{"id":588,"date":"2026-05-26T23:46:43","date_gmt":"2026-05-26T23:46:43","guid":{"rendered":"https:\/\/nyrealestateprep.com\/ny-real-estate-math-cheat-sheet-chinese\/"},"modified":"2026-05-26T23:46:43","modified_gmt":"2026-05-26T23:46:43","slug":"ny-real-estate-math-cheat-sheet-chinese","status":"publish","type":"page","link":"https:\/\/nyrealestateprep.com\/?page_id=588","title":{"rendered":"\u7ebd\u7ea6\u623f\u5730\u4ea7\u8003\u8bd5\u6570\u5b66\u516c\u5f0f\u8868 \u2014 \u4e2d\u6587\u514d\u8d39\u8d44\u6599"},"content":{"rendered":"<style>\n@import url(\"https:\/\/fonts.googleapis.com\/css2?family=Inter:wght@400;500;600;700&family=Fraunces:opsz,wght@9..144,400;9..144,500;9..144,600&family=Noto+Sans+KR:wght@400;500;600;700&family=Noto+Sans+SC:wght@400;500;600;700&display=swap\");\n.np-page{color:#0F2A44;font-size:17px;line-height:1.65;padding:30px 0 60px;background:#FBF7EF}\n.np-page.ko{font-family:\"Noto Sans KR\",Inter,sans-serif}\n.np-page.zh{font-family:\"Noto Sans SC\",Inter,sans-serif}\n.np-page.ru,.np-page.en{font-family:Inter,sans-serif}\n.np-page *{box-sizing:border-box}\n.np-narrow{max-width:780px;margin:0 auto;padding:0 24px}\n.np-eyebrow{font-size:13px;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:#C9A55B;margin-bottom:14px;display:inline-block}\n.np-page h1.np-h1{font-family:Fraunces,Georgia,serif;font-weight:500;font-size:clamp(34px,5vw,52px);line-height:1.1;letter-spacing:-.02em;color:#0F2A44;margin:0 0 14px}\n.np-lede{font-size:19px;line-height:1.55;color:#1B3A5A;margin:0 0 28px}\n.np-page h2{font-family:Fraunces,serif;font-weight:500;font-size:28px;letter-spacing:-.018em;color:#0F2A44;margin:30px 0 12px}\n.np-page p{margin:0 0 14px;color:#1B3A5A}\n.np-page strong{color:#0F2A44}\n.np-card{background:#fff;border:1px solid #E8DFCC;border-radius:14px;padding:24px 28px;margin:14px 0}\n.np-formula{font-family:'Courier New',monospace;background:#F5EEDF;border:1px solid #E8DFCC;border-radius:8px;padding:12px 16px;font-size:15.5px;color:#0F2A44;margin:10px 0;font-weight:600}\n.np-example{background:#F5EEDF;border-left:3px solid #C9A55B;padding:12px 16px;margin:10px 0;font-size:15px;color:#1B3A5A;border-radius:0 8px 8px 0}\n.np-example b{color:#0F2A44}\n.np-tag{display:inline-block;background:rgba(201,165,91,.15);color:#8C6230;padding:3px 10px;border-radius:999px;font-size:12px;font-weight:600;letter-spacing:.05em;margin-bottom:8px}\n.np-btn{display:inline-block;background:#C9A55B;color:#fff;padding:13px 22px;border-radius:999px;font-weight:600;font-size:15px;text-decoration:none}\n.np-btn:hover{background:#8C6230;color:#fff}\n.np-cta{background:#0F2A44;color:#FBF7EF;border-radius:14px;padding:30px;text-align:center;margin:36px 0}\n.np-cta h3{font-family:Fraunces,serif;font-size:24px;color:#FBF7EF;margin:0 0 10px}\n.np-cta p{color:rgba(251,247,239,.78);margin:0 0 18px}\n.np-disclaim{background:#FBF7EF;border:1px solid #E8DFCC;border-left:4px solid #C9A55B;border-radius:12px;padding:16px 20px;margin:30px 0 14px;font-size:13.5px;color:#6B6056;line-height:1.55}\n.np-disclaim strong{color:#0F2A44;display:block;margin-bottom:4px}\n<\/style>\n<div class=\"np-page zh\">\n<div class=\"np-narrow\">\n<div style=\"text-align:center\">\n<span class=\"np-eyebrow\">\u4e2d\u6587\u514d\u8d39\u8d44\u6599<\/span><\/p>\n<h1 class=\"np-h1\">\u7ebd\u7ea6\u623f\u5730\u4ea7\u8003\u8bd5\u6570\u5b66\u516c\u5f0f\u8868<\/h1>\n<p class=\"np-lede\" style=\"margin-left:auto;margin-right:auto\">\u7ebd\u7ea6\u5dde\u8003\u8bd5\u4e2d\u6240\u6709\u6570\u5b66\u516c\u5f0f\u4e0e\u793a\u4f8b\u3002\u6253\u5370\u4fdd\u5b58,\u8d34\u5728\u4e66\u684c\u65c1\u3002<\/p>\n<div style=\"margin-top:20px\"><a href=\"javascript:window.print()\" class=\"np-btn\">\ud83d\udda8 \u8fd4\u56de\u4e2d\u6587\u9875\u9762<\/a><\/div>\n<\/div>\n<div class=\"np-disclaim\"><strong>\u91cd\u8981\u63d0\u793a<\/strong>\u7ebd\u7ea6\u623f\u5730\u4ea7\u8003\u8bd5\u4ec5\u4ee5\u82f1\u8bed\u8fdb\u884c\u3002\u672c\u8d44\u6599\u662f\u5b66\u4e60\u8f85\u52a9 \u2014 \u5b9e\u9645\u8003\u8bd5\u9898\u76ee\u4e3a\u82f1\u8bed\u3002NY Real Estate Prep \u662f\u72ec\u7acb\u7684\u5b66\u4e60\u5de5\u5177,\u4e0e\u7ebd\u7ea6\u5dde\u56fd\u52a1\u9662(NY DOS)\u65e0\u5173\u8054\u3002<\/div>\n<div class=\"np-card\"><span class=\"np-tag\">\u4f63\u91d1<\/span><\/p>\n<h2>1. \u4f63\u91d1 (Commission)<\/h2>\n<div class=\"np-formula\">\u4f63\u91d1 = \u552e\u4ef7 \u00d7 \u4f63\u91d1\u7387<\/div>\n<div class=\"np-example\"><b>\u4f8b\u5b50:<\/b> \u623f\u5c4b\u552e\u4ef7 $500,000\uff0c\u4f63\u91d1 6%\u3002\u603b\u4f63\u91d1 = $500,000 \u00d7 0.06 = <b>$30,000<\/b>.<\/div>\n<\/div>\n<div class=\"np-card\"><span class=\"np-tag\">\u4f63\u91d1\u5206\u914d<\/span><\/p>\n<h2>2. \u7ecf\u7eaa\u4eba\u5206\u914d (Co-Broker Split)<\/h2>\n<div class=\"np-formula\">\u7ecf\u7eaa\u4eba\u6240\u5f97 = \u603b\u4f63\u91d1 \u00d7 \u7ecf\u7eaa\u516c\u53f8\u5206\u914d \u00d7 \u7ecf\u7eaa\u4eba\u5206\u914d<\/div>\n<div class=\"np-example\"><b>\u4f8b\u5b50:<\/b> \u603b\u4f63\u91d1 $30,000\uff0c\u7ecf\u7eaa\u516c\u53f8\u5206\u914d 50%\uff0c\u7ecf\u7eaa\u4eba\u5206\u914d 70%\u3002\u7ecf\u7eaa\u4eba = $30,000 \u00d7 0.5 \u00d7 0.7 = <b>$10,500<\/b>\u3002<\/div>\n<\/div>\n<div class=\"np-card\"><span class=\"np-tag\">\u91d1\u878d<\/span><\/p>\n<h2>3. \u6298\u6263\u70b9 (Discount Points)<\/h2>\n<div class=\"np-formula\">1 \u70b9 = \u8d37\u6b3e\u91d1\u989d\u7684 1%<\/div>\n<div class=\"np-example\"><b>\u4f8b\u5b50:<\/b> $400,000 \u8d37\u6b3e\uff0c2 \u6298\u6263\u70b9\u3002\u8d39\u7528 = $400,000 \u00d7 0.02 = <b>$8,000<\/b>\u3002\u6ce8\u610f\uff1a\u4ee5<b>\u8d37\u6b3e\u91d1\u989d<\/b>\u4e3a\u51c6\uff0c\u800c\u975e\u8d2d\u4e70\u4ef7\u683c\u3002<\/div>\n<\/div>\n<div class=\"np-card\"><span class=\"np-tag\">\u91d1\u878d<\/span><\/p>\n<h2>4. LTV (\u8d37\u6b3e\u4ef7\u503c\u6bd4)<\/h2>\n<div class=\"np-formula\">LTV = \u8d37\u6b3e\u91d1\u989d \u00f7 \u623f\u4ea7\u4ef7\u503c<\/div>\n<div class=\"np-example\"><b>\u4f8b\u5b50:<\/b> \u623f\u4ea7 $400,000\uff0c\u8d37\u6b3e $360,000\u3002LTV = 360,000 \/ 400,000 = <b>90%<\/b>\u3002(\u8d85\u8fc7 80% \u901a\u5e38\u9700\u8981 PMI)<\/div>\n<\/div>\n<div class=\"np-card\"><span class=\"np-tag\">\u91d1\u878d<\/span><\/p>\n<h2>5. \u9996\u4ed8\u6b3e<\/h2>\n<div class=\"np-formula\">\u9996\u4ed8\u6b3e = \u8d2d\u4e70\u4ef7\u683c \u00d7 \u9996\u4ed8\u767e\u5206\u6bd4<\/div>\n<div class=\"np-example\"><b>\u4f8b\u5b50:<\/b> $500,000 \u623f\u4ef7 20% \u9996\u4ed8 = $500,000 \u00d7 0.20 = <b>$100,000<\/b>\u3002\u8d37\u6b3e\u91d1\u989d = $400,000\u3002<\/div>\n<\/div>\n<div class=\"np-card\"><span class=\"np-tag\">\u8fc7\u6237\u8ba1\u7b97<\/span><\/p>\n<h2>6. \u6309\u65e5\u5206\u644a (Proration, 365 \u65e5\u6cd5)<\/h2>\n<div class=\"np-formula\">\u65e5\u8d39\u7387 = \u5e74\u5ea6\u91d1\u989d \u00f7 365<br \/>\u5206\u644a = \u65e5\u8d39\u7387 \u00d7 \u5929\u6570<\/div>\n<div class=\"np-example\"><b>\u4f8b\u5b50:<\/b> \u5e74\u5ea6\u5730\u4ea7\u7a0e $4,380\u3002\u65e5\u8d39\u7387 = $4,380 \/ 365 = $12\/\u5929\u300290 \u5929 = $12 \u00d7 90 = <b>$1,080<\/b>\u3002<\/div>\n<\/div>\n<div class=\"np-card\"><span class=\"np-tag\">\u9762\u79ef<\/span><\/p>\n<h2>7. \u9762\u79ef\u4e0e\u82f1\u4ea9\u8f6c\u6362<\/h2>\n<div class=\"np-formula\">1 \u82f1\u4ea9 = 43,560 \u5e73\u65b9\u82f1\u5c3a<br \/>1 \u5e73\u65b9\u82f1\u91cc = 640 \u82f1\u4ea9<br \/>\u957f\u65b9\u5f62 = \u957f \u00d7 \u5bbd<br \/>\u4e09\u89d2\u5f62 = (\u5e95 \u00d7 \u9ad8) \u00f7 2<\/div>\n<div class=\"np-example\"><b>\u4f8b\u5b50:<\/b> 100ft \u00d7 200ft \u5730\u5757 = 20,000 sq ft \u00f7 43,560 = <b>0.46 \u82f1\u4ea9<\/b>\u3002<\/div>\n<\/div>\n<div class=\"np-card\"><span class=\"np-tag\">\u6295\u8d44<\/span><\/p>\n<h2>8. \u8d44\u672c\u5316\u7387 (Cap Rate)<\/h2>\n<div class=\"np-formula\">Cap Rate = NOI \u00f7 \u623f\u4ea7\u4ef7\u503c<br \/>\u4ef7\u503c = NOI \u00f7 Cap Rate<\/div>\n<div class=\"np-example\"><b>\u4f8b\u5b50:<\/b> NOI $60,000 \/ \u552e\u4ef7 $750,000 = <b>Cap Rate 8%<\/b>\u3002\u4f30\u503c\uff1aNOI $80,000 \u00f7 0.08 = <b>$1,000,000<\/b>\u3002<\/div>\n<\/div>\n<div class=\"np-card\"><span class=\"np-tag\">\u6295\u8d44<\/span><\/p>\n<h2>9. \u6bdb\u79df\u91d1\u4e58\u6570 (GRM)<\/h2>\n<div class=\"np-formula\">GRM = \u552e\u4ef7 \u00f7 \u6708\u79df\u91d1<\/div>\n<div class=\"np-example\"><b>\u4f8b\u5b50:<\/b> $300,000 \u623f\u4ea7\uff0c\u6708\u79df $2,000\u3002GRM = 300,000 \/ 2,000 = <b>150<\/b>\u3002\u7c7b\u4f3c\u623f\u4ea7\u6708\u79df $2,500 \u4f30\u503c = $2,500 \u00d7 150 = <b>$375,000<\/b>\u3002<\/div>\n<\/div>\n<div class=\"np-card\"><span class=\"np-tag\">\u623f\u4ea7\u7a0e<\/span><\/p>\n<h2>10. Mill \u7a0e\u7387 (\u623f\u4ea7\u7a0e)<\/h2>\n<div class=\"np-formula\">\u7a0e\u6b3e = \u8bc4\u4f30\u4ef7\u503c \u00d7 Mill \u7387 \u00f7 1,000<\/div>\n<div class=\"np-example\"><b>\u4f8b\u5b50:<\/b> \u8bc4\u4f30\u4ef7\u503c $200,000\uff0c25 mills\u3002\u5e74\u7a0e = 200,000 \u00d7 25 \/ 1,000 = <b>$5,000<\/b>\u3002<\/div>\n<\/div>\n<div class=\"np-card\"><span class=\"np-tag\">\u901a\u7528\u5de5\u5177<\/span><\/p>\n<h2>11. T \u5b57\u6cd5 (T-Method)<\/h2>\n<div class=\"np-formula\">\u6574\u4f53 \u00d7 \u6bd4\u7387 = \u90e8\u5206<br \/>\u90e8\u5206 \u00f7 \u6bd4\u7387 = \u6574\u4f53<br \/>\u90e8\u5206 \u00f7 \u6574\u4f53 = \u6bd4\u7387<\/div>\n<div class=\"np-example\"><b>\u4f8b\u5b50:<\/b> \u623f\u4ea7\u5356 $400,000\uff0c\u4f63\u91d1 $24,000\u3002\u6bd4\u7387 = 24,000 \/ 400,000 = <b>6%<\/b>\u3002<\/div>\n<\/div>\n<div class=\"np-cta\">\n<h3>\u51c6\u5907\u597d\u7ec3\u4e60\u4e86\u5417?<\/h3>\n<p>\u514d\u8d39 10 \u9898\u8bca\u65ad\u6d4b\u8bd5,\u4e86\u89e3\u60a8\u7684\u5f53\u524d\u6c34\u5e73\u3002<\/p>\n<p><a href=\"\/courses\/free-ny-real-estate-quiz\/\" class=\"np-btn\">\u5f00\u59cb\u514d\u8d39\u8bca\u65ad \u2192<\/a>\n<\/div>\n<p style=\"text-align:center;font-size:14px;color:#6B6056;margin-top:30px\"><a href=\"\/chinese\/\" style=\"color:#8C6230\">\u2190 \u8fd4\u56de\u4e2d\u6587\u9875\u9762<\/a><\/p>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>\u4e2d\u6587\u514d\u8d39\u8d44\u6599 \u7ebd\u7ea6\u623f\u5730\u4ea7\u8003\u8bd5\u6570\u5b66\u516c\u5f0f\u8868 \u7ebd\u7ea6\u5dde\u8003\u8bd5\u4e2d\u6240\u6709\u6570\u5b66\u516c\u5f0f\u4e0e\u793a\u4f8b\u3002\u6253\u5370\u4fdd\u5b58,\u8d34\u5728\u4e66\u684c\u65c1\u3002 \ud83d\udda8 \u8fd4\u56de\u4e2d\u6587\u9875\u9762 \u91cd\u8981\u63d0\u793a\u7ebd\u7ea6\u623f\u5730\u4ea7\u8003\u8bd5\u4ec5\u4ee5\u82f1\u8bed\u8fdb\u884c\u3002\u672c\u8d44\u6599\u662f\u5b66\u4e60\u8f85\u52a9 \u2014 \u5b9e\u9645\u8003\u8bd5\u9898\u76ee\u4e3a\u82f1\u8bed\u3002NY Real Estate Prep \u662f\u72ec\u7acb\u7684\u5b66\u4e60\u5de5\u5177,\u4e0e\u7ebd\u7ea6\u5dde\u56fd\u52a1\u9662(NY DOS)\u65e0\u5173\u8054\u3002 \u4f63\u91d1 1. \u4f63\u91d1 (Commission) \u4f63\u91d1 = \u552e\u4ef7 \u00d7 \u4f63\u91d1\u7387 \u4f8b\u5b50: \u623f\u5c4b\u552e\u4ef7 $500,000\uff0c\u4f63\u91d1 6%\u3002\u603b\u4f63\u91d1 = $500,000 \u00d7 0.06 = $30,000. \u4f63\u91d1\u5206\u914d 2. \u7ecf\u7eaa\u4eba\u5206\u914d (Co-Broker Split) \u7ecf\u7eaa\u4eba\u6240\u5f97 = \u603b\u4f63\u91d1 \u00d7 \u7ecf\u7eaa\u516c\u53f8\u5206\u914d \u00d7 \u7ecf\u7eaa\u4eba\u5206\u914d \u4f8b\u5b50: \u603b\u4f63\u91d1 $30,000\uff0c\u7ecf\u7eaa\u516c\u53f8\u5206\u914d 50%\uff0c\u7ecf\u7eaa\u4eba\u5206\u914d 70%\u3002\u7ecf\u7eaa\u4eba = $30,000 \u00d7 0.5 \u00d7 0.7 [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-588","page","type-page","status-publish","hentry"],"_hostinger_reach_plugin_has_subscription_block":false,"_hostinger_reach_plugin_is_elementor":false,"_links":{"self":[{"href":"https:\/\/nyrealestateprep.com\/index.php?rest_route=\/wp\/v2\/pages\/588","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/nyrealestateprep.com\/index.php?rest_route=\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/nyrealestateprep.com\/index.php?rest_route=\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/nyrealestateprep.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/nyrealestateprep.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=588"}],"version-history":[{"count":0,"href":"https:\/\/nyrealestateprep.com\/index.php?rest_route=\/wp\/v2\/pages\/588\/revisions"}],"wp:attachment":[{"href":"https:\/\/nyrealestateprep.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=588"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}