【摘要】 本文分析了住房消费抵押贷款的状况及存在问题,提出了我国固定利率住房抵押贷款新方式:分级付款的抵押贷款,部分分期付款抵押贷款,两周付款的抵押贷款。同时对这些抵押贷款适用范围、风险作了对比分析,抵押贷款方式的创新适合中国国情。更多还原

【Abstract】 This paper analyzes the status quo and problems of housing mortgage loan, and puts forward the new modes of housing loan with fixed interest rate of our country, such as mortgage loan of grade payment, mortgage loan of part payment in installments, and mortgage loan of two-week payment. The application range and risk of those mortgage loans are analyzed through contrast. It is believed that the innovation of mortgage loan suits Chinese conditions.更多还原