{"version":"1.0","type":"rich","title":"50年房贷不是“让房子变便宜的魔法”——负债游戏、利率风险与日本金融厅监管关注","author_name":"Mendoi-chan","author_url":"https://mendoi-apps.com/zh-hans/about/","provider_name":"mendoi-apps","provider_url":"https://mendoi-apps.com/","cache_age":3600,"thumbnail_url":"https://mendoi-apps.com/og/site-zh-Hans.png","thumbnail_width":1200,"thumbnail_height":630,"html":"<blockquote class=\"mendoi-embed\" lang=\"zh-Hans\" cite=\"https://mendoi-apps.com/zh-hans/articles/allja-5877f672ab67e6bb28cc/\"><p><a href=\"https://mendoi-apps.com/zh-hans/articles/allja-5877f672ab67e6bb28cc/\">50年房贷不是“让房子变便宜的魔法”——负债游戏、利率风险与日本金融厅监管关注</a></p><p>1000万日元自有资金加4000万贷款可以买5000万房产，这就是杠杆。房产涨到6000万、债务简单假设仍为4000万时，净资产从1000万变2000万；反过来跌到4000万，净资产几乎归零。</p><footer>Mendoi-chan · <a href=\"https://mendoi-apps.com/zh-hans/\">mendoi-apps</a></footer></blockquote>","width":600,"height":240}