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银行应充分重视住房按揭贷款业务的潜在风险,通过尽快配合借款人完成预告登记向本登记转化、强化阶段性担保措施等方式,切实防控信贷风险当前,预购商品房按揭贷款成为住房按揭业务的主要形式,购房者通过将其在房地产开发商处预购的商品房抵押给银行获得贷款,并以此支付房款。由于商品房按揭期限较长,各种人为或意外事件均可能导致按揭房产受
Banks should pay full attention to the potential risks of the mortgage loan business and effectively prevent and control credit risks by cooperating with the borrowers as early as possible to complete the pre-registration and register with this registration and strengthen the stage-by-stage guarantee measures. At present, the pre-purchase of real estate mortgage loans becomes the major part of the mortgage business Form, buyers buy mortgages by mortgaging their pre-ordered commercial houses at real estate developers for bank loans. Due to the longer period of real estate mortgage, all kinds of man-made or unexpected events may lead to mortgage real estate by