当前,个人住房贷款已成为各大商业银行重要的信贷投放热点。尤其是在近两年来,为了提高市场占有份额,各家银行使出了浑身解数,从办理手续的繁简,时间的长短,费用的多少,尽可能为客户提供高效、优质服务,取得了较好的经济效益和社会效益。但在这种激烈的竞争中,个人住房贷款也暴露出许多在操作管理上的缺陷,埋下了较多的风险隐患,如何正确认识,处理这些隐患因素,不但会影响个人住房贷款的健 At present, individual housing loans have become important credit hot spots for major commercial banks. Especially in the past two years, in order to increase the market share, banks have tried their best to make every effort to provide efficient and quality services to customers from the complexity of procedures, the length of time and the amount of fees. Good economic and social benefits. However, in this fierce competition, individual housing loans also exposed many defects in operation and management and laid more risks. How to correctly understand and deal with these hidden factors will not only affect the health of individual housing loans