同时市场利率的波动对个人住房消费贷款也有重要的影响。

At the same time the market interest rate fluctuations also have great impact on the personal housing consumption loan.

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文章在总结影响提前清偿的主要因素的基础上，分析了住房消费贷款提前清偿的一些基本度量方法与模型。

Based on abstracting the main factors which effect upon prepayment behavior, this article analyzes its basic measuring traditions and some forecasting models.

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因为数百万人把住房作为一般贷款的附属担保品，房价飙升也拉动消费激增，随着繁荣的持续，破产的危险泡沫也越吹越大。

Since millions use their homes as collateral for general loans, the house-price boom also exaggerated the consumer boom while it lasted, and amplified the bust when that came.

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Saving and Loan Associations, by the way, no longer exclusively limit themselves to mortgage lending -either they do home improvement lending and auto loans and the like as well.

顺便提一下,储贷协会,现在也不仅限于发放抵押贷款,他们也发放住房装修贷款,及汽车消费贷款之类的

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