个人住房按揭贷款，是指银行向借款人发放的用于购买自用新建住房的贷款，即通常所说的“个人住房按揭贷款”。银行发放的个人住房按揭贷款数额，不高于房地产评估机构评估的拟购买住房的价值或实际购房费用总额的80%（以二者低者为准）。
...文 关键字：商业银行，个人住房按揭贷款，风险，防范 [gap=624]Key words ：Commercial Banks; Personal housing mortgage loans; assets securitization; prevent ...
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而且个人住房按揭贷款本身也需要不断完善。
And personal house mortgage loan is it perfect constantly to need too.
个人住房按揭贷款风险的预防研究和案例分析。
Prevention research and case analysis of the mortgage loan risk of personal house.
据悉，光大银行此次在国内同业首家推出的个人住房按揭贷款的衍生产品，有效拓宽了个贷业务服务范围。
Reportedly, China Everbright Bank launched the first in the domestic industry with the personal housing mortgage derivative products effectively broadened the scope of services of credit operations.
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