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一、住房抵押贷款提前还款已备受关注自1992年5月上海率先推出个人住房抵押贷款以来, 个人住房抵押贷款业务深受消费者青睐,发展迅速,截止2003年11月,我国个人住房抵押贷款余额已超过2万亿元。住房抵押贷款已成为解决和改善居民住房问题的主要金融工具,同时也是银行金融机构优质业务资产重要组成部分, 是多家银行必争的优良金融业务。然而,随着业务开展,住房抵押贷款的提前还款现象也逐步出现,提前还款给住房抵押贷款发放方--银行带来的风险已备受关注,银行对提前还款征收罚款以补偿银行损失和风险的举措一度成了媒体舆论关注的焦点。
First, the prepayment of home mortgage loans has been of concern Since May 1992, Shanghai took the lead in launching a personal housing mortgage loans, personal home mortgage loans business by consumers, rapid development, as of November 2003, China’s personal housing mortgage Loan balance has more than 2 trillion yuan. Housing mortgage loan has become the main financial tool to solve and improve the housing problems of residents. It is also an important component of high quality business assets of bank financial institutions and an excellent financial business that many banks must contend with. However, with the commencement of business, the prepayment of mortgages is also gradually emerging. The repayment in advance to the mortgage lender - the risk posed by the banks has drawn much attention. Banks impose fines on early repayments to compensate banks Loss and risk measures became the focus of media attention.