{"id":4320,"date":"2004-11-01T00:00:00","date_gmt":"2004-10-31T16:00:00","guid":{"rendered":"http:\/\/15.134.89.131\/archive\/2004\/11\/01\/%e4%b9%b0%e6%88%bf\/"},"modified":"2004-11-01T00:00:00","modified_gmt":"2004-10-31T16:00:00","slug":"%e4%b9%b0%e6%88%bf","status":"publish","type":"post","link":"http:\/\/15.134.89.131\/archive\/?p=4320","title":{"rendered":"\u4e70\u623f"},"content":{"rendered":"

\ud83d\udc49 \u672c\u6587\u4f5c\u8005\uff1a<\/strong>\u65b0\u897f\u5170\u79fb\u6c11\u5c40<\/p>\n

\n\u4e70\u623f\u662f\u4e00\u9879\u91cd\u8981\u7684\u51b3\u5b9a\u3002\u5efa\u8bae\u4f60\u82b1\u4e9b\u65f6\u95f4\u5728\u4e0d\u540c\u7684\u5730\u533a\u591a\u770b\u4e00\u4e9b\u623f\u5c4b\uff0c\u627e\u4e00\u95f4\u6700\u9002 \u5408\u4f60\u548c\u4f60\u7684\u5bb6\u4eba\u5c45\u4f4f\u7684\u623f\u5c4b\u3002\u4e0e\u8bb8\u591a\u5176\u5b83\u56fd\u5bb6\u76f8\u6bd4\uff0c\u5728\u65b0\u897f\u5170\u4e70\u623f\u7684\u624b\u7eed\u975e\u5e38\u7b80\u6377\uff0c \u6240\u6709\u624b\u7eed\u53ef\u4ee5\u5728\u4e09\u6216\u56db\u5468\u4e4b\u5185\u5b8c\u6210\u3002
\u65b0\u897f\u5170\u5927\u591a\u6570\u7684\u623f\u5c4b\u662f\u901a\u8fc7\u623f\u5730\u4ea7\u516c\u53f8\u51fa\u552e\u7684\u3002\u8fd9\u4e9b\u516c\u53f8\u901a\u5e38\u5728\u62a5\u7eb8\u4e0a\u520a\u767b\u4ed6\u4eec\u8d1f \u8d23\u51fa\u552e\u7684\u623f\u5730\u4ea7\u5e7f\u544a(\u5927\u90e8\u5206\u5728\u661f\u671f\u4e09\u548c\u661f\u671f\u516d\u7684\u62a5\u7eb8\u4e0a)\u3002\u6709\u4e9b\u516c\u53f8\u4f1a\u5728\u4ed6\u4eec\u7684\u6a71 \u7a97\u4e0a\u5c55\u793a\u51fa\u552e\u623f\u5c4b\u7684\u6709\u5173\u8d44\u6599\uff0c\u6216\u662f\u51fa\u7248\u767b\u8f7d\u623f\u5730\u4ea7\u7684\u5e7f\u544a\u62a5\u520a\u3002\u623f\u5730\u4ea7\u516c\u53f8\u534f\u4f1a (Real Estate Institute)\u4ea6\u6709\u767b\u8f7d\u623f\u5c4b\u51fa\u552e\u548c\u5176\u5b83\u4e70\u5356\u623f\u5c4b\u4fe1\u606f\u7684\u7f51\u7ad9\uff0c\u7f51\u5740\uff1awww.realenz<\/A>. co.nz\u3002\u623f\u5730\u4ea7\u516c\u53f8\u4ee3\u7406\u4eba\u5c06\u5e26\u4f60\u53bb\u770b\u623f\uff0c\u5e76\u901a\u5e38\u613f\u610f\u4e3a\u4f60\u63d0\u4f9b\u4ea4\u901a\u3002
\u623f\u5730\u4ea7\u516c\u53f8\u4ee3\u8868\u623f\u4e3b\u51fa\u552e\u623f\u5c4b\u5e76\u6309\u623f\u5c4b\u5356\u51fa\u7684\u4ef7\u683c\u5411\u623f\u4e3b\u6536\u53d6\u670d\u52a1\u8d39\u3002\u5356\u623f\u4eba\u53ef\u4ee5 \u9009\u62e9\u901a\u8fc7\u4e00\u5bb6\u623f\u5730\u4ea7\u516c\u53f8\u4ee3\u552e\u623f\u5c4b(\u79f0\u4e3a”\u72ec\u5bb6\u4ee3\u7406\u5546”)\uff0c\u4e5f\u53ef\u4ee5\u9009\u62e9\u591a\u5bb6\u4ee3\u7406\u5546\u3002 \u6709\u4e9b\u4eba\u9009\u62e9\u81ea\u5df1\u51fa\u552e\u623f\u5c4b(\u4e0d\u7528\u4ee3\u7406\u5546)\uff0c\u4ed6\u4eec\u901a\u5e38\u5728\u62a5\u7eb8\u4e0a\u505a\u5e7f\u544a\u3002
\u5728\u4f60\u5bfb\u627e\u4f4f\u623f\u65f6\uff0c\u4f60\u53ef\u4ee5\u968f\u610f\u901a\u8fc7\u4efb\u4f55\u4e00\u5bb6\u623f\u5730\u4ea7\u516c\u53f8\u4ee3\u7406\u4eba\u770b\u623f\u3002\u5728\u4f60\u51b3\u5b9a\u8d2d\u4e70 \u67d0\u95f4\u4f4f\u623f\u65f6\uff0c\u4f60\u53ea\u4e0e\u5411\u4f60\u4ecb\u7ecd\u8be5\u623f\u7684\u4ee3\u7406\u4eba\u8054\u7cfb\u5e76\u7531\u8be5\u4ee3\u7406\u4eba\u8d1f\u8d23\u76f8\u5173\u4e8b\u5b9c\u3002
\u516c\u5f00\u770b\u623f\u65e5
\u5356\u623f\u4eba\u5e38\u5e38\u5728\u5468\u672b\u4e3e\u884c”\u516c\u5f00\u770b\u623f”(open homes)\u3002\u8fd9\u8868\u793a\u4f60\u4e0d\u9700\u7ecf\u8fc7\u9884\u7ea6\u5373\u53ef\u524d \u53bb\u89c2\u770b\u623f\u5c4b\uff0c\u516c\u5f00\u770b\u623f\u7684\u65f6\u95f4\u901a\u5e38\u4e0d\u8d85\u8fc7\u4e24\u5c0f\u65f6\u3002\u5f53\u5730\u62a5\u7eb8\u548c\u6bcf\u5468\u51fa\u7248\u7684\u623f\u5730\u4ea7\u5e7f \u544a\u62a5\u520a\u4e0a\u901a\u5e38\u520a\u767b\u516c\u5f00\u770b\u623f\u7684\u65f6\u95f4\u3002\u5728\u516c\u5f00\u770b\u623f\u65f6\u95f4\u5185\uff0c\u4e00\u540d\u623f\u5730\u4ea7\u4ee3\u7406\u4eba\uff0c\u800c\u4e0d \u662f\u623f\u4e3b\u4f1a\u5728\u623f\u5185\u7b49\u5019\u3002\u623f\u5730\u4ea7\u4ee3\u7406\u4eba\u53ef\u80fd\u8981\u6c42\u4f60\u7b7e\u7f72\u4e00\u5f20\u8868\u683c(\u4f60\u7684\u59d3\u540d\u548c\u4f4f\u5740)\u4f5c \u4e3a\u770b\u623f\u8bb0\u5f55\u3002
\u6295\u6807\u548c\u62cd\u5356
\u6709\u4e9b\u4eba\u5728\u5e7f\u544a\u4e0a\u6807\u660e\u4ed6\u4eec\u5e0c\u671b\u623f\u5c4b\u7684\u552e\u4ef7\uff0c\u800c\u6709\u4e9b\u4eba\u5219\u4ee5”\u6295\u6807”(tender)\u548c\u62cd\u5356(auction) \u7684\u65b9\u5f0f\u5356\u623f\u3002\u6295\u6807\u5356\u623f\u65b9\u5f0f\u662f\u4f60\u5728\u4e0d\u77e5\u9053\u623f\u5c4b\u552e\u4ef7\u7684\u60c5\u51b5\u4e0b\u6295\u4ef7\uff0c\u623f\u4e3b\u5728\u6240\u6709\u6536\u5230 \u7684\u6295\u6807\u4ef7\u683c\u4e2d\u6311\u9009\u4e00\u4e2a\u6700\u7406\u60f3\u7684\u4e70\u4e3b\u3002\u4f60\u901a\u5e38\u53ea\u80fd\u7ade\u6295\u4e00\u4e2a\u4ef7\u683c\u3002
\u5982\u679c\u623f\u5b50\u4ee5\u62cd\u5356\u7684\u5f62\u5f0f\u51fa\u552e\uff0c\u5219\u6709\u610f\u4e70\u623f\u8005\u96c6\u4e2d\u5728\u4e00\u4e2a\u5730\u70b9\u4e3a\u8be5\u623f”\u51fa\u4ef7”(bid)\u3002 \u623f\u4e3b\u901a\u5e38\u4e3a\u623f\u5b50\u8bbe\u5b9a\u4e00\u4e2a\u53ef\u4ee5\u63a5\u53d7\u7684\u6700\u4f4e”\u4fdd\u7559\u4ef7”(reserve)\u3002\u51fa\u4ef7\u8d85\u8fc7\u4fdd\u7559\u4ef7\u6700 \u591a\u7684\u4eba\u5219\u6709\u6743\u4f18\u5148\u8d2d\u4e70\u8be5\u623f\u3002\u6709\u4e9b\u623f\u5c4b\u53ef\u80fd\u56e0\u623f\u4e3b\u63a5\u53d7\u4e70\u4e3b\u6240\u51fa\u7684\u4ef7\u683c\u800c\u5728\u62cd\u5356\u524d \u5373\u552e\u51fa\u3002
\u8d37\u6b3e
\u5982\u679c\u4f60\u9700\u8981\u8d37\u6b3e(mortgage)\u4e70\u623f\uff0c\u4f60\u5fc5\u987b\u5728\u5f00\u59cb\u627e\u623f\u4e4b\u524d\u4e0e\u4e00\u5bb6\u94f6\u884c\u6216\u91d1\u878d\u670d\u52a1\u673a \u6784\u534f\u5546\u3002\u5728\u65b0\u897f\u5170\u7ade\u4e89\u6fc0\u70c8\u7684\u8d37\u6b3e\u5e02\u573a\u4e2d\uff0c\u94f6\u884c\u548c\u91d1\u878d\u670d\u52a1\u673a\u6784\u53ef\u4e3a\u4f60\u63d0\u4f9b\u5404\u79cd\u9009 \u62e9\u7684\u623f\u5c4b\u8d37\u6b3e\u65b9\u5f0f\u548c\u7ec4\u5408\uff0c\u4f8b\u5982\uff1a
\uff0e\u5404\u79cd\u8d37\u6b3e\u671f\u9650(\u6700\u591a\u53ef\u957f\u8fbe30\u5e74)\uff0c\u4ee5\u53ca\u507f\u8fd8\u8d37\u6b3e\u65b9\u5f0f\ufe54
\uff0e”\u53ef\u53d8\u5229\u7387”(variable rate)\u8d37\u6b3e\uff0c\u4f60\u6240\u652f\u4ed8\u7684\u5229\u7387\u5c06\u968f\u5e02\u573a\u60c5\u51b5\u6d6e\u52a8\u3002\u8fd9\u79cd\u8d37 \u6b3e\u63d0\u4f9b\u968f\u65f6\u53ef\u4ee5\u6539\u53d8\u8fd8\u6b3e\u989d\u7684\u7075\u6d3b\u6027\uff0c\u5305\u62ec\u4e00\u6b21\u6027\u5927\u7b14\u8fd8\u6b3e\u3002\u82e5\u662f\u5229\u7387\u4e0b\u964d\uff0c\u4f60\u9700 \u4ed8\u7684\u5229\u606f\u5c06\u51cf\u5c11\ufe54
\uff0e”\u56fa\u5b9a\u5229\u7387”(fixed rate)\u8d37\u6b3e\uff0c\u6309\u56fa\u5b9a\u5229\u7387\u548c\u56fa\u5b9a\u5e74\u9650\u501f\u6b3e\u3002\u8fd9\u79cd\u8d37\u6b3e\u53ef\u4ee5\u9632 \u6b62\u5229\u7387\u4e0a\u5347\u7684\u5f71\u54cd\u3002\u56fa\u5b9a\u5229\u7387\u8d37\u6b3e\u901a\u5e38\u6bd4\u53ef\u53d8\u8d37\u6b3e(\u6216\u6d6e\u52a8\u8d37\u6b3e)\u7684\u5229\u7387\u4f4e\ufe54
\uff0e”\u8fd8\u672c\u4ed8\u606f”(principal and interest)\u8d37\u6b3e\uff0c\u662f\u4e00\u79cd\u8fde\u672c\u5e26\u5229\u5b9a\u671f\u8fd8\u6b3e\u7684\u8d37\u6b3e\u3002 \u4e00\u6bb5\u65f6\u95f4\u540e\uff0c\u4f60\u6240\u501f\u7684\u672c\u91d1\u5c06\u9010\u6e10\u51cf\u5c11\u3002\u6700\u5e38\u89c1\u7684\u8fd8\u672c\u4ed8\u606f\u8d37\u6b3e\u662f”\u590d\u5229\u8d37\u6b3e”(table loans)\uff0c\u8fd8\u6b3e\u91d1\u989d\u4fdd\u6301\u4e0d\u53d8\uff0c\u4f46\u6bcf\u4e00\u6b21\u8fd8\u6b3e\u4e2d\u672c\u91d1\u6240\u5360\u6bd4\u4f8b\u589e\u52a0\uff0c\u5229\u606f\u6240\u5360\u6bd4\u4f8b\u51cf \u5c11\u3002”\u51cf\u5c11\u5229\u606f”(reducing interest)\u8d37\u6b3e\u5219\u662f\u5728\u6574\u4e2a\u8fd8\u6b3e\u8fc7\u7a0b\u4e2d\u507f\u8fd8\u76f8\u540c\u91d1\u989d\u7684 \u672c\u91d1\u3002\u4f34\u968f\u672c\u91d1\u7684\u51cf\u5c11\uff0c\u4f60\u6240\u652f\u4ed8\u7684\u5229\u606f\u4e5f\u968f\u4e4b\u51cf\u5c11\u3002
\uff0e”\u53ea\u4ed8\u5229\u606f”(interest only)\u8d37\u6b3e\uff0c\u662f\u4e00\u79cd\u5728\u8d37\u6b3e\u6700\u521d\u7684\u51e0\u5e74\u53ea\u4ed8\u5229\u606f\u7684\u8d37\u6b3e\uff0c \u4e4b\u540e\uff0c\u53d8\u4e3a\u8fde\u672c\u5e26\u5229\u8fd8\u6b3e\u3002\u8d37\u6b3e\u521d\u671f\u7684\u8fd8\u6b3e\u989d\u8f83\u4f4e\u3002
\uff0e”\u5468\u8f6c\u4fe1\u7528”(revolving credit)\u670d\u52a1\uff0c\u4e13\u4e3a\u5584\u4e8e\u7406\u8d22\u7684\u4eba\u8bbe\u8ba1\u3002\u91d1\u878d\u670d\u52a1\u673a\u6784 \u540c\u610f\u7ed9\u4f60\u4e00\u5b9a\u7684\u4fe1\u7528\u9650\u989d\uff0c\u4f60\u81ea\u5df1\u51b3\u5b9a\u8fd8\u6b3e\u91d1\u989d\u548c\u8fd8\u6b3e\u65f6\u95f4\u3002\u53ea\u8981\u4f60\u80fd\u5982\u671f\u652f\u4ed8\u6bcf \u6708\u6536\u53d6\u7684\u5229\u606f\u548c\u8d39\u7528\uff0c\u4f60\u53ef\u4ee5\u968f\u610f\u652f\u4ed8\u8fd8\u6b3e\u91d1\u989d\uff0c\u4f60\u4e5f\u53ef\u4ee5\u968f\u65f6\u652f\u53d6\u4fe1\u7528\u9650\u989d\u5185\u7684 \u73b0\u91d1\u3002
\u5f53\u4f60\u7533\u8bf7\u623f\u5c4b\u8d37\u6b3e\u65f6\uff0c\u4f60\u9700\u8981\u8ba9\u94f6\u884c\u6216\u91d1\u878d\u670d\u52a1\u673a\u6784\u4e86\u89e3\u4e0b\u5217\u60c5\u51b5\uff1a
\u25a1\u4f60\u548c\u914d\u5076(\u5982\u679c\u548c\u4f60\u7684\u914d\u5076\u5171\u540c\u8d2d\u4e70\u623f\u5c4b)\u7684\u6536\u5165\ufe54
\u25a1\u4f60\u7684\u8d44\u4ea7(\u4f60\u7684\u5b58\u6b3e\u548c\u53ef\u7528\u4f5c\u623f\u5c4b\u8d37\u6b3e\u7684\u62b5\u62bc\u54c1)\ufe54
\u25a1\u4f60\u7684\u503a\u989d\ufe54
\u25a1\u4f60\u7684\u751f\u6d3b\u8d39\u7528(\u786e\u4fdd\u4f60\u80fd\u591f\u8d1f\u62c5\u623f\u5c4b\u8d37\u6b3e\u7684\u507f\u8fd8)\u3002
\u4ed6\u4eec\u5c06\u8ba9\u4f60\u77e5\u9053\uff1a
\u25a1\u4f60\u7684\u8d37\u6b3e\u9650\u989d\u4ee5\u53ca\u8fd8\u6b3e\u91d1\u989d\ufe54
\u25a1\u5c06\u6536\u53d6\u7684\u5229\u7387\ufe54
\u25a1\u8d37\u6b3e\u671f\u9650\ufe54
\u25a1\u76f8\u5173\u624b\u7eed\u8d39\u53ca\u7279\u522b\u6761\u4ef6(\u6709\u4e9b\u94f6\u884c\u6216\u91d1\u878d\u670d\u52a1\u673a\u6784\u5c06\u8981\u6c42\u4f60\u6295\u4fdd\u623f\u5c4b\u4fdd\u9669\u4ee5\u53ca\u4e00\u65e6 \u51fa\u73b0\u6b7b\u4ea1\uff0c\u4e3a\u8d37\u6b3e\u4eba\u507f\u8fd8\u623f\u5c4b\u8d37\u6b3e\u7684\u66ff\u4ee3\u4fdd\u9669)\ufe54
\u25a1\u4f60\u9700\u8981\u505a\u7684\u4e0b\u4e00\u6b65\u3002
\u4e00\u65e6\u4f60\u627e\u5230\u7406\u60f3\u7684\u4f4f\u623f\uff0c\u4f60\u53ef\u4ee5\u5f97\u5230\u8d37\u6b3e\u7684\u673a\u4f1a\u5c06\u53d6\u51b3\u4e8e\uff1a
\u25a1\u4f60\u7684\u5e74\u9f84\u548c\u6536\u5165\ufe54
\u25a1\u6b32\u8d2d\u623f\u5c4b\u7684\u5e74\u4ee3\u548c\u72b6\u51b5\ufe54
\u25a1\u72ec\u7acb\u7684\u623f\u5c4b\u4ef7\u683c\u8bc4\u4f30(independent valuation)\u3002\u8bb8\u591a\u94f6\u884c\u6216\u91d1\u878d\u670d\u52a1\u673a\u6784\u8981\u6c42\u8fd9 \u4e2a\u8bc4\u4f30\u4ee5\u4fbf\u5f97\u5230\u8be5\u623f\u7684”\u5e02\u573a\u4ef7\u503c”(market value)\u3002\u8bf7\u4e0e\u65b0\u897f\u5170\u4f30\u4ef7\u5458\u534f\u4f1a(New Zealand Institute of Valuers)\u8054\u7edc\uff0c\u6216\u5728\u9ec4\u9875\u7535\u8bdd\u7c3f”\u4f30\u4ef7\u5458”(Valuers)\u4e00\u680f \u5185\u67e5\u627e\ufe54
\u25a1\u94f6\u884c\u6216\u91d1\u878d\u670d\u52a1\u673a\u6784\u7684\u623f\u5c4b\u8d37\u6b3e\u653f\u7b56\ufe54
\ufe52\u4f60\u9700\u8981\u652f\u4ed8\u7684\u9996\u671f\u5b9a\u91d1(\u4f60\u901a\u5e38\u9700\u8981\u76f8\u5f53\u4e8e\u623f\u4ef75%\u4ee5\u4e0a\u7684\u5b9a\u91d1)\u3002\u5927\u591a\u6570\u7684\u94f6\u884c\u6216\u91d1\u878d\u670d\u52a1\u673a\u6784\u5c06\u5c3d\u5feb\u901a\u77e5\u4f60\u662f\u5426\u83b7\u5f97\u623f\u5c4b\u8d37\u6b3e\u7684\u6279\u51c6\u3002\u4e3a\u4e86\u5f97\u5230\u6700 \u4f73\u7684\u623f\u5c4b\u8d37\u6b3e\u7ec4\u5408\uff0c\u4f60\u6700\u597d\u591a\u6bd4\u8f83\u51e0\u5bb6\u94f6\u884c\u548c\u91d1\u878d\u670d\u52a1\u673a\u6784\u3002
\u623f\u4ef7
\u653f\u5e9c\u4f30\u4ef7\u5458\u6bcf\u9694\u51e0\u5e74\u4e3a\u623f\u4e3b\u63d0\u4f9b\u4e00\u4e2a”\u653f\u5e9c\u4f30\u4ef7”(rating valuation)\u3002\u5730\u65b9\u653f\u5e9c \u5c06\u6839\u636e\u8fd9\u4e2a\u623f\u5730\u4ea7\u4f30\u4ef7\u6765\u8ba1\u7b97”\u5730\u65b9\u7a0e”(rates)\u3002\u7531\u623f\u4e3b\u652f\u4ed8\u7684\u5730\u65b9\u7a0e\u7528\u4e8e\u4f9b\u6c34\u3001 \u9053\u8def\u7ef4\u62a4\u3001\u5783\u573e\u6536\u96c6\u4ee5\u53ca\u56fe\u4e66\u9986\u3001\u516c\u56ed\u548c\u6e38\u6cf3\u6c60\u7b49\u516c\u5171\u8bbe\u65bd\u3002
\u653f\u5e9c\u4f30\u4ef7\u7ecf\u5e38\u88ab\u7528\u4e8e\u8bbe\u5b9a\u623f\u5c4b\u552e\u4ef7\u7684\u53c2\u8003\u4f9d\u636e\u3002\u4f46\u662f\uff0c\u552e\u4ef7\u4e00\u822c\u53d6\u51b3\u4e8e\u5e02\u573a\u9700\u6c42\u3001 \u5229\u7387\u4ee5\u53ca\u623f\u5730\u4ea7\u4f30\u4ef7\u4f55\u65f6\u5b8c\u6210\u7b49\u56e0\u7d20\uff0c\u8bb8\u591a\u623f\u5c4b\u53ef\u4ee5\u9ad8\u4e8e\u6216\u4f4e\u4e8e\u653f\u5e9c\u4f30\u4ef7\u51fa\u552e\u3002
<\/p>\n","protected":false},"excerpt":{"rendered":"

\ud83d\udc49 \u672c\u6587\u4f5c\u8005\uff1a\u65b0\u897f\u5170\u79fb\u6c11\u5c40 \u4e70\u623f\u662f\u4e00\u9879\u91cd […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[4],"tags":[],"class_list":["post-4320","post","type-post","status-publish","format-standard","hentry","category-stu_imm"],"_links":{"self":[{"href":"http:\/\/15.134.89.131\/archive\/index.php?rest_route=\/wp\/v2\/posts\/4320","targetHints":{"allow":["GET"]}}],"collection":[{"href":"http:\/\/15.134.89.131\/archive\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"http:\/\/15.134.89.131\/archive\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"http:\/\/15.134.89.131\/archive\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"http:\/\/15.134.89.131\/archive\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=4320"}],"version-history":[{"count":0,"href":"http:\/\/15.134.89.131\/archive\/index.php?rest_route=\/wp\/v2\/posts\/4320\/revisions"}],"wp:attachment":[{"href":"http:\/\/15.134.89.131\/archive\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=4320"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/15.134.89.131\/archive\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=4320"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/15.134.89.131\/archive\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=4320"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}