伴随着中国住房制度改革的逐步深化 ,个人住房贷款业务应运而生 ,帮千百万家庭实现了安居梦想。但任何一项新生事务客观上都存在一个不断完善的过程。经办具体业务的银行 ,从实际操作的角度 ,分析个人住房贷款还款代扣过程中存在的问题及其产生原因 ,并提出解决问题的设想和建议。 With the gradual deepening of the reform of China’s housing system, the personal housing loan business came into being to help millions of families realize their dreams of living. However, objectively, any new-born business has an ongoing process of improvement. The bank dealing with specific business, from the perspective of practical operation, analyzes the problems existing in the process of personal home loan repayment deduction and their causes, and puts forward the ideas and suggestions for solving the problems.