经济适用住房银行按揭的目的是为了切实解决军队人员购买经济适用住房资金不足的矛盾。军队人员申请办理个人住房贷款属个人行为,借贷双方应遵守国家有关法律、政策规定,在平等、自愿的基础上签订借款合同,按时还本付息,严格履行合同约定的条款及民事法律责任。机关职能部门应积极与当地银行搞好协调,协助银行和军队人员办理贷款手续,督促借贷双方认真落实合同条款。军队人员购买经济适用住房在办理银行按揭时须掌握和注意以下事项。政策依据。中央军委《进一步深化军队住房制度改革方案》和军队房改有关配套文件、中国人民银行《贷款通则》、《银行个人住房贷款管理办法》等是办理住房贷款的主要政策依据。办理对象。办理对象包括符合条 The purpose of affordable housing bank mortgage is to earnestly solve the contradiction between the insufficient funds for military personnel to buy affordable housing. The application of personal housing loans by military personnel is an individual act. Both lenders and borrowers should abide by the relevant laws and policies of the state, sign loan contracts on an equal and voluntary basis, pay debts on time, pay strict compliance with the terms of the contracts and civil legal liabilities. The functional departments of the government should actively coordinate with local banks to assist banks and military personnel in handling loan procedures and urge both lenders and borrowers to earnestly implement the contract provisions. Army personnel to buy affordable housing in the handling of bank mortgages have to grasp and pay attention to the following matters. Policy basis. The Central Military Commission “to further deepen the military housing reform program” and the military housing reform related supporting documents, “People’s Bank of China General Rules of Loans”, “Bank Individual Housing Loans Management Measures” is the main policy for housing loans. Deal with the object. Handled objects include compliance