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一、银行对贷款申请人要严格审查。具体包括以下方面:(1)借款人的资产情况。(2)借款人的债务情况。(3)借款人的工作、职称、技能情况,以评价其发展潜力及还款能力。二、建立和完善个人住房抵押贷款市场。银行与房地产交易
First, banks should strictly examine the loan applicants. Specifically include the following: (1) the borrower’s assets. (2) Borrower’s debt situation. (3) The borrower’s job, professional title and skills, to evaluate its development potential and repayment ability. Second, establish and improve the personal housing mortgage loan market. Bank and real estate transactions