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to Work program\uff09\u5e2e\u52a9\u90a3\u4e9b\u4e0d\u5e78\u7684\u5c4b\u4e3b\uff0c\u5982\u623f\u5c4b\u521a\u88ab\u62cd\u5356\u3001\u516c\u53f8\u7834\u4ea7\u7b49\u3002\u8be5\u5c40\u70ba\u5168\u56fd\u9ad8\u6d88\u8d39\u5730\u533a\u8bbe\u8ba1\u62c5\u4fdd\u7684\u623f\u8d37\u89c4\u6a21\u6700\u591a\u53ef\u4ee5\u8fbe\u523062\u4e075500\u5143\uff0c\u8fd9\u4e9b\u5730\u533a\u5305\u62ec\u52a0\u5dde\u7684\u6a58\u53bf\u3001\u9996\u90fd\u534e\u76db\u987f\u5730\u533a\u548c\u7ebd\u7ea6\u7684\u4e94\u4e2a\u533a\u3002<\/p>\n<p>\u53e6\u5916\uff0c\u623f\u5229\u7f8e\uff08Fannie Mae\uff09\u548c\u623f\u5730\u7f8e\uff08Freddie Mac\uff09\u662f\u4e24\u5bb6\u8054\u90a6\u653f\u5e9c\u62c5\u4fdd\u7684\u8d37\u6b3e\u516c\u53f8\u3002\u5b83\u4eec\u638c\u63a7\u4f4f\u5b85\u4e3b\u8981\u8d37\u6b3e\u4fe1\u7528\u5e02\u573a\uff0c\u8fd1\u671f\u5df2\u7ecf\u5ba3\u5e03<strong>\u623f\u8d37\u7684\u9996\u4ed8\u53ef\u4ee5\u4f4e\u81f33%<\/strong>\u3002\u5047\u5982\u4f60\u662f\u5728\u804c\u7684\u6216\u9000\u4f11\u7684\u670d\u52a1\u4eba\u5458\uff0c\u6216\u8005\u4f4f\u5728\u519c\u6751\u5730\u533a\uff0c\u4f60\u751a\u81f3\u53ef\u80fd\u7b26\u5408<strong>\u96f6\u9996\u4ed8<\/strong>\u7684\u9879\u76ee\uff0c\u8fd9\u4e9b\u9879\u76ee\u53ef\u4ee5\u4ece\u9000\u4f0d\u519b\u4eba\u90e8\u6216\u8005\u519c\u4e1a\u90e8\u83b7\u5f97\u3002\u56e0\u6b64\uff0c\u5728\u5bfb\u627e\u8d37\u6b3e\u65f6\uff0c\u4f60\u5e94\u8be5\u95ee\u8d37\u6b3e\u516c\u53f8\u8be2\u95ee\u662f\u5426\u6709\u5404\u79cd\u9009\u62e9\u7684\u9996\u4ed8\u3002<\/p>\n<p>\u4e3a\u4f55\u4e70\u5bb6\u90fd\u76f8\u4fe120%\u7684\u9996\u4ed8\u662f\u5fc5\u987b\u7684\uff1f\u8fd9\u662f\u56e0\u70ba\u4e3a\u89c4\u8d37\u6b3e\u8981\u6c4220%\u9996\u4ed8\uff0c\u8fd9\u6837\u623f\u8d37\u4fdd\u9669\uff08PMI\uff09\u5c31\u4e0d\u9700\u8981\u4e86\u3002\u82e5\u662f\u6709\u4e86\u8d37\u6b3e\u4fdd\u9669\uff0c\u5f53\u8d2d\u623f\u8005\u4ed8\u8db320%\u540e\uff0c\u5c31\u4e0d\u518d\u9700\u8981\u8d37\u6b3e\u4fdd\u9669\u3002\u4f8b\u5982\uff0c\u82e5\u662f\u652f\u4ed8\u56db\u5e74\u623f\u8d37\u4fdd\u9669\u540e\uff0c\u623f\u8d37\u4fdd\u9669\u53ef\u4ee5\u53bb\u6389\u3002<\/p>\n<p 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