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1997年4月28日,中国人民银行行长签发中国人民银行令,颁布了《个人住房担保贷款管理试行办法》(以下简称《办法》)。这对进一步规范和扩大个人住房担保贷款,提高城镇居民购房能力,推进城镇住房制度改革,支持和培育新的经济增长点,无疑将起到积极作用。住房按揭贷款,几年风雨多坎坷近几年来,为适应住房制度改革和城镇居民购房的需要,有些商业银行陆续开办了个人住房按揭贷款业务。在80年代末,中国建设银行就开始采用了银行按揭、分期付款的办法,到目前为止,住房贷款累计余额150亿元人民币,支持100多万户居民购房。中国工商银行早在成立之初,就开始试办个人住房
On April 28, 1997, the President of the People’s Bank of China issued the Order of the People’s Bank of China, promulgating the “Trial Measures for the Administration of Personal Housing Secured Loans” (the “Measures”). This will undoubtedly play an active role in further standardizing and expanding individual housing secured loans, improving the purchasing power of urban residents, promoting the reform of urban housing systems, and supporting and nurturing new economic growth points. In recent years, in order to meet the housing system reform and the needs of urban residents to buy a house, some commercial banks have successively started the individual housing mortgage loan business. In the late 1980s, China Construction Bank started adopting the method of bank mortgages and installments. So far, the accumulated balance of housing loans has reached 15 billion yuan, supporting the purchase of more than 1 million residents. As early as its inception, Industrial and Commercial Bank of China began piloting individual housing