{"id":16213,"date":"2026-09-02T20:21:34","date_gmt":"2026-09-02T20:21:34","guid":{"rendered":"https:\/\/medbox.com\/?p=16213"},"modified":"2026-09-02T20:21:35","modified_gmt":"2026-09-02T20:21:35","slug":"a-guide-to-paying-off-your-mortgage-before-retirement","status":"publish","type":"post","link":"https:\/\/medbox.com\/zh\/a-guide-to-paying-off-your-mortgage-before-retirement\/","title":{"rendered":"\u9000\u4f11\u524d\u8fd8\u6e05\u623f\u8d37\u6307\u5357"},"content":{"rendered":"<p class=\"wp-block-paragraph\">\u5bf9\u5927\u591a\u6570\u4eba\u6765\u8bf4\uff0c\u4f4f\u623f\u662f\u9000\u4f11\u540e\u6700\u5927\u7684\u5f00\u652f\u3002\u5e73\u5747\u800c\u8a00\uff0c\u4f4f\u623f\u652f\u51fa\u7ea6\u536065\u5c81\u53ca\u4ee5\u4e0a\u6210\u5e74\u4eba\u5e74\u5ea6\u652f\u51fa\u768436%\uff0c\u56e0\u6b64\uff0c\u5bf9\u4e8e\u56fa\u5b9a\u6536\u5165\u7684\u9000\u4f11\u4eba\u58eb\u6765\u8bf4\uff0c\u4f4f\u623f\u662f\u4ed6\u4eec\u9762\u4e34\u7684\u6700\u5927\u6311\u6218\u4e4b\u4e00\u3002.&nbsp;<\/p>\n\n\n<section\n        class=\"section-cta gutenberg-block  is-round\" \n        style=\"background-color: #e8f2ee;        --cta-padding-top-desktop: 47px;        --cta-padding-top-tablet: 47px;        --cta-padding-top-mobile: 30px;        --cta-padding-bottom-desktop: 47px;        --cta-padding-bottom-tablet: 47px;        --cta-padding-bottom-mobile: 30px;        --cta-padding-sides-desktop: 20px;        --cta-padding-sides-tablet: 20px;        --cta-padding-sides-mobile: 20px;\">\n    <div class=\"sk-container section-cta__container\">\n        <div class=\"section-cta__wrapper sm\">\n                            <div class=\"section-cta__body is-layout-sm\">\n                                            <h2 class=\"section-cta__title sk-text--h4\">Medbox\uff1a\u518d\u4e5f\u4e0d\u7528\u5206\u62e3\u836f\u7269\u4e86<\/h2>\n                                                        <\/div>\n                        \n                                        <a href=\"https:\/\/medbox.com\/zh\/how-it-works\/\" class=\"section-cta__btn sk-btn sk-btn--primary\" target=\"_self\"\n    \n     title=\"\u4e86\u89e3\u66f4\u591a\" >\n\n          <span class=\"wrapp-title-link\">\u4e86\u89e3\u66f4\u591a<\/span>\n    \n    \n    \n      <\/a>\n\n                    <\/div>\n    <\/div>\n    <\/section>\n\n\n\n<p class=\"wp-block-paragraph\">\u5982\u679c\u4f60\u9000\u4f11\u65f6\u8fd8\u6709\u623f\u8d37\uff0c\u90a3\u4e48\u4f60\u56fa\u5b9a\u6536\u5165\u7684\u5f88\u5927\u4e00\u90e8\u5206\u53ef\u80fd\u4ecd\u7136\u8981\u7528\u4e8e\u4f4f\u623f\u652f\u51fa\u3002\u8fd9\u4f1a\u5bfc\u81f4\u4f60\u7528\u4e8e\u533b\u7597\u4fdd\u5065\u3001\u65c5\u884c\u3001\u7231\u597d\u3001\u623f\u5c4b\u7ef4\u62a4\u548c\u5176\u4ed6\u9000\u4f11\u76ee\u6807\u7684\u8d44\u91d1\u51cf\u5c11\u3002\u4f46\u8fd9\u5e76\u4e0d\u610f\u5473\u7740\u4f60\u65e0\u6cd5\u5728\u9000\u4f11\u524d\u8fd8\u6e05\u623f\u8d37\u3002.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u65e0\u8bba\u4f60\u7684\u9000\u4f11\u751f\u6d3b\u662f\u9065\u8fdc\u8fd8\u662f\u4e34\u8fd1\uff0c\u73b0\u5728\u91c7\u53d6\u660e\u667a\u7684\u884c\u52a8\u90fd\u80fd\u663e\u8457\u51cf\u8f7b\u7ecf\u6d4e\u8d1f\u62c5\uff0c\u5e76\u4e3a\u65e0\u538b\u529b\u7684\u9000\u4f11\u751f\u6d3b\u94fa\u5e73\u9053\u8def\u3002.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u9000\u4f11\u524d\u5e94\u8be5\u8fd8\u6e05\u623f\u8d37\u5417\uff1f<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u8fd9\u6837\u505a\u662f\u5426\u660e\u667a\uff1f <a href=\"https:\/\/medbox.com\/zh\/should-you-pay-off-your-mortgage-before-retirement\/\">\u9000\u4f11\u524d\u8fd8\u6e05\u623f\u8d37\uff1f<\/a> \u4e0d\u603b\u662f\u5982\u6b64\u3002\u5982\u679c\u4f60\u9000\u4f11\u65f6\u6ca1\u6709\u623f\u8d37\uff0c\u6bcf\u6708\u7684\u4e00\u5927\u7b14\u5f00\u652f\u5c31\u4f1a\u6d88\u5931\uff0c\u8ba9\u4f60\u80fd\u591f\u66f4\u8f7b\u677e\u5730\u4f9d\u9760\u56fa\u5b9a\u6536\u5165\u751f\u6d3b\uff0c\u51cf\u5c11\u5f88\u591a\u5fe7\u8651\u3002.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u7136\u800c\uff0c\u5982\u679c\u4f60\u628a\u6240\u6709\u79ef\u84c4\u90fd\u6295\u5165\u5230\u623f\u8d37\u4e2d\uff0c\u53ef\u80fd\u5c31\u6ca1\u6709\u94b1\u5e94\u5bf9\u7d27\u6025\u60c5\u51b5\u6216\u5176\u4ed6\u6295\u8d44\u4e86\u3002\u6700\u7ec8\uff0c\u6b63\u786e\u7684\u51b3\u5b9a\u53d6\u51b3\u4e8e\u4f60\u7684\u623f\u8d37\u5229\u7387\u3001\u9000\u4f11\u6295\u8d44\u4ee5\u53ca\u4f60\u7684\u4e2a\u4eba\u8d22\u52a1\u76ee\u6807\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5728\u505a\u51fa\u51b3\u5b9a\u4e4b\u524d\uff0c\u8bf7\u5148\u95ee\u81ea\u5df1\u51e0\u4e2a\u4e0e\u62b5\u62bc\u8d37\u6b3e\u76f8\u5173\u7684\u91cd\u8981\u95ee\u9898\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u8ddd\u79bb\u4f60\u9000\u4f11\u8fd8\u6709\u591a\u5c11\u5e74\uff1f<\/li>\n\n\n\n<li>\u60a8\u7684\u623f\u8d37\u5229\u7387\u9ad8\u4e8e\u8fd8\u662f\u4f4e\u4e8e\u60a8\u7684\u9884\u671f\u6295\u8d44\u56de\u62a5\u7387\uff1f<\/li>\n\n\n\n<li>\u60a8\u662f\u5426\u6709\u5e94\u6025\u57fa\u91d1\u6765\u5e94\u5bf9\u610f\u5916\u5f00\u652f\uff1f<\/li>\n\n\n\n<li>\u4f60\u7684\u9000\u4f11\u8d26\u6237\u7f34\u6b3e\u662f\u5426\u5145\u8db3\uff1f<\/li>\n\n\n\n<li>\u8fd8\u6e05\u623f\u8d37\u540e\uff0c\u662f\u5426\u8fd8\u6709\u8db3\u591f\u7684\u73b0\u91d1\u652f\u4ed8\u533b\u7597\u8d39\u7528\u548c\u5176\u4ed6\u8d22\u52a1\u9700\u6c42\uff1f<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u6bcf\u4e2a\u9000\u4f11\u4eba\u5458\u7684\u8d22\u52a1\u72b6\u51b5\u90fd\u4e0d\u540c\uff0c\u56e0\u6b64\u6ca1\u6709\u4e00\u6210\u4e0d\u53d8\u7684\u7b54\u6848\u3002.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u4f55\u65f6\u8fd8\u6e05\u623f\u8d37\u624d\u662f\u660e\u667a\u4e4b\u4e3e<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u5982\u679c\u7b26\u5408\u4ee5\u4e0b\u60c5\u51b5\uff0c\u63d0\u524d\u8fd8\u6e05\u623f\u8d37\u53ef\u80fd\u662f\u4e2a\u660e\u667a\u4e4b\u4e3e\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u4f60\u7684\u5229\u7387\u5f88\u9ad8<\/strong>\u5982\u679c\u60a8\u7684\u623f\u8d37\u5229\u7387\u8f83\u9ad8\uff0c\u63d0\u524d\u8fd8\u6e05\u8d37\u6b3e\u53ef\u80fd\u4f1a\u5e26\u6765\u76f8\u5f53\u4e8e\u60a8\u8282\u7701\u7684\u5229\u606f\u7684\u6536\u76ca\u3002\u6839\u636e\u5e02\u573a\u8868\u73b0\uff0c\u8fd9\u53ef\u80fd\u6bd4\u5c06\u8fd9\u7b14\u989d\u5916\u7684\u8d44\u91d1\u6295\u8d44\u4e8e\u5176\u4ed6\u9886\u57df\u66f4\u6709\u5229\u3002.\u00a0<\/li>\n\n\n\n<li><strong>\u4f60\u60f3\u964d\u4f4e\u6bcf\u6708\u8d26\u5355\u91d1\u989d\u3002<\/strong>\u8fd8\u6e05\u623f\u8d37\u53ef\u4ee5\u7701\u53bb\u9000\u4f11\u540e\u4e00\u5927\u7b14\u5f00\u652f\uff0c\u4ece\u800c\u817e\u51fa\u66f4\u591a\u8d44\u91d1\u7528\u4e8e\u533b\u7597\u4fdd\u5065\u3001\u65c5\u884c\u548c\u65e5\u5e38\u5f00\u9500\u3002.\u00a0<\/li>\n\n\n\n<li><strong>\u4f60\u60f3\u8981\u8d22\u52a1\u7a33\u5b9a<\/strong>\u6bcf\u6708\u652f\u51fa\u51cf\u5c11\u610f\u5473\u7740\uff0c\u5373\u4f7f\u5e02\u573a\u4f4e\u8ff7\uff0c\u60a8\u4e5f\u4e0d\u5fc5\u6e05\u7b97\u6295\u8d44\u3002.\u00a0<\/li>\n\n\n\n<li><strong>\u4f60\u60f3\u8981\u7684\u662f\u5b89\u5fc3\u3002<\/strong>\u6446\u8131\u503a\u52a1\u53ef\u4ee5\u5e26\u6765\u5de8\u5927\u7684\u89e3\u8131\uff0c\u8ba9\u4f60\u665a\u4e0a\u7761\u5f97\u66f4\u597d\u3002.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">\u4f55\u65f6\u4fdd\u7559\u62b5\u62bc\u8d37\u6b3e\u53ef\u80fd\u66f4\u597d<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u5728\u67d0\u4e9b\u60c5\u51b5\u4e0b\uff0c\u7ee7\u7eed\u6301\u6709\u623f\u8d37\u53ef\u80fd\u662f\u66f4\u660e\u667a\u7684\u8d22\u52a1\u51b3\u7b56\u3002\u4ee5\u4e0b\u662f\u4e00\u4e9b\u4f8b\u5b50\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u60a8\u7684\u5229\u7387\u5f88\u4f4e\u3002.<\/strong> \u5982\u679c\u4f60\u7684 <a href=\"https:\/\/www.freddiemac.com\/pmms\">\u5229\u7387<\/a> 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<\/strong>\u968f\u7740\u5de5\u8d44\u548c\u7269\u4ef7\u4e0a\u6da8\uff0c\u4f60\u7684\u623f\u8d37\u6708\u4f9b\u4fdd\u6301\u4e0d\u53d8\uff0c\u8fd9\u4f7f\u5f97\u623f\u8d37\u76f8\u5bf9\u6765\u8bf4\u66f4\u5bb9\u6613\u8d1f\u62c5\u3002.\u00a0<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">\u9000\u4f11\u524d\u8fd8\u6e05\u623f\u8d37\u7684\u597d\u5904<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u9000\u4f11\u65f6\u6ca1\u6709\u623f\u8d37\u4f1a\u4ece\u4ee5\u4e0b\u51e0\u4e2a\u65b9\u9762\u6539\u53d8\u4f60\u7684\u8d22\u52a1\u72b6\u51b5\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u964d\u4f4e\u6bcf\u6708\u652f\u51fa\uff1a<\/strong> \u623f\u8d37\u5f88\u53ef\u80fd\u662f\u4f60\u6bcf\u6708\u6700\u5927\u7684\u5f00\u652f\u3002\u5982\u679c\u80fd\u51cf\u5c11\u8fd9\u90e8\u5206\u672c\u91d1\u548c\u5229\u606f\u7684\u652f\u51fa\uff0c\u5c31\u80fd\u663e\u8457\u51cf\u8f7b\u4f60\u6bcf\u6708\u7684\u7ecf\u6d4e\u8d1f\u62c5\u3002\u8fd9\u4f1a\u8ba9\u56fa\u5b9a\u6536\u5165\u8005\u7684\u751f\u6d3b\u8f7b\u677e\u8bb8\u591a\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u51cf\u8f7b\u8d22\u52a1\u538b\u529b\uff1a<\/strong> \u65e5\u5e38\u5f00\u652f\u4f1a\u6d88\u8017\u4f60\u7684\u9000\u4f11\u50a8\u84c4\u3002\u901a\u8fc7\u507f\u8fd8\u6700\u5927\u7684\u503a\u52a1\uff0c\u4f60\u53ef\u4ee5\u8ba9\u4f60\u7684\u751f\u6d3b\u66f4\u6709\u4f59\u5730\u6765\u5e94\u5bf9\u610f\u5916\u7684\u533b\u7597\u8d39\u7528\u3001\u901a\u8d27\u81a8\u80c0\u6216\u7ecf\u6d4e\u8870\u9000\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u9000\u4f11\u57fa\u91d1\u63d0\u4f9b\u66f4\u5927\u7684\u7075\u6d3b\u6027\uff1a<\/strong> \u56fa\u5b9a\u652f\u51fa\u8d8a\u4f4e\uff0c\u4f60\u9700\u8981\u4ece401(k)\u8d26\u6237\u4e2d\u63d0\u53d6\u7684\u8d44\u91d1\u5c31\u8d8a\u5c11\u3002 <a href=\"https:\/\/medbox.com\/zh\/regular-ira-vs-roth-ira-which-should-you-choose\/\">\u4e2a\u4eba\u9000\u4f11\u8d26\u6237<\/a>. \u51cf\u5c11\u4ece\u9000\u4f11\u8d26\u6237\u4e2d\u63d0\u53d6\u7684\u8d44\u91d1\u53ef\u4ee5\u964d\u4f4e\u60a8\u7684\u5e94\u7a0e\u6536\u5165\u3002\u5bf9\u4e8e\u4e00\u4e9b\u9000\u4f11\u4eba\u5458\u6765\u8bf4\uff0c\u8fd9\u53ef\u4ee5\u51cf\u5c11\u9700\u7f34\u7eb3\u8054\u90a6\u6240\u5f97\u7a0e\u7684\u793e\u4f1a\u4fdd\u969c\u798f\u5229\u91d1\u989d\uff0c\u5e76\u6709\u52a9\u4e8e\u51cf\u5c11\u4e0e\u6536\u5165\u76f8\u5173\u7684Medicare\u9644\u52a0\u4fdd\u8d39\uff08IRMAA\uff09\u3002.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u5b89\u5fc3\uff1a<\/strong> \u623f\u8d37\u8fd8\u6e05\u540e\uff0c\u4f60\u5c31\u80fd\u5b89\u5fc3\u5165\u7761\uff0c\u786e\u4fe1\u81ea\u5df1\u4f59\u751f\u90fd\u6709\u5730\u65b9\u4f4f\u3002\u62e5\u6709\u65e0\u503a\u4e00\u8eab\u8f7b\u7684\u623f\u4ea7\u6240\u5e26\u6765\u7684\u81ea\u7531\u662f\u65e0\u4ef7\u7684\u3002.<\/p>\n\n\n<section\n        class=\"section-cta gutenberg-block  is-round\" \n        style=\"background-color: #e8f2ee;        --cta-padding-top-desktop: 47px;        --cta-padding-top-tablet: 47px;        --cta-padding-top-mobile: 30px;        --cta-padding-bottom-desktop: 47px;        --cta-padding-bottom-tablet: 47px;        --cta-padding-bottom-mobile: 30px;        --cta-padding-sides-desktop: 20px;        --cta-padding-sides-tablet: 20px;        --cta-padding-sides-mobile: 20px;\">\n    <div class=\"sk-container section-cta__container\">\n        <div class=\"section-cta__wrapper sm\">\n                            <div class=\"section-cta__body is-layout-sm\">\n                                            <h2 class=\"section-cta__title sk-text--h4\">\u6211\u4eec\u7684\u836f\u623f\u4f1a\u5bf9\u60a8\u7684\u836f\u7247\u8fdb\u884c\u5206\u7c7b\u548c\u5305\u88c5\u3002<\/h2>\n                                                        <\/div>\n                        \n                                        <a href=\"https:\/\/medbox.com\/zh\/how-it-works\/\" class=\"section-cta__btn sk-btn sk-btn--primary\" target=\"_self\"\n    \n     title=\"\u5f00\u59cb\" >\n\n          <span class=\"wrapp-title-link\">\u5f00\u59cb<\/span>\n    \n    \n    \n      <\/a>\n\n                    <\/div>\n    <\/div>\n    <\/section>\n\n\n\n<h2 class=\"wp-block-heading\">\u5728\u63d0\u524d\u8fd8\u6e05\u623f\u8d37\u4e4b\u524d<\/h2>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"alignright size-full\">\n\n                                \n    \n  <picture>\n    <source type=\"image\/webp\" sizes=\"100vw\" srcset=\"https:\/\/medbox.com\/wp-content\/uploads\/2026\/09\/senior-couple-home-100x0-c-default.webp 100w, https:\/\/medbox.com\/wp-content\/uploads\/2026\/09\/senior-couple-home-200x0-c-default.webp 200w, https:\/\/medbox.com\/wp-content\/uploads\/2026\/09\/senior-couple-home-400x0-c-default.webp 400w, https:\/\/medbox.com\/wp-content\/uploads\/2026\/09\/senior-couple-home.webp 420w\">\n    <source type=\"image\/jpeg\" sizes=\"100vw\" srcset=\"https:\/\/medbox.com\/wp-content\/uploads\/2026\/09\/senior-couple-home-100x0-c-default.jpg 100w, https:\/\/medbox.com\/wp-content\/uploads\/2026\/09\/senior-couple-home-200x0-c-default.jpg 200w, https:\/\/medbox.com\/wp-content\/uploads\/2026\/09\/senior-couple-home-400x0-c-default.jpg 400w, https:\/\/medbox.com\/wp-content\/uploads\/2026\/09\/senior-couple-home.jpg 420w\">\n    <img class=\"\" width=\"420\" height=\"280\" alt=\"senior-couple-home\" src=\"https:\/\/medbox.com\/wp-content\/uploads\/2026\/09\/senior-couple-home.jpg\" loading=\"lazy\">\n  <\/picture>\n\n<\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\">\u5728\u5c06\u6bcf\u4e00\u5206\u989d\u5916\u7684\u94b1\u90fd\u7528\u4e8e\u507f\u8fd8\u623f\u8d37\u4e4b\u524d\uff0c\u8bf7\u786e\u4fdd\u60a8\u5df2\u7ecf\u6ee1\u8db3\u4e86\u5176\u4ed6\u91cd\u8981\u7684\u8d22\u52a1\u9700\u6c42\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u5efa\u7acb\u4e00\u4e2a\u8db3\u4ee5\u652f\u4ed8\u51e0\u4e2a\u6708\u751f\u6d3b\u5f00\u652f\u7684\u5e94\u6025\u57fa\u91d1\u3002.<\/li>\n\n\n\n<li>\u507f\u8fd8\u9ad8\u606f\u503a\u52a1\uff0c\u4f8b\u5982\u4fe1\u7528\u5361\u6216\u4e2a\u4eba\u8d37\u6b3e\u3002.<\/li>\n\n\n\n<li>\u5982\u679c\u96c7\u4e3b\u63d0\u4f9b\u9000\u4f11\u8ba1\u5212\uff0c\u8bf7\u786e\u4fdd\u60a8\u7f34\u7eb3\u7684\u91d1\u989d\u8db3\u4ee5\u83b7\u5f97\u5168\u989d\u5339\u914d\u7f34\u6b3e\u3002.<\/li>\n\n\n\n<li>\u786e\u8ba4\u60a8\u7684\u62b5\u62bc\u8d37\u6b3e\u6ca1\u6709\u63d0\u524d\u8fd8\u6b3e\u7f5a\u91d1\u3002.<\/li>\n\n\n\n<li>\u8003\u8651\u4e0e\u2026\u2026\u4ea4\u8c08 <a href=\"https:\/\/medbox.com\/zh\/how-to-find-a-good-financial-advisor\/\">\u8d22\u52a1\u987e\u95ee<\/a> \u5982\u679c\u4f60\u4e0d\u786e\u5b9a\u507f\u8fd8\u623f\u8d37\u8fd8\u662f\u6295\u8d44\u662f\u66f4\u597d\u7684\u9009\u62e9\u3002.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">\u5982\u4f55\u5728\u9000\u4f11\u524d\u8fd8\u6e05\u623f\u8d37\u00a0<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u4ee5\u4e0b\u662f\u63d0\u524d\u8fd8\u6e05\u623f\u8d37\u7684\u4e94\u79cd\u7b56\u7565\uff1a&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">1. \u989d\u5916\u507f\u8fd8\u672c\u91d1<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u6bcf\u6708\u989d\u5916\u507f\u8fd8\u672c\u91d1\u3002\u901a\u8fc7\u66f4\u5feb\u5730\u51cf\u5c11\u672c\u91d1\u4f59\u989d\uff0c\u60a8\u53ef\u4ee5\u964d\u4f4e\u6bcf\u6708\u4ea7\u751f\u7684\u5229\u606f\u91d1\u989d\u3002.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5373\u4f7f\u4f60\u6bcf\u6708\u53ea\u80fd\u989d\u5916\u652f\u4ed8 $100 \u6216 $200 \u6765\u507f\u8fd8\u62b5\u62bc\u8d37\u6b3e\u672c\u91d1\uff0c\u4f60\u4e5f\u80fd\u63d0\u524d\u51e0\u5e74\u8fd8\u6e05\u8d37\u6b3e\uff0c\u5e76\u8282\u7701\u6570\u5343\u7f8e\u5143\u7684\u5229\u606f\u3002.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">2. \u6539\u4e3a\u6bcf\u4e24\u5468\u652f\u4ed8\u4e00\u6b21\u623f\u8d37<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u6bcf\u4e24\u5468\u652f\u4ed8\u4e00\u534a\u623f\u8d37\u610f\u5473\u7740\u4f60\u6bcf\u5e74\u53ef\u4ee5\u591a\u652f\u4ed8\u4e00\u6b21\u5168\u989d\u8fd8\u6b3e\u3002\u4e00\u5e74\u670952\u5468\uff0c\u4f60\u4e00\u5e74\u9700\u8981\u652f\u4ed826\u6b21\u534a\u989d\u8fd8\u6b3e\u3002\u4e5f\u5c31\u662f\u8bf4\uff0c\u6bcf\u5e74\u53ea\u9700\u652f\u4ed813\u6b21\uff0c\u800c\u4e0d\u662f12\u6b21\uff0c\u800c\u591a\u51fa\u7684\u8fd9\u7b14\u6b3e\u9879\u5c06\u7528\u4e8e\u507f\u8fd8\u672c\u91d1\u3002\u6839\u636e\u4f60\u7684\u8d37\u6b3e\u6761\u6b3e\u548c\u5229\u7387\uff0c\u5207\u6362\u5230\u2026\u2026 <a href=\"https:\/\/www.skowhegan.com\/blog-bi-weekly-mortgages-\">\u6bcf\u4e24\u5468\u652f\u4ed8\u4e00\u6b21<\/a> \u53ef\u4ee5\u7f29\u77ed\u8fd8\u6b3e\u671f\u9650\u6570\u5e74\uff0c\u540c\u65f6\u51cf\u5c11\u8d37\u6b3e\u671f\u9650\u5185\u652f\u4ed8\u7684\u603b\u5229\u606f\u3002.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">3. \u5229\u7528\u610f\u5916\u4e4b\u8d22\u548c\u5956\u91d1\u6765\u51cf\u5c11\u8d37\u6b3e\u4f59\u989d<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u5229\u7528\u5e74\u7ec8\u5956\u91d1\u3001\u9000\u7a0e\u6216\u5176\u4ed6\u610f\u5916\u4e4b\u8d22\u6765\u964d\u4f4e\u8d37\u6b3e\u4f59\u989d\u3002\u5c06\u8fd9\u7b14\u610f\u5916\u4e4b\u8d22\u7528\u4e8e\u507f\u8fd8\u672c\u91d1\uff0c\u6709\u52a9\u4e8e\u60a8\u5728\u4e0d\u5f71\u54cd\u6bcf\u6708\u9884\u7b97\u7684\u60c5\u51b5\u4e0b\u51cf\u5c11\u8d37\u6b3e\u3002.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u52a1\u5fc5\u6307\u793a\u60a8\u7684\u8d37\u6b3e\u670d\u52a1\u673a\u6784\uff0c\u5c06\u8fd9\u4e9b\u989d\u5916\u6b3e\u9879\u7528\u4e8e\u507f\u8fd8\u60a8\u7684\u672c\u91d1\u4f59\u989d\uff0c\u800c\u4e0d\u662f\u7528\u4e8e\u672a\u6765\u7684\u8fd8\u6b3e\u6216\u5b58\u5165\u7b2c\u4e09\u65b9\u6258\u7ba1\u8d26\u6237\u3002.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">4. \u901a\u8fc7\u526f\u4e1a\u6216\u517c\u804c\u589e\u52a0\u6536\u5165<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u8003\u8651\u63a5\u53d7 <a href=\"https:\/\/medbox.com\/zh\/4-amazing-part-time-jobs-for-seniors-and-retirees\/\">\u9000\u4f11\u4eba\u5458\u517c\u804c\u5de5\u4f5c<\/a>. \u53ef\u4ee5\u662f\u54a8\u8be2\u5de5\u4f5c\u3001\u81ea\u7531\u804c\u4e1a\uff0c\u6216\u8005\u5468\u672b\u517c\u804c\u3002\u5c06\u8fd9\u4efd\u5de5\u4f5c\u7684\u5168\u90e8\u6536\u5165\u7528\u4e8e\u507f\u8fd8\u623f\u8d37\u3002\u7136\u540e\u5c06\u4f60\u7684\u65e5\u5e38\u5de5\u8d44\u7528\u4e8e\u65e5\u5e38\u5f00\u652f\u3002\u6301\u7eed\u5c06\u989d\u5916\u6536\u5165\u7528\u4e8e\u507f\u8fd8\u623f\u8d37\u53ef\u4ee5\u52a0\u5feb\u672c\u91d1\u51cf\u5c11\u901f\u5ea6\uff0c\u7f29\u77ed\u8fd8\u6b3e\u671f\u9650\u3002.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u628a\u517c\u804c\u8d5a\u6765\u7684\u989d\u5916\u6536\u5165\u7528\u6765\u8fd8\u623f\u8d37\uff0c\u80fd\u8ba9\u4f60\u6bd4\u60f3\u8c61\u4e2d\u66f4\u5feb\u5730\u6446\u8131\u503a\u52a1\u3002\u800c\u4e14\uff0c\u4f60\u65e0\u9700\u51cf\u5c11\u65e5\u5e38\u5f00\u652f\uff0c\u4e5f\u4e0d\u4f1a\u964d\u4f4e\u751f\u6d3b\u54c1\u8d28\u3002.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">5. \u6362\u4e00\u5957\u66f4\u7ecf\u6d4e\u5b9e\u60e0\u7684\u623f\u5b50<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u5982\u679c\u4f60\u5356\u6389\u4f60\u7684\u5bb6\u5ead\u4f4f\u5b85\uff0c <a href=\"https:\/\/medbox.com\/zh\/a-guide-to-downsizing-for-seniors-when-how-to-downsize\/\">\u7f29\u51cf\u89c4\u6a21<\/a> \u5982\u679c\u60f3\u4e70\u4e00\u5957\u9762\u79ef\u66f4\u5c0f\u3001\u4ef7\u683c\u66f4\u5b9e\u60e0\u7684\u623f\u5b50\uff0c\u60a8\u53ef\u4ee5\u5229\u7528\u623f\u5c4b\u51c0\u503c\u5b8c\u5168\u507f\u8fd8\u6216\u5c3d\u53ef\u80fd\u51cf\u5c11\u8d37\u6b3e\u3002\u5356\u623f\u6240\u5f97\u6b3e\u9879\u65e2\u53ef\u4ee5\u5168\u989d\u652f\u4ed8\u4e0b\u4e00\u5957\u623f\u5b50\u7684\u8d39\u7528\uff0c\u4e5f\u53ef\u4ee5\u8ba9\u60a8\u53ea\u80cc\u8d1f\u4e00\u7b14\u6570\u989d\u5f88\u5c0f\u3001\u6613\u4e8e\u7ba1\u7406\u7684\u8d37\u6b3e\u3002.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5356\u6389\u623f\u5b50\u6362\u5c0f\u623f\u5b50\u53ef\u4ee5\u5e2e\u52a9\u4f60\u507f\u8fd8\u8d37\u6b3e\u672c\u91d1\uff0c\u8fd8\u53ef\u4ee5\u964d\u4f4e\u623f\u4ea7\u7a0e\u3001\u6c34\u7535\u8d39\u548c\u7ef4\u62a4\u8d39\u3002.<\/p>\n\n\n<section\n        class=\"section-cta gutenberg-block  is-round\" \n        style=\"background-color: #e8f2ee;        --cta-padding-top-desktop: 47px;        --cta-padding-top-tablet: 47px;        --cta-padding-top-mobile: 30px;        --cta-padding-bottom-desktop: 47px;        --cta-padding-bottom-tablet: 47px;        --cta-padding-bottom-mobile: 30px;        --cta-padding-sides-desktop: 20px;        --cta-padding-sides-tablet: 20px;        --cta-padding-sides-mobile: 20px;\">\n    <div class=\"sk-container section-cta__container\">\n        <div class=\"section-cta__wrapper sm\">\n                            <div class=\"section-cta__body is-layout-sm\">\n                                            <h2 class=\"section-cta__title sk-text--h4\">\u60a8\u7684\u5904\u65b9\u5206\u7c7b\u548c\u4ea4\u4ed8<\/h2>\n                                                        <\/div>\n                        \n                                        <a href=\"https:\/\/medbox.com\/zh\/how-it-works\/\" class=\"section-cta__btn sk-btn sk-btn--primary\" target=\"_self\"\n    \n     title=\"\u5728\u7ebf\u6ce8\u518c\" >\n\n          <span class=\"wrapp-title-link\">\u5728\u7ebf\u6ce8\u518c<\/span>\n    \n    \n    \n      <\/a>\n\n                    <\/div>\n    <\/div>\n    <\/section>\n\n\n\n<h2 class=\"wp-block-heading\">\u7ed3\u8bba\uff1a\u63d0\u524d\u8fd8\u6e05\u623f\u8d37\u662f\u4e00\u4e2a\u4e0d\u9519\u7684\u9009\u62e9<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u9000\u4f11\u65f6\u8fd8\u6e05\u623f\u8d37\u4e0d\u4ec5\u4ec5\u662f\u9884\u7b97\u8868\u4e0a\u5c11\u5212\u6389\u4e00\u9879\u5f00\u652f\uff0c\u66f4\u91cd\u8981\u7684\u662f\u786e\u4fdd\u9000\u4f11\u540e\u7ecf\u6d4e\u72ec\u7acb\uff0c\u4e0d\u518d\u6709\u56fa\u5b9a\u6536\u5165\u6765\u6e90\u3002\u9009\u62e9\u6700\u4f73\u7b56\u7565\u63d0\u524d\u8fd8\u6e05\u623f\u8d37\uff0c\u53ef\u4ee5\u663e\u8457\u964d\u4f4e\u9000\u4f11\u540e\u7684\u56fa\u5b9a\u652f\u51fa\uff0c\u8ba9\u60a8\u771f\u6b63\u653e\u677e\u8eab\u5fc3\uff0c\u4eab\u53d7\u665a\u5e74\u751f\u6d3b\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u65e0\u8bba\u60a8\u9009\u62e9\u63d0\u524d\u8fd8\u6e05\u623f\u8d37\u8fd8\u662f\u5c06\u5176\u4fdd\u7559\u5230\u9000\u4f11\u540e\uff0c\u76ee\u6807\u90fd\u662f\u5236\u5b9a\u4e00\u4e2a\u80fd\u591f\u652f\u6301\u60a8\u7684\u751f\u6d3b\u65b9\u5f0f\u3001\u4fdd\u62a4\u60a8\u7684\u50a8\u84c4\u5e76\u8ba9\u60a8\u5728\u6574\u4e2a\u9000\u4f11\u751f\u6d3b\u4e2d\u5145\u6ee1\u4fe1\u5fc3\u7684\u8d22\u52a1\u8ba1\u5212\u3002.<\/p>","protected":false},"excerpt":{"rendered":"<p>For most people, housing is the largest expense in retirement. On average, housing accounts for about 36% of annual expenditures for adults aged 65 and older, which is why it\u2019s one of retirement\u2019s greatest challenges on a fixed income.\u00a0 If you enter retirement with a mortgage, a significant portion of your fixed income may still go toward housing costs. That can leave less money for healthcare, travel, hobbies, home maintenance, and other retirement goals. But that doesn\u2019t mean you can\u2019t pay off your mortgage before retirement.<\/p>","protected":false},"author":24,"featured_media":16215,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[208],"tags":[68,353,491,492,493],"class_list":["post-16213","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finance","tag-retirement","tag-debt","tag-mortage","tag-housing","tag-interest-rates"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>A Guide to Paying Off Your Mortgage Before Retirement | MedBox | Medications Sorted By Dose | Full-Service Pharmacy<\/title>\n<meta name=\"description\" content=\"Learn how to pay off your mortgage before retirement with practical strategies to reduce debt, lower expenses, and enjoy greater financial freedom.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/medbox.com\/zh\/a-guide-to-paying-off-your-mortgage-before-retirement\/\" \/>\n<meta property=\"og:locale\" content=\"zh_CN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"A Guide to Paying Off Your Mortgage Before Retirement | MedBox | Medications Sorted By Dose | Full-Service Pharmacy\" \/>\n<meta property=\"og:description\" content=\"Learn how to pay off your mortgage before retirement with practical strategies to reduce debt, lower expenses, and enjoy greater financial freedom.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/medbox.com\/zh\/a-guide-to-paying-off-your-mortgage-before-retirement\/\" \/>\n<meta property=\"og:site_name\" content=\"MedBox | Medications Sorted By Dose | Full-Service Pharmacy\" \/>\n<meta property=\"article:published_time\" 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