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个人住房贷款主要以房产抵押加保险为条件防范和化解贷款风险,决定了其贷款运作环节多、手续繁、时间长。从借款申请到贷款发放的运作链,中间经住房权属确认、抵押、公证、保险,要求一环紧扣一环。据实务分析,个人住房贷款运作的诸环节在衔接上存在时间矛盾,如购房者因资金不足
Individual housing loans to real estate mortgage and insurance conditions as the premise to prevent and resolve the loan risk, decided to operate the loan links, complicated procedures, a long time. From the loan application to the loan issued by the operating chain, the middle of the confirmation of the ownership of housing, mortgages, notary, insurance, requiring a ring closely. According to the practical analysis, the links in the operation of individual housing loans exist in time conflicts, such as home buyers due to lack of funds