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一、个人住房贷款担保模式选择 针对不同的消费群体,采取不同的担保方式,选择符合中国特色的住房贷款担保模式,大力开拓房地产金融市场,改善居民居住条件已十分迫切,政府、银行等有关方面联手解决问题的时机已经成熟,其主要模式有: 1、住房置业公司担保。住房置业公司担保是指借款人向银行申请贷款时,找置业担保公司为自己提供连带保证责任的贷款,如借款人在还款期限内不能如约偿还贷款时,由置业担保公司承担连带偿还贷款本息的责任。房屋的经济属性决定了房屋消费是
First, the choice of individual housing loan guarantee mode for different consumer groups, to take a different mode of guarantee, choose to meet the characteristics of China’s housing loan guarantee mode, vigorously develop real estate financial markets, improve living conditions of residents has been very urgent, the government, banks and other relevant aspects Joint timing to solve the problem has matured, its main models are: 1, home buyers guarantee. Homeownership company guarantee refers to the borrower to apply for a loan to the bank, find home security company to provide joint and several liability for the loan, if the borrower can not repay the loan, such as about the repayment period, by the home mortgage company borne joint and several repayment of loan principal and interest Responsibility. Housing’s economic attributes determine the consumption of housing is