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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.
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