房产抵押消费贷款,就是借款人将自己或他人(如亲属、朋友、同事)拥有所有权的房产作抵押,向银行申请贷款,该贷款可用于各种消费用途,如装修、买车、出国、旅游、留学等,也可用于各种资金周转和经营性用途的。但是不能用于购买房屋。【一般来讲,住房抵押消费贷款主要是指银行向个人客户发放的有指定消费用途的贷款,不包含买房,包括购车、旅游、留学、耐用品消费等消费性个人贷款以借款人本人或第三人所有的依法有权处分的住房作抵押。】
在美国信贷繁荣的时候,房产成了提款机,人们将再抵押贷款发行股票,又刺激了他们消费。
In America houses turned into cash machines during the credit boom as people remortgaged to release equity and boost their spending.
消费信贷是个人和家庭用于满足个人需求(房产抵押贷款例外)的信贷,与企业信贷相反。
Consumer credit is a personal and family used to meet personal needs (except real estate mortgage) credit, and credit the opposite.
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