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随着2015年和2016年楼市大面积回暖,部分城市楼市堪称火爆,商品房成交量的大幅攀升,带动价格不断快速上涨,上海、深圳等个别城市房价甚至出现了倍数上涨,对购房者形成了极大的支付压力。房价暴涨的背后,是个人购房贷款杠杆率的不断提升,上海易居房地产研究院的数据显示:2016年房地产新增个人贷款余额预计可达5.24万亿元,约是2015年的2倍,2012年的5.5倍。房地产新增个人贷款余额可谓
With the property market picking up in 2015 and 2016, the property market in some cities is booming. The real estate transaction volume has risen sharply and the prices have been rapidly rising. The housing prices in some cities such as Shanghai and Shenzhen have even risen in multiples, Great payment pressure. Behind the skyrocketing housing prices is the continuous improvement of personal home ownership loan lending rates. According to the data from Shanghai E-House Real Estate Research Institute, the new personal loans for real estate in 2016 are expected to reach 5.24 trillion yuan, about doubling in 2015 and 2012 5.5 times the year. Real estate new personal loans balance can be described as