="display:none">，轻点两下取消在看</span></del></div></td><td colspan="2" class="diff-side-added"></td></tr>
<tr><td class="diff-marker" data-marker="−"></td><td style="color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #ffe49c; vertical-align: top; white-space: pre-wrap;"><div><del style="font-weight: bold; text-decoration: none;"></del></div></td><td colspan="2" class="diff-side-added"></td></tr>
<tr><td class="diff-marker" data-marker="−"></td><td style="color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #ffe49c; vertical-align: top; white-space: pre-wrap;"><div><del style="font-weight: bold; text-decoration: none;"></div></del></div></td><td colspan="2" class="diff-side-added"></td></tr>
<tr><td class="diff-marker" data-marker="−"></td><td style="color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #ffe49c; vertical-align: top; white-space: pre-wrap;"><div><del style="font-weight: bold; text-decoration: none;"></del></div></td><td colspan="2" class="diff-side-added"></td></tr>
<tr><td class="diff-marker" data-marker="−"></td><td style="color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #ffe49c; vertical-align: top; white-space: pre-wrap;"><div><del style="font-weight: bold; text-decoration: none;"></div></del></div></td><td colspan="2" class="diff-side-added"></td></tr>
<tr><td class="diff-marker" data-marker="−"></td><td style="color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #ffe49c; vertical-align: top; white-space: pre-wrap;"><div><del style="font-weight: bold; text-decoration: none;"></del></div></td><td colspan="2" class="diff-side-added"></td></tr>
<tr><td class="diff-marker" data-marker="−"></td><td style="color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #ffe49c; vertical-align: top; white-space: pre-wrap;"><div><del style="font-weight: bold; text-decoration: none;"></div><div id="js_profile_ban" style="display: none;"></del></div></td><td colspan="2" class="diff-side-added"></td></tr>
<tr><td class="diff-marker" data-marker="−"></td><td style="color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #ffe49c; vertical-align: top; white-space: pre-wrap;"><div><del style="font-weight: bold; text-decoration: none;"></del></div></td><td colspan="2" class="diff-side-added"></td></tr>
<tr><td class="diff-marker" data-marker="−"></td><td style="color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #ffe49c; vertical-align: top; white-space: pre-wrap;"><div><del style="font-weight: bold; text-decoration: none;"><div class="weui-mask_transparent"></del></div></td><td colspan="2" class="diff-side-added"></td></tr>
<tr><td class="diff-marker" data-marker="−"></td><td style="color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #ffe49c; vertical-align: top; white-space: pre-wrap;"><div><del style="font-weight: bold; text-decoration: none;"></del></div></td><td colspan="2" class="diff-side-added"></td></tr>
<tr><td class="diff-marker" data-marker="−"></td><td style="color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #ffe49c; vertical-align: top; white-space: pre-wrap;"><div><del style="font-weight: bold; text-decoration: none;"></del></div></td><td colspan="2" class="diff-side-added"></td></tr>
<tr><td class="diff-marker" data-marker="−"></td><td style="color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #ffe49c; vertical-align: top; white-space: pre-wrap;"><div><del style="font-weight: bold; text-decoration: none;"></div></del></div></td><td colspan="2" class="diff-side-added"></td></tr>
<tr><td class="diff-marker" data-marker="−"></td><td style="color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #ffe49c; vertical-align: top; white-space: pre-wrap;"><div><del style="font-weight: bold; text-decoration: none;"><div class="weui-toast"></del></div></td><td colspan="2" class="diff-side-added"></td></tr>
<tr><td class="diff-marker" data-marker="−"></td><td style="color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #ffe49c; vertical-align: top; white-space: pre-wrap;"><div><del style="font-weight: bold; text-decoration: none;"></del></div></td><td colspan="2" class="diff-side-added"></td></tr>
<tr><td class="diff-marker" data-marker="−"></td><td style="color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #ffe49c; vertical-align: top; white-space: pre-wrap;"><div><del style="font-weight: bold; text-decoration: none;">'</del></div></td><td colspan="2" class="diff-side-added"></td></tr>
<tr><td class="diff-marker" data-marker="−"></td><td style="color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #ffe49c; vertical-align: top; white-space: pre-wrap;"><div><del style="font-weight: bold; text-decoration: none;">该账号因违规无法跳转</del></div></td><td colspan="2" class="diff-side-added"></td></tr>
<tr><td class="diff-marker" data-marker="−"></td><td style="color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #ffe49c; vertical-align: top; white-space: pre-wrap;"><div><del style="font-weight: bold; text-decoration: none;"></div></del></div></td><td colspan="2" class="diff-side-added"></td></tr>
<tr><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><br/></td><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><br/></td></tr>
<tr><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><div></div></div></td><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><div></div></div></td></tr>
</table>
Oper
https://fang1234.cn/index.php?title=%E4%B9%B0%E6%88%BF%E8%BF%98%E5%B7%AE%E7%82%B9%E9%A6%96%E4%BB%98%E5%92%8B%E5%8A%9E&diff=14&oldid=prev
2022年10月4日 (二) 23:28 Oper
2022-10-04T23:28:32Z
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<table style="background-color: #fff; color: #202122;" data-mw="interface">
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<td colspan="2" style="background-color: #fff; color: #202122; text-align: center;">←上一版本</td>
<td colspan="2" style="background-color: #fff; color: #202122; text-align: center;">2022年10月5日 (三) 07:28的版本</td>
</tr><tr><td colspan="2" class="diff-lineno" id="mw-diff-left-l1">第1行：</td>
<td colspan="2" class="diff-lineno">第1行：</td></tr>
<tr><td class="diff-marker" data-marker="−"></td><td style="color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #ffe49c; vertical-align: top; white-space: pre-wrap;"><div><div id="js_article" class="rich_media" style="position:relative;"><div id="js_base_container" class="rich_media_inner"></div></td><td class="diff-marker" data-marker="+"></td><td style="color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #a3d3ff; vertical-align: top; white-space: pre-wrap;"><div><div id="js_article" class="rich_media" style="position:relative;"><div id="js_base_container" class="rich_media_inner"><div id="page-content" class="rich_media_area_primary"></div></td></tr>
<tr><td class="diff-marker" data-marker="−"></td><td style="color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #ffe49c; vertical-align: top; white-space: pre-wrap;"><div> </div></td><td colspan="2" class="diff-side-added"></td></tr>
<tr><td class="diff-marker" data-marker="−"></td><td style="color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #ffe49c; vertical-align: top; white-space: pre-wrap;"><div><div id="page-content" class="rich_media_area_primary"></div></td><td colspan="2" class="diff-side-added"></td></tr>
<tr><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><br/></td><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><br/></td></tr>
<tr><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><div><div class="rich_media_area_primary_inner"><div id="img-content" class="rich_media_wrp"></div></td><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><div><div class="rich_media_area_primary_inner"><div id="img-content" class="rich_media_wrp"></div></td></tr>
<tr><td colspan="2" class="diff-lineno" id="mw-diff-left-l22">第22行：</td>
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Oper：创建页面，内容为“<div id="js_article" class="rich_media" style="position:relative;"><div id="js_base_container" class="rich_media_inner"> <div id="page-content" class="rich_media_area_primary"> <div class="rich_media_area_primary_inner"><div id="img-content" class="rich_media_wrp"> <span id="copyright_logo" class="wx_tap_link js_wx_tap_highlight rich_media_meta icon_appmsg_tag appmsg_title_tag weui-wa-hotarea">原创</span> <span class="rich_media_meta rich_media_meta_text">…”
2022-10-04T01:48:44Z
<p>创建页面，内容为“<div id="js_article" class="rich_media" style="position:relative;"><div id="js_base_container" class="rich_media_inner"> <div id="page-content" class="rich_media_area_primary"> <div class="rich_media_area_primary_inner"><div id="img-content" class="rich_media_wrp"> <span id="copyright_logo" class="wx_tap_link js_wx_tap_highlight rich_media_meta icon_appmsg_tag appmsg_title_tag weui-wa-hotarea">原创</span> <span class="rich_media_meta rich_media_meta_text">…”</p>
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<span id="copyright_logo" class="wx_tap_link js_wx_tap_highlight rich_media_meta icon_appmsg_tag appmsg_title_tag weui-wa-hotarea">原创</span> <span class="rich_media_meta rich_media_meta_text"> 唐老师傅 </span> <span id="profileBt" class="rich_media_meta rich_media_meta_nickname"> [唐老师傅Pro] </span><br />
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'''唐老师傅Pro''' [[File:https://mp.weixin.qq.com/s/Kjs2bu_bhWoqs3WHbGhMsQ|class=profile_avatar]]<br />
微信号 <span class="profile_meta_value">tanglaoshifupro</span><br />
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功能介绍 <span class="profile_meta_value">可能是东半球最熟深圳楼市的人之一！</span><br />
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<span id="js_profile_arrow_wrp" class="profile_arrow_wrp"> '<nowiki/>''' '''' </span><br />
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''2022-09-17 23:52'' ''发表于<span id="js_ip_wording">广东</span>''<div id="js_tags" class="article-tag__list single-tag__wrp js_single js_wx_tap_highlight wx_tap_card" data-len="1" role="link" tabindex="0" aria-labelledby="js_article-tag-card__left js_a11y_comma js_article-tag-card__right"><br />
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<span style="letter-spacing: 0.5px; font-size: 16px; visibility: visible;">接触的购房者多了，时不时就能遇到因为各种原因差点首付的群体，想咨询有啥好的解决方案。</span><br />
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<span style="letter-spacing: 0.5px; font-size: 16px; visibility: visible;">听说有些信用贷不上征信，可以搞出来做首付，是不是真的。</span><br />
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<span style="letter-spacing: 0.5px; font-size: 16px; color: rgb(0, 122, 170); visibility: visible;">如果要搞怎么整会划算点，听说现在首付资金查的严，怎么来规避资金合规的问题巴拉巴拉巴拉。。。。</span><br />
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<span style="letter-spacing: 0.5px; font-size: 16px; visibility: visible;">正好我以前也是信贷居间的从业人员，前几个月买房前刚好也遇到该问题，于是又打听了一遍行情。</span><br />
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<span style="letter-spacing: 0.5px; font-size: 16px; visibility: visible;">对这玩意的理解应该还行，所以这篇来简单分享下看法。</span><br />
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'''<span style="letter-spacing: 0.5px; font-size: 16px; color: rgb(0, 122, 170); visibility: visible;">一、</span>'''<br />
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<span style="letter-spacing: 0.5px;font-size: 16px;">大家得先明白，不同的资金去向和回款来源/风控难度，构成了如今多种多样的贷款产品。</span><br />
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<span style="letter-spacing: 0.5px;font-size: 16px;">在这些产品的综合条件中，有个鄙视链是一直不变的，这链条越下游代表着成本越高：</span><br />
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<span style="letter-spacing: 0.5px;font-size: 16px;color: rgb(0, 122, 170);">抵押贷＞信用贷</span><span style="letter-spacing: 0.5px;color: rgb(0, 122, 170);font-size: 14px;">（先息后本＞等本等息）</span><span style="letter-spacing: 0.5px;font-size: 16px;color: rgb(0, 122, 170);">＞信用卡＞消费金融＞民间机构</span><br />
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<span style="letter-spacing: 0.5px;font-size: 16px;">抵押贷</span><span style="letter-spacing: 0.5px;color: rgb(178, 178, 178);font-size: 14px;">（目前普遍年化3.5-3.8%）</span><span style="letter-spacing: 0.5px;font-size: 16px;">是最佳的选择，只不过大部分人都不具备这条件。</span><br />
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<span style="letter-spacing: 0.5px;font-size: 16px;">通常顺位最优解通常是信用贷，只要是在深圳正经打工</span><span style="letter-spacing: 0.5px;font-size: 14px;color: rgb(178, 178, 178);">（公司越大越好）</span><span style="letter-spacing: 0.5px;font-size: 16px;">，公积金基数过万。</span><br />
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<span style="letter-spacing: 0.5px;font-size: 16px;">不同银行家手机app都能看到相关的信用贷产品，就比如招行的闪电贷，建行的快贷之类的，在上面点几下额度就出来了，再点几下钱就到账了。</span><br />
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<span style="letter-spacing: 0.5px;font-size: 16px;">普遍年化利率都在5-7%左右，一年先息后本，到期需要过桥还清重新申请，作为过渡性的资金而言，比较友好了。</span><br />
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<span style="letter-spacing: 0.5px;font-size: 16px;color: rgb(0, 122, 170);">但这个思路有个致命点，由于是正经的信用贷会上征信，那么单身或结婚的状态下，买在自己或配偶名下。</span><br />
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<span style="letter-spacing: 0.5px;font-size: 16px;">在申请房贷时银行都能查到，要么会要求结清信用贷，要么直接就房贷申请不下来，得不偿失。</span><br />
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<span style="letter-spacing: 0.5px;font-size: 16px;">这个方案，只能是信用贷借款人和购房人是完全独立的主体</span><span style="letter-spacing: 0.5px;font-size: 14px;color: rgb(178, 178, 178);">（不是同个人并未婚）</span><span style="letter-spacing: 0.5px;font-size: 16px;">，才能平稳落地的实现。</span><br />
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'''<span style="letter-spacing: 0.5px;font-size: 16px;color: rgb(0, 122, 170);">二、</span>'''<br />
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<span style="letter-spacing: 0.5px;font-size: 16px;">也正是被征信卡着，大多人就想着，是不是找各不上征信的产品就完事了。</span><br />
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<span style="letter-spacing: 0.5px;font-size: 16px;">但上述产品当中就只有民间机构的贷款不上征信，通常市场上以中原乐贷为代表的主流首付贷，都是这类型。</span><br />
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<span style="letter-spacing: 0.5px;font-size: 16px;">宣传说的天花乱坠，最低一成首付，月息才七厘，最长三年分期，结果一了解发现，就是个坑。</span><br />
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<span style="letter-spacing: 0.5px;font-size: 16px;color: rgb(0, 122, 170);">月息0.7%*12，年息就8.4%了，由于的等本等息的还款方式，本金持续换利息不变，所以综合利率其实是两倍，年成本超16%，这还没算手续费。</span><br />
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<span style="letter-spacing: 0.5px;font-size: 16px;">这也就算了，额度并不是跟着要买的房子走，也是要根据购房人自身征信条件给授信，每50万授信还必须要找到个担保人上他的征信才行。。。</span><br />
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<span style="letter-spacing: 0.5px;font-size: 16px;">限制和苛刻程度多到离谱。想拿他点钱是真不容易。</span><br />
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<span style="letter-spacing: 0.5px;font-size: 16px;">我就好奇了，要是朋友资质好且能接受上征信，那直接让他在手机银行点几下代借信用贷不就完事了，那用得着他这高利贷。。</span><br />
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<span style="letter-spacing: 0.5px;font-size: 16px;color: rgb(0, 122, 170);">三、</span><br />
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<span style="letter-spacing: 0.5px;font-size: 16px;">常规的找银行和机构借钱思路，条件限制或成本不太理想，很多人顺其自然会打低首付房源的主意。</span><br />
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<span style="letter-spacing: 0.5px;font-size: 16px;">就比如新房项目，开发商因为房子不好卖，能接受其中一两成首期款分期，或者开发商贴息让机构垫首付。</span><br />
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<span style="letter-spacing: 0.5px;font-size: 16px;">又或者买个便宜点的二手房，尽量找价格便宜点，评估价高一些的，找担保公司全款垫钱买下来，然后找银行抵押出高额度，换掉担保公司钱，实现低首付。</span><br />
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<span style="letter-spacing: 0.5px;font-size: 16px;">只是这两种思路的也都蛮坑的。</span><br />
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<span style="letter-spacing: 0.5px;font-size: 16px;">1，低首付的新房项目，通常楼盘的性价比都不太行，好的盘子显然都不会这样干。</span><br />
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<span style="letter-spacing: 0.5px;font-size: 16px;color: rgb(0, 122, 170);">只是图他低首付，买过来的代价太大了，有点本末倒置。</span><br />
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<span style="letter-spacing: 0.5px;font-size: 16px;">2，全款抵押前段时间就写过篇《</span>[http://mp.weixin.qq.com/s?__biz=Mzg2MzcwODU2Mg==&mid=2247487305&idx=1&sn=10bf8f0caf44d52b3a3423960ca3c131&chksm=ce753bb4f902b2a2dc2b61a7f8f903922d03521f9b02e745d715b0bf3d0dcfb08c4288899481&scene=21#wechat_redirect <span style="letter-spacing: 0.5px;font-size: 16px;text-decoration: underline;">全款抵押思路的风险</span>]<span style="letter-spacing: 0.5px;font-size: 16px;">》，具体写了实际执行的困难点和不可控因素。</span><br />
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<span style="letter-spacing: 0.5px;font-size: 16px;color: rgb(0, 122, 170);">如果不是现金流很好有足够大容错率，搞不好就升天了。</span><br />
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<span style="letter-spacing: 0.5px;font-size: 16px;color: rgb(0, 122, 170);">四、</span><br />
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<span style="letter-spacing: 0.5px;font-size: 16px;">了解到这一步，基本就能发现，这些常规的思路，基本都有那么点不靠谱或问题。</span><br />
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<span style="letter-spacing: 0.5px;font-size: 16px;color: rgb(0, 122, 170);">所以通常我建议的路径，别整那些花里胡哨有的没得，还是老办法。</span><br />
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<span style="letter-spacing: 0.5px;font-size: 16px;color: rgb(0, 122, 170);">1，密切关注有啥新房既能低首付、有性价比不错、还合适自身需求。</span><span style="letter-spacing: 0.5px;color: rgb(178, 178, 178);font-size: 14px;">（虽然概率低，但梦想还是要有的。）</span><br />
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<span style="letter-spacing: 0.5px;font-size: 16px;color: rgb(0, 122, 170);">2，啃老。</span><br />
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<span style="letter-spacing: 0.5px;font-size: 16px;color: rgb(0, 122, 170);">3，找身边朋友借钱。</span><span style="letter-spacing: 0.5px;color: rgb(178, 178, 178);font-size: 14px;">（最好给利息，人家在自己账户放着也是有收益的，基本人情世故得懂）</span><br />
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<span style="letter-spacing: 0.5px;font-size: 16px;color: rgb(0, 122, 170);">4，找身边朋友短期拆借，房贷办好后用自身资质借信用贷还上。</span><br />
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<span style="letter-spacing: 0.5px;font-size: 16px;color: rgb(0, 122, 170);">5，努力打工赚钱，早日还债。</span><br />
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<span style="letter-spacing: 0.5px;font-size: 16px;color: rgb(0, 122, 170);">6，至于资金合规方面，推荐看《</span>[http://mp.weixin.qq.com/s?__biz=Mzg2MzcwODU2Mg==&mid=2247484669&idx=1&sn=e730f62f02c8a15d5ce8b6c8d0a9dd02&chksm=ce753000f902b916430b3f206bd3203f5c1a43a8507ca62541a9621e859dad7c69088efa3f8d&scene=21#wechat_redirect <span style="letter-spacing: 0.5px;font-size: 16px;color: rgb(0, 122, 170);text-decoration: underline;">银行流水的优化逻辑</span>]<span style="letter-spacing: 0.5px;font-size: 16px;color: rgb(0, 122, 170);">》这篇。</span><br />
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<span style="letter-spacing: 0.5px;font-size: 16px;color: rgb(255, 76, 65);">以上步骤，层层递进，总有一种适合你，如果都无法实现，就别挣扎了。</span><br />
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<span style="letter-spacing: 0.5px;font-size: 16px;">务必注意安全，量力而行。</span><br />
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</div>原文地址：[https://mp.weixin.qq.com/s/Kjs2bu_bhWoqs3WHbGhMsQ 买房还差点首付咋办]<br />
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<div class="weui-dialog weui-dialog_link"><br />
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