发展个人住房贷款既是增加社会有效需求、扩大内需、把住宅业培育成新的经济增长点的重要途径，也是商业银行优化信贷资产结构，提高信贷资产质量的客观需要。在“住房热”中，各大商业银行的个人住房贷款业务宣传搞得红红火火，惹得想买房可囊中羞涩的市民们纷纷前来询问... The development of individual housing loans is not only an important way to increase effective social demand, expand domestic demand and cultivate housing industry into a new economic growth point, but also an objective need of commercial banks to optimize the structure of credit assets and improve the quality of credit assets. In the “housing fever”, the major commercial banks personal home loan business promotion made booming, prompting want to buy a house can be shy in the public who have come to ask ...