个人住房抵押贷款已逐渐成为个人买房的必由选择。
Individual housing mortgage loan is gradually becoming a good choice to buy houses for families.
第二部分——个人住房抵押贷款风险防范与个人信用征信制度。
Section two: the risks prevention system of individual housing loan and the individual credit reporting system.
个人住房抵押贷款已经成为世界上被最广泛采用的贷款供应形式。
Personal housing mortgage loans have been the most widely adopted way of loans supply in the world.
第二部分分析了市场房价变动对个人住房抵押贷款市场风险的影响。
Part two: the paper analyzed the impact that fluctuation of the market house price impose on residential mortgage.
去年，中国建设银行和工商银行的个人住房抵押贷款规模已增加到一百亿元。
Last year, the size of the China Construction Bank and the Industrial and Commerce Bank's personal housing mortgages and loans increased to 10 billion yuan.
个人住房抵押贷款作为启动住房消费的有效措施之一，近年来已有了长足发展。
As an effective means to stir up residential consumption, residential Mortgage Loan has been developed very quickly in recent years.
对提前还款风险的研究和控制，已经成为个人住房抵押贷款风险管理的重要课题。
Thus, the study and control on the prepayment risk has become a key research subject of the risk management of personal housing mortgage loan.
文章分析了个人住房抵押贷款风险类型，探讨了其产生的原因，并提出了相应的防范对策。
This paper analyzed the kinds and causes of personal housing mortgage loan, and then advanced some countermeasures.
长期以来，我国的住房金融主要是依靠商业银行个人住房抵押贷款、住房公积金贷款业务。
For a long time, the major sources of home finance are coming from home mortgage loans and housing mutual funds.
当个人信贷买房逐渐走进人们生活的时候，个人住房抵押贷款风险问题已成为当今热门的话题。
When buying a house with bank loan is popular in China, the risk of personal housing mortgage loan becomes to be today's live topic.
在办理个人住房抵押贷款保险中，保险公司违规支付高额代理手续费已成为保险业的普遍现象。
In mortgage loan insurance, breaching the regulations to pay agency service charge has already been the widespread phenomenon of the insurance industry.
对政策性住房信贷业务、住房公积金和商业性的个人住房抵押贷款的现状、问题进行较为详细的分析。
It also analyzes in detail the current situation and problems in policy-related residential credit business, residential accumulation fund and the housing mortgage loans.
当前，个人住房抵押贷款已成为促进消费、拉动经济，调整银行信贷结构，形成银行效益的新的增长点。
By nowadays, individual housing mortgage loan has become a new increasing point, which helps to promote consumptions, boost economy, regulate Banks' loan structure and bring interest to Banks.
谈到银行体系有发放更多个人住房抵押贷款的机会时，他暗示了中国为加强经济增长而实行的另一项政策。
Mr. Zhou hinted at another Chinese policy effort to strengthen economic growth when he talked about there being room for banks to lend more money for mortgages.
个人住房抵押贷款业务对于改善银行的资产结构、化解金融风险、形成新的利润增长点具有十分重要的意义。
Obviously, private mortgage loan plays a significant role in improving commercial Banks' capital structure, lowering financial risks and locating new profit mounting up points.
个人住房抵押贷款所隐含的风险也是巨大的，一旦爆发，又会因为金融活动的全球化而蔓延到其他国家和地区。
Since the U. S. subprime mortgage crisis broke, personal housing mortgage loans risks are concerned by commercial bank. U.
抵押资产价值的波动率、利率、分红率的增加能分别降低贷款的供给。最后以个人住房抵押贷款为例对上述结论进行了解释。
Increases in the volatility of the value of the collateral, interest rate, and dividend rate of the collateral independently depress the loan supply.
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.
住房抵押贷款保险，对于化解银行信贷风险、刺激个人住房消费发挥着重要作用。
The insurance of the housing mortgage credit plays an important role on dissolving Bank credit risk and stimulating personal house consumption.
为此，试图建立一个考虑居民收入增长的个人住房抵押组合贷款理论模型，通过该理论模型可以确定合理的贷款期限以及各年的还本付息额。
To study the combined housing mortgage loan, we established a theory model for it. Through this model, we can work out the term of loan, the repayment of capital and interest every year.
为此，试图建立一个考虑居民收入增长的个人住房抵押组合贷款理论模型，通过该理论模型可以确定合理的贷款期限以及各年的还本付息额。
To study the combined housing mortgage loan, we established a theory model for it. Through this model, we can work out the term of loan, the repayment of capital and interest every year.
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