国外个人住房制度的基本要素包括:贷款期限及贷款利率,贷款额度与个人收入、抵押物价值的比例,政府在个人住房贷款市场中的作用,贷款违约情况下的处置措施,按揭贷款的流动性问题等。 (一)贷款期限与利率 国外个人住房贷款期限比较长,如美国、新加坡、丹麦最长可达30年;我国香港特区最长也达30年,1994年抵押贷 The basic elements of the foreign personal housing system include: the duration of loans and lending rates, loan lines and personal income, the proportion of the value of mortgages, the role of the government in the personal housing loan market, the disposal of loans under default, the liquidity of mortgage loans Problems and so on. (A) the duration of the loan and interest rates Foreign individual housing loan period is relatively long, such as the United States, Singapore, Denmark up to 30 years; China’s Hong Kong SAR up to 30 years, 1994 mortgage