( )

10

(
)

10

30

30

50

10.00

7.75

8.50

50

100

200

100

200

500

6.50

6.00

5.25

4.50

6.75

5.75

5.50

4.75

4.25

7.50

6.00

5.25

5.00

4.50

6.50

5.50

4.75

4.50

4.25

3.75

5.50

4.75

4.50

4.25

4.00

3.50

4.50

4.25

4.00

3.75

3.50

3.25

15
10 7.5 % = 750,000
5 6.00 % = 300,000
1,050,000

()
( )
1.

( 10 %)

( 15 %)
2.
4

4.00

 1
2
3
4

:
:
:
:

65%

60%

55%

50%

20%

20%

22%

26%

5%

5%

6%

6%

10%

10%

11%

11%

5%

6%

6%

5-10% 3-4


2.5-7.5%
3-4

2-5%

2-3

(www.smilehomes.com)

100%

68


5
2150


180
13.5-15
3 () 5
15
7.87 2 10 5.50%
5.5 5 4.75% 2.37