住房开发贷款是指贷款人向借款人发放的用于商品住房及其配套设施开发建设的贷款。
各政策性银行未经批准，不得从事经济适用住房开发贷款业务。
Without approval, no policy Banks may operate affordable housing development loan business.
面向住房购买者和开发商的贷款只占到中国银行总贷款额的17%，相反美国的比例是56%。
Loans to homebuyers and property developers account for only 17% of Chinese Banks' total, against 56% for American 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.
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