个人住房贷款业务以其担保可靠、收益较高、风险易控等特点，倍受银行业的青睐。
Personal housing loan business by its earnings, reliable guarantee high risk, etc, to control the favour of banking industry.
以此为我国商业银行完善个人住房贷款风险管理体系提供一定的参考意义。
This is our country commercial bank perfecting personal housing loan risk management system to provide certain reference significance.
虽然央行允许商业银行为个人房贷提供的利率优惠从先前的10%升至15%，但贷款利率的上调还是对房地产的消费造成了影响。
Though it also allows commercial Banks to offer a 15 percent discount on individual mortgages, up from the previous 10 percent discount, the hike still hit real estate consumption.
在美国14个房贷欠款的业主中就有一人符合这个标准，而在去年，22个人中才有1人符合这个标准。
One in 14 mortgages in the U.S. now meets this standard, up from one in 22 a year ago.
第四章，就我国现在贷款银行、保险公司及借贷人(被保险人)的在个人抵押商品住房贷款保险业务中的冲突，进行了详尽的分析。
Chapter four, has carried on exhaustive analysis conflict of the insurance business about our country lending bank, insurance company and debtor (the assured) in insurance of the home mortgage now.
和个人房贷形成鲜明对比的是，针对地产商的开发贷逐步分化，各家银行对开发贷态度持越来越谨慎的态度。
And in stark contrast to personal housing loans, the development loans for real estate developers are gradually differentiating, the Banks hold more cautious attitude to the development loans.
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.
在个人住房贷款市场上，中国建设银行占有一定的优势。
Individual housing loans in the market, the China Construction Bank has certain advantages.
个人业务不是很突出的上海浦东发展银行将成为住房贷款证券化的第一个试点，有点超出了业界预期。
Personal business is not very prominent Shanghai Pudong Development Bank to become the securitization of housing loans of the first pilot, somewhat beyond the industry expected.
个人购置住房贷款是指银行向借款人发放的用于购买自用普通住房的贷款。
Personal house purchase loan means a loan lent by bank to the borrower for purchasing a self-used common housing.
个人购置住房贷款对象应是具有完全民事行为能力的自然人。
Thee prospective borrower of personal housing loan should be a natural person having a complete civil capacity.
本文对个人住房贷款中，借款人的潜在风险进行了深入分析，并联系当前实际提出相应的控制、防范风险的措施。
This paper analyses the hidden risks of the borrowers in it deeply and puts forward the corresponding control and precaution measures related the current situation.
个人商业用房贷款是指银行向借款人发放的购置自营性商业用房和自用办公用房的贷款。
Personal commercial housing loan means a loan lent by any bank to the borrower for it to purchase a self-operated commercial housing or a self-used official housing.
最后，论文就完善我国个人住房贷款信用风险评估模型的应用环境提出了相应的建议。
Finally, perfect thesis our country individual housing loans credit risks estimate that model application environment has submitted corresponding suggestion.
在我国商业银行发放的个人住房贷款余额快速增长的同时，违约率也开始攀升。
While individual housing loans balance that our country commercial bank gives out increases by rapidly, infringement rate also begins to clamber rising.
目前，我国对个人住房贷款实行浮动利率制度，即商业银行每年根据市场利率情况对房贷利率进行相应的调整。
At present, China's floating interest rates on housing loans to individuals of the system, namely, commercial Banks in accordance with market interest rates on loans annually adjusted interest rate.
信息不对称是我国银行个人住房贷款风险产生的深层次原因。
Unmatched information is the profound reason for bank credit risks in China.
本文详细分析了银行个人住房贷款风险的成因，并在此基础上提出了相应的防范与化解对策。
The paper analyses the cause of the individual housing loan risk, and offers related counter measures.
目前，我国已经进入了个人住房贷款风险暴露和显现的高危时期。
It is high time that the risk of personal housing loan was possible to appear.
由于房贷在个人信贷中所占比重过高，很多银行的个人贷款余额都呈现负增长，成为上海商业银行业的一块心病。
The share of loans in the consumer credit too high and personal loans many banks are showing negative growth as a piece of the Shanghai Commercial Banking anxiety.
从房地产开发贷款到个人住房贷款，银行都提供了强有力的信贷支持，正是有了这种政策的支持才使我国的房地产价格不断攀升。
From real estate development loan to the individual housing loans, Banks provide a stronger credit support, Because of this policy of support to make our real estate prices rising.
在决策树理论的指导下，通过信息增益的应用和公式的构造获取属性重要程度评价值，结合决策树挖掘得到个人住房贷款风险评估模型。
Based on the theories of decision tree, this paper gets the importance assessment value among attributes through applying information gain and constructing formula.
最后，通过个人住房贷款信用风险评估体系的建立验证了这些方法的实用性。
Finally, through constructing credit risk evaluating system of individual housing loan, the practicality of these methods was proved.
同时它也为房价高速增长、个人住房贷款规模日益庞大的中国敲响了警钟。
Simultaneously it alarms China whose house prices are increasing fast and whose individual housing loan scale is going to be huge.
人民币各项贷款(不合个人住房贷款)的计息和结息方式，由借贷双方协商确定。
The method for calculating and settling the interest of all items of Renminbi loans (excluding individual housing loans) shall be determined through negotiation between the borrower and the lender.
我们提供的个人住房贷款，或按揭，月息是0.42%。
We offer Personal Housing Loans, or mortgages, at a rate of 0.42% per month.
本文主要是通过对我国商业银行个人住房贷款信用风险的仔细研究，总结出防范个人住房贷款信用风险的一些议建。
This article mainly through study carefully for individual housing credit risk of our commercial bank loan, sums up some suggestion in the prevention of personal housing loan credit risks.
因此，研究个人住房贷款信用风险问题具有很强的现实意义和应用性。
Therefore, research on credit risk's management of individual loan become the realistic meaning and applicable.
最后提出了改善商业银行个人住房贷款信用风险管理外部环境的对策。
Finally, some measures are suggested to improve the exterior environment of credit risk management of commercial Banks' individual housing loan.
最后提出了改善商业银行个人住房贷款信用风险管理外部环境的对策。
Finally, some measures are suggested to improve the exterior environment of credit risk management of commercial Banks' individual housing loan.
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