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.
当然，监管部门发出的“指南”是不是为了抑制个人住房消费，但主要目的是为了控制风险，银行贷款。
Of course, the regulators issued the "Guidelines" is not in order to suppress individual housing consumption, but mainly in order to control the risk of bank loans.
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.
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.
当住房消费成为新的消费热点后，房地产金融业务的重心也逐渐从房地产开发贷款向个人住房贷款业务转移。
When house consuming becomes hotspot, the real estate finance also transfers its center from development loan to individual housing loan gradually.
个人住房消费信贷是银行等金融机构为满足居民购买住房的需求而提供的信用贷款服务。
Individual consumption loan is a credit loan service provided by Banks and other financial institutions in order to meet the needs of housing of the citizens.
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.
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.
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