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住房(担保)贷款,是指以购房为贷款用途,借款人或第三人用所购住房和其它具有所有权的财产作为抵押物或质物,或由第三人为其贷款提供保证并承担连带责任的贷款。借款人到期不能偿还贷款本息的,贷款银行有权依法处理其抵押物或质物,或要求保证人承担连带偿还责任。住房贷款业务的开展,对社会经济生活产生了重大影响,对住宅市场的发展以及人们住房水平的提高都起到了积极的作用。然而不容忽视的是,目前我国个人住房抵押贷款业务还存在着许多问题,考虑到住宅市场潜在需求旺盛而有效需求不足的矛盾,应加快完善我国住房贷款业务。一、我国住房贷款现状我国住房金融是伴随着住房制度的改革发
Housing (secured) loans refer to the purchase of a house for loan purposes, borrowers or third parties with the purchase of housing and other proprietary property as collateral or material, or by a third party for its loans and assume joint and several liability Loans. If the borrower fails to repay the principal and interest of the loan due, the lender has the right to dispose of the mortgaged property or the quality of the loan according to law, or require the guarantor to bear the joint repayment liability. The development of housing loan business has had a significant impact on the social and economic life and has played a positive role in the development of the residential market and the improvement of people’s housing standards. However, we should not overlook the fact that there are still many problems in China’s personal home mortgage loan business. Taking into account the contradiction between the potential demand in the housing market and the insufficient effective demand, we should speed up the improvement of China’s housing loan business. First, the status quo of China’s housing loans China’s housing finance is accompanied by the reform of the housing system