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住房消费信贷存在的问题 目前,我国住房消费信贷业务已经在住房领域普遍开展,各大商业银行也纷纷出台拓展住房金融业务的一系列政策和措施,促进住房消费信贷的成倍增长。但是,整体来看 我国住房消费信贷的规模还非常小,发展还不充分,一直处于比较疲软的状态。 1.我国居民的住房消费能力与消费观念的制约。一是住房消费货款额度低、期限短、利率高、付现额大。目前各专业银行发放个人抵押赁款的额度约占贷款总额的1％左右,远远低于国际上20％-40％的水平。住房抵押贷款的期限短则3-5年,最长也只是20-30年,而且付现
Housing consumer credit problems Currently, China’s housing consumer credit business has been widely carried out in the housing area, the major commercial banks have also introduced a series of policies and measures to expand the housing finance business to promote double the growth of housing consumer credit. However, as a whole, the scale of housing consumer credit in our country is still very small and has not yet been fully developed and has been in a relatively weak state. 1. Residents of China’s housing spending power and consumer attitudes constraints. First, the amount of low-cost housing spending, short duration, high interest rates, large cash payments. At present, the loans granted by individual specialized banks to individual mortgages account for about 1% of the total loans, far below the international level of 20% -40%. Short-term housing mortgage loans 3-5 years, the longest only 20-30 years, and pay the cash