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个人住房贷款业务作为一项新兴业务,随商业银行业务创新而异军突起,发展迅速。在官渡区,自1998年5月工商银行昆明市关上支行率先开办“个人住房抵押贷款”业务以来,截止1999年10月末,仅17个月的时间辖区工行、建行2家国有独资商业银行累计发放该项贷款2045笔,计42244万元,累计收息1921万元,贷款本息归行率保持在100%,支持了2045住户购置了住房,购房面积达22万平方米。住房信贷良好的资产状况和发展前景,成为辖区部分银行“创名牌、塑形象、增效益”的主要手段之一,同时对扩大内需、刺激消费起到积极作用,产生了较好的社会效益和经济效益。该项业务在我区发展较为迅速,有什么经验?还存在
As a new business, personal home loan business has emerged rapidly and rapidly with the commercial bank business innovation. In Guandu District, as of the end of October 1999, as of the end of October 1999, ICBC, the first wholly-owned commercial bank of China Construction Bank, and CCB were only 17 months away from the opening of “Personal Housing Mortgage Loan” business in Kunming Branch of ICBC in May 1998, A total of 2045 loans were issued in total, amounting to 424.44 million yuan, accumulating a total income of 19.21 million yuan. The loan principal and interest rate remained at 100%, supporting 2045 households to purchase their houses and buying up an area of 220,000 square meters. The good asset status and development prospects of housing finance have become one of the major means for some banks in the area to “create brand names, shape images and increase profits”, and at the same time they have played a positive role in boosting domestic demand and stimulating consumption, resulting in a better society Benefits and economic benefits. The business development in our area is relatively rapid, what experience? Still exists