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住宅抵押贷款是一种集住宅贷款和抵押贷款为一体的住房服务业务,是指购建房者以所购买或建造的住房作为抵押保证,而由金融机构向其提供贷款的业务.这项业务有利于强化银行信贷资产功能,对银行的发展具有深远的影响,也有助于住房制度的改革,以适应城镇人口逐年上升对城市商品房需求的增长.因此应在不断改进现有住宅抵押贷款的同时,积极发展我国的住宅抵押贷款业务.一、开办住宅抵押贷款的资金来源 1、引导居民参加普通住房储蓄.住房储蓄是城乡居民以购建住房为目的的一种储蓄.储蓄存款一直是银行的主要资金来源,1994年,全国发行国库券1100亿元,上半年城乡储蓄存款还增加3146亿,说明储蓄仍是居民金融资产的重要选择.在一次城乡居民储蓄意向调查中,对于5000元以上大额存款户的调查显示:14%的人存款是为了买房或建房,超过了为孩子攒教育费的存款1.4个百分点,居于居民存款目的的首
Residential mortgage loan is a kind of housing service business that integrates residential loan and mortgage loan and refers to the business of purchasing and building houses as mortgaged guaranties and loans provided by financial institutions to the builders. Which will help to strengthen the function of bank credit assets and have a far-reaching impact on the development of banks. It will also help to reform the housing system so as to meet the increasing demand for urban commercial housing due to the increasing population of urban residents. Therefore, while continuously improving the existing residential mortgage loans, , And actively develop China’s residential mortgage loan business.First, the source of funds to start residential mortgage loans 1, to guide residents to participate in ordinary housing savings Housing savings is a kind of savings for the purpose of building housing for urban and rural residents.Save deposits have been the bank’s Main sources of funds, in 1994, the national issuance of treasury bonds 110 billion yuan, the first half of urban and rural savings deposits also increased 314.6 billion, indicating that savings is still an important choice for residents of financial assets.In a survey of urban and rural residents intention to save, for more than 5,000 yuan large A survey of depositors shows that 14% of the people deposit to buy a house or build a house, which exceeds the educational cost for children 1.4 percentage points of deposits, living in the first deposit purpose