【摘要】 本文通过对比住房抵押贷款和汽车消费贷款的违约特性,得出在利率由央行统一规定的条件下,对住房抵押贷款和汽车消费贷款,实行同样的首付款政策是不合理的,这导致目前汽车消费贷款的违约率居高不下。对于住房抵押贷款,银行可以适当降低首付款,来提高本银行住房抵押贷款在市场的竞争力,对于汽车消费贷款,可以通过采取提高汽车贷款首付款的措施,来降低违约率,控制抵押贷款风险。更多还原

【Abstract】 Comparing with auto loan and housing mortgage loan, this paper shows that under the constant rate, it’s unreasonable to ask the same proportion of the first payment for the two loans, which leads to high default rate of auto loan. For housing mortgage loan, the bank can lower the proportion to increase the competition of the loan in the market; For auto loan, the bank should ask more higher proportion of first payment to decrease the default rate, and control the risk of auto loan.更多还原