近几年,伴随住宅市场的发展,银行降息、政府让利,我国的个人住宅抵押信贷有了长足的发展。到2002年底,个人住宅抵押信贷余额已经突破8000亿元,分别占GDP和银行信贷比重的8%和7%左右,对国民经济有巨大影响。而个人住宅信贷收益稳定和违约率低(目前仅为1%)的特点,使之成为各商业 In recent years, along with the development of the residential market, banks have cut interest rates and let the government make profits. The credit for personal residential mortgage loans in our country has made great strides. By the end of 2002, the balance of personal residential mortgage loans had exceeded 800 billion yuan, accounting for 8% and 7% of GDP and bank credit respectively, which had a huge impact on the national economy. The stability of individual residential credit receipts and low default rate (currently only 1%), making it a commercial