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从国民收人分配结构与住房制度改革的发展趋势来看,个人住房贷款将成为银行极具市场发展潜力的业务品种,也是今后房地产金融业务发展的中心内容之一.在美国、香港等市场经济发达的国家和地区,个人住房抵押贷款一般占银行贷款总额的20%～40%.而在我国,即使是开办个人住房抵押贷款规模最大、市场业务份额最高的中国建设银行,这项业务余额也只占房地产贷款余额的5%左右,占全行贷款金额的0.8%左右,发展空间相当广阔.
From the perspective of the development trend of the national income distribution structure and housing system reform, individual housing loans will become the bank’s business varieties with great potential for market development and one of the central contents of the real estate financial business in the future. In the United States, Hong Kong and other market economies Developed countries and regions, personal housing mortgage loans generally account for 20% to 40% of the total bank loans, while in China, even the opening of the largest personal mortgage loans, the highest market share of China Construction Bank, the business balance Accounting for only about 5% of the real estate loan balance, accounting for about 0.8% of the total loan amount of the whole bank, with a vast space for development.