Since the year when the welfare housing stopped distributing in 1998,personal housing mortgage loans in commercial banks have surged accounting for its major share in the residential housing purchase.
近年来随着我国经济的高速发展,房地产业已成为国民经济的重要支柱产业之一,而住房金融对推动我国房地产业的快速发展起到了关键作用,从1998年国家停止福利分房以来,商业银行的个人住房按揭贷款发展迅猛并已成为我国居民购买住房的主要融资模式,与此同时,由于在个人住房按揭贷款发展初期不规范行为和当前部分地区房价泡沫的出现,给商业银行的个人住房按揭贷款带来了较大的风险隐患。
The housing mortgage loan has already been on some scale since it appeared.
住房按揭贷款自开办以来,已初具规模。
This paper expounds the features and main representation forms of the false mortgage loan for house,analyzes on reasons and damages of false mortgage,and based on this,advances some suggestions on preventing the false mortgage loan for house.
简述了虚假房屋按揭贷款的特征及主要表现形式,分析了虚假按揭的形成原因及其危害性,在此基础上提出了防范虚假房屋按揭贷款的建议。
Academic circles only just start their research on the mode of mortgage loan,so the relative papers can hardly be found.
学术界对客车按揭贷款模式的探索才刚刚起步。
There are a lot of traps in the personal mortgage loan, all relevant article aims to protecting the bank interests at present, few article analyses such questions for protecting debtor s interests, in view of this, this text analyses the common risk and trap in the course of individual Mortgage loan and refunds , and put up some settlement measures.
个人按揭贷款中存在很多陷阱,目前此类相关文章都是从保护银行的角度出发,而从保护借款人利益的角度进行分析的文章却几乎没有,鉴于此,本文对个人贷款与还款过程中常见的风险与陷阱进行分析,并提出一些解决措施。
Formula of loan repagment ratio calculation in mortgage and deduced from concept of annuity.
利用经济学中年金的概念及数学知识推导出按揭贷款还款额的计算公式 ,并在此基础上探讨了还款方式 ,为借款方制订合理的还款计划提供了计算依
This essay discusses two forms of calculation of the complicated actual interest rate and deduces the formulas to calculate the actual interest rate in the transaction of fixed deposit within N years as well as in the transaction of mortgage.
本文讨论了金融业务中两种常用的较为复杂的实际利率的计算问题 ;推导出了 n年定期存款业务中实际利率的计算公式和按揭贷款业务中实际利率的计算公式 ;同时 ,结合我国现行的存款利率政策和按揭贷款政策 ,讨论了实际利率的应用问
The load way of mortgage has been adopted in southeast foreland of our country to solve this embarrassed.
为解决这一尴尬状况，我国东南沿海地区率先采用按揭贷款的融资方式。
private residential mortgage lending
私人住宅物业按揭贷款
Residential mortgage loans grew modestly during the year, while loans for building, construction, property development and investment contracted moderately.
年内住宅按揭贷款温和增长，建造业及物业发展与投资方面的贷款则轻微下降。
The consume loan of personal house-mortgating-loanand risk preventing;
个人住房消费信贷——按揭贷款风险防范
The total value of residential mortgage loans in negative equity was about 115 billion HK dollars, accounting for 21% of the total value of the outstanding mortgage loans.
负资产住宅按揭贷款总值约为１１５０亿港元，占未偿还住宅按揭贷款总额的２１％。
Securitization of Secured Loan Assets of Housing -The Way to Chinese Housing Commercialization;
住房按揭贷款资产证券化——中国住宅商品化的出路
Hong Kong Monetary Authority Announces Results of Latest Survey of Banks on Residential Mortgage Loans in Negative Equity
香港金管局公布银行负资产住宅按揭贷款最新调查结果
Analysis of the risk to Housing Mortgage loanasset securities in Commercial Bank of China;
我国商业银行住房按揭贷款风险及资产证券化
BOC Housing Mortgage Loan Business Development Strategy in Chang Chun
中行长春市住房按揭贷款业务发展策略
Guarding Against Risk of Personal Housing Mortgage of Bank in Law;
个人住房按揭贷款及银行法律风险防范
The survey shows that at the end of March this year, the average loan-to-value ratio of the aggregate portfolio of residential mortgage loans in negative equity remained at a level of about 125%.
调查显示，整体负资产住宅按揭贷款组合在今年３月底的平均按揭成数维持在１２５％的水平左右。
Risk Management of Personal Housing Mortgage Loan from the Angle of Secondary Loan Crisis
透视次贷危机看我国个人住房按揭贷款风险管理
More than 99 per cent of new mortgage loans approved were for owner-occupiers, showing that the market was largely end-user driven.
年内批出的新按揭贷款，超过99%都是批予业主自住的物业，说明市场基本是由用家带动。
On the Risks and Preventions of Housing Loans;
浅谈住房按揭贷款的风险及防范措施
So, the destiny of the mortgage loan of not merely personal house and destiny of the real estate are of close concern to each other;
所以,不仅个人住房按揭贷款的命运和房地产业与银行业的命运休戚相关;
Systematic Prevention of Cheating Personal Mortgage Loans in Real Estate Credits
住房信贷业务流程中“假个人按揭”的制度防范
On the Phenomenon of “Loan Return before Stated Time” in Housing Mortgage in China;
对我国住房按揭贷款“提前还贷”现象的思考
Analysis of Individual Housing Mortgage Loan Risk and the Preventive Countermeasures in JiLin Construction Bank;
吉林省建行个人住房按揭贷款风险分析及防范对策
At the end of December last year, the total number of residential mortgage loans in negative equity was 73,000 with an aggregate value of 125 billion HK dollars.
去年１２月底的负资产住宅按揭贷款总数则为７３０００宗，总值约为１２５０亿港元。