个人住房抵押贷款已经成为住房金融的核心，针对我国存在的不足，提出一些新的想法，设计一些新的还贷方式以规避风险是刻不容缓的现实。

Private mortgage loan has become the core of housing finance. In this country, it is urgent to introduce new ideas and new models to avoid potential risks.

youdao

个人住房抵押贷款已经成为住房金融的核心，针对我国存在的不足，提出一些新的想法，设计一些新的还贷方式以规避风险是刻不容缓的现实。

Private mortgage loan has become the core of housing finance. In this country, it is urgent to introduce new ideas and new models to avoid potential risks.

youdao