银行将房贷期限由原来简单的以5年为分水岭的两个档次,细分为多个档次。因此,房贷期限必须精挑细选。从今年1月1日起,个人住房贷款者发现银行的个人住房贷款期限以及相应的利率细分为更多的档次。例如,中国建设银行将个人住房贷款期限和利率细分为“1年(含)以内、1-3年(含)、3-5年 Banks will be the mortgage period from the simple to five years as a watershed two grades, broken down into multiple grades. Therefore, the mortgage period must be carefully selected. From January 1 this year, individual home loan lenders found that the bank’s personal home loan term and the corresponding interest rates are broken down into more grades. For example, China Construction Bank subdivided the term and interest rate of individual housing loans into "within one year (inclusive), one to three years (inclusive), three to five years