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目前,我国普通商品住宅的价格水平总体偏高,在百姓一次性付清购房款可能性不大的情况下,银行在发展个人住房贷款业务上仍然大有作为。个人住房贷款是银行的“黄金业务”。中国建设银行10年探索得出了这样一组数字:个人住房贷款逾期率不到2%,利息实收率近100%,期限在3-10年的贷款回收率保持在50%左右,是建行最优良的
At present, the price level of ordinary commercial housing in our country is generally high. With the possibility that people pay for the purchase of one-time payment is not likely, the bank still has a lot to do in developing personal housing loan business. Personal housing loans is the bank’s “golden business.” China Construction Bank 10 years to explore such a set of figures came out: individual housing loans overdue rate of less than 2%, the actual interest rate of nearly 100%, the period of 3 - 10 loan recovery rate remained at about 50% The best