一、住房按揭贷款面临风险分析与住房按揭保险(一)住房按揭贷款面临风险分析房地产风险主要包括财产风险、责任风险、信用风险和人身风险①。由于贷款机构(主要是商业银行)发放住房按揭贷款首先面临的就是借款人人身安全风险,以及借款人具有正常健康与行为能力情况下违约的信用风险,最后便是发生违约时即使取得抵押财产也可能面临财产价值损失的风险,因此银行与借款人对这三类风险格外关注。 First, the risk of housing mortgage loans are facing the risk analysis and mortgage insurance (A) housing mortgage loans are facing risk analysis Real estate risk mainly includes property risk, liability risk, credit risk and personal risk ①. Since the loan institutions (mainly commercial banks) to issue housing mortgage loans are the first to face the borrower’s personal safety risk and the borrower’s normal health and capacity of default in the case of credit risk, the last is the default even if the mortgage property obtained May face the risk of loss of property value, so banks and borrowers are particularly concerned about these three types of risks.