住房贷款

现在许多理财专家不建议人们把住房贷款全部还清。

Many financial planners now recommend against ever fully paying off your home loan .

你住房贷款的利率是多少？

What are your home loan interest rates ?

从SPV在住房贷款证券化中的作用入手，阐明其核心是隔离破产风险。

This paper explains the core of SPV ( Special Purpose Vehicle ) is the segregation of bankrupting risks from the function of SPV in the mortgaged-backed securitization .

本文选取中国建设银行做为案例，从个人住房贷款业务为切入点来分析应用CPI理论来建构流程银行的可行性、适用性。

It selected the Chinese Construction Bank as a case , which is from the IHL business as a starting point . It analyzed the feasibility and applicability of the application CPI to build and develop PBS .

应用M-T-M模型，根据考虑了住房贷款提前清偿风险、国债市场利率期限结构的住房贷款价值的变动情况对贷款初期利率进行年度的定价调整。

As the basis ; ( 2 ) To adjust the subsequently annual mortgage loan interest rate by using M-T-M model to confirm the alteration of value of the mortgage loan which related with the prepayment risk and term structure of interest rate in national debt market .

关于个人住房贷款中借款人资信评估问题的探讨

Exploration on Creditworthy Evaluation of a Loanee of Personal Housing Loan

扩大住房贷款，助学贷款和大件消费品贷款

Expand housing loans , student loans and major commodity loans

政府措施还使得消费者更难申请到住房贷款。

They have also made it harder for consumers to obtain mortgages .

下降最多的是信用卡贷款和住房贷款。

The biggest drops were in credit card lending and home loans .

非对称信息下银行个人住房贷款风险成因与防范

Cause and Countermeasures of the Risks from Individual Housing Loan for Unmatched Information

对我国个人住房贷款的几点思考

Preliminary Thoughts on the Personal Housing Loans in China

全国首例个人住房贷款保险纠纷案评析

Comments on the First Case of Lawsuit Concerning Individual Housing Loan in China

信息不对称是我国银行个人住房贷款风险产生的深层次原因。

Unmatched information is the profound reason for bank credit risks in China .

关于我国住房贷款风险防范措施的研究

A Research for Measures Against the Risks of Loan for Housing in China

因此，本文重点研究个人住房贷款信用风险评估体系，并在此基础上，尝试构建我国商业银行个人住房贷款的信用风险管理体系。

This paper focuses on credit risk of residential mortgages in commercial banks .

但是一个经济人替你找到了一个可以给你提供住房贷款的人。

But a broker who finds lenders for homebuyers offers you a deal .

在此背景下，个人住房贷款作为一种新的金融产品应运而生。

In this context , the individual housing loans emerged as new financial products .

个人住房贷款主要风险分析及控制研究

The Analysis and Control Study on the Main Risk of the Individual Housing Loan

第二章介绍我国现有商业银行住房贷款制度、法律法规和政策。

The 2nd chapter describes our current real asset financial rules , policy and laws .

当前，发展个人住房贷款业务面临新的形势和新的挑战。

Now , the development of the personal house credit faces new challenge and new conditions .

个人住房贷款的市场风险有深化表现，即房地产价格泡沫导致金融危机。

Part one : the paper analyzed the connotation of market risks of personal housing consumption loan .

住房贷款与房地产价格关系的实证研究&来自深圳的证据

An Empirical Study on the Relationship Between Housing Loans and Housing Price & Evidence from Shenzhen City

要实现住房贷款的可持续发展，必须进行风险防范。

Precautions against these risks must be taken in order to realize the sustainable development of the housing loan .

个人住房贷款分为自营性住房贷款、委托住房贷款和组合贷款。

Housing loans are divided into housing loans on own account , housing loans on authorization and combined loans .

例如，住房贷款公司通过规则来确定贷款申请者是否达到贷款条件。

For example , a mortgage lending company would have rules to determine if a person qualified for a loan .

然而，我国各商业银行个人住房贷款风险防控机制还尚不完善，还存在着很多问题。

However , the control mechanism of Risk management of individual housing-loaning where there are lots of problems is not perfect .

未来几个月，银行在重组数以万计的住房贷款时，也将执行这些原则。

Banks will use the guidelines as they try to restructure tens of thousands of home loans in the next months .

目前，我国住房贷款业务已得到迅速发展，各大银行纷纷扩大业务规模，争夺贷款市场。

Nowadays , the personal housing consumption loan has developed quickly so that banks expand its business and grab the loan market .

购房新帮手：个人再交易住房贷款购买本公司房产，房款可按年分期支付。

A New Coagent in House-purchasing : Housing Loans for Personal Re-transactions Payment for our real estate may Be made in annual installments .

与此同时，作为典型的资金密集型行业，房地产业与商业银行经营活动日益紧密的联系在一起，在房价不断攀升的情况下，各商业银行均将个人住房贷款视为优质资产和重要业务。

As the house price is continuously increasing , business banks look the personal housing loan as high quality assets and important business .