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随着市场化进程,近年来房贷市场呈现出了一些新的发展趋势。房贷产品多样化在市场化初期,银行在推出房贷产品中有一定的同质化现象存在,等额本息和等额本金两种还款方式占据统治地位。但是,随着2007年下半年以来东亚、汇丰、花旗、渣打等外资银行进入中国房贷市场,带来了较为先进的金融信贷理念和新产品,对内
With the marketization process, the mortgage market has shown some new trends in recent years. Diversification of mortgage products In the early stages of marketization, banks have some homogeneity in the introduction of mortgage products. Both principal and interest equal principal and repayment of principal amount are dominant. However, with the entry of foreign banks in East Asia, HSBC, Citigroup and Standard Chartered into the mortgage market in China since the second half of 2007, more advanced financial credit concepts and new products have been introduced,