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目前，各商业银行对办理消费贷款特别是个人住房消费贷款的积极性非常高，但个人住房消费贷款业务却“热”不起来。为何会出现如此“冷”的局面呢？经分析主要有以下原因：（１）相对居民收入而言，房价过高是影响住房贷款消费不畅的主要因素。以一套普通标准的８０平方米的商
At present, all commercial banks are very enthusiastic about handling consumer loans, especially individual housing loans. However, the personal consumer loans business is not “hot”. Why is there such a “cold” situation? The analysis mainly for the following reasons: (1) relative to the income of residents, the high price is the main factor affecting poor housing loans. To a common standard of 80 square meters of business