Problem in Mortgage Loan on Housing and Its Countermeasure

doi:10.11835/j.issn.1674-4764.2003.04.020

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Problem in Mortgage Loan on Housing and Its Countermeasure

更新时间：2023-11-28

- Problem in Mortgage Loan on Housing and Its Countermeasure
- Journal of Civil and Environmental Engineering Vol. 25, Issue 4, Pages: 95-98(2003)
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- DOI：10.11835/j.issn.1674-4764.2003.04.020
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- Published：2003
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Problem in Mortgage Loan on Housing and Its Countermeasure[J]. Journal of Civil and Environmental Engineering, 2003, 25(4): 95-98.
DOI：

Problem in Mortgage Loan on Housing and Its Countermeasure[J]. Journal of Civil and Environmental Engineering, 2003, 25(4): 95-98. DOI： 10.11835/j.issn.1674-4764.2003.04.020.

摘要

近几年，我国的个人住房抵押贷款业务呈快速上升态势，但是随着贷款规模的进一步扩大，个人住房抵押贷款中存在的问题也日益暴露出来。笔者在综合分析我固住房抵押贷款中存在的问题的基础上，针对还款方式单一、个人住房抵押贷款保险不完善以及个人信用体系不健全这三个主要问题进行重点分析，在借鉴其他固家先进经验的基础上，提出了相应的对策和措施：抵押贷款还款方式多样化、建立和完善个人住房抵押贷款保险制度、建立规范的社会共享的个人征信系统以及实现个人住房贷款证券化。以期使我固住房抵押贷款走上健康发展的道路。

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Problem in Mortgage Loan on Housing and Its Countermeasure

DOI：10.11835/j.issn.1674-4764.2003.04.020

摘要

Abstract

关键词

Keywords

references