个人住房贷款

1、lty through the granting of a mortgage which secures the loan However the word mortgage alone in everyday usage is most often used to mean mortgage loan The word mortgage is a Law French term meaning “death contract“ meaning that the pledge ends dies when either the obligation is fulfilled or the property is taken through foreclosure1 A home buyer or builder can obtain financing a loan either to purchase or secure against the property from a financial institution such as a bank either directly。

2、或授权代理人 )： _ 电话： _ 邮政编码： _ 为确保乙方与 _签订的 _号借款合同 (以下简称借款合同 )的履行，甲方愿意向乙方提供保证担保。
甲、乙双方根据有关法律规定，经协商一致，约定如下条款： 第一条 甲方保证担保的贷款金额 (大写 )_，贷款期限自 _年 _月 _日至 _年 _月_日。
第二条 本合同的保证方式为连带责任保证，甲方对借款合同中的借款人的债务承担连带责任。
如借款人没有按借款合同约定履行或者没有全部履行其 债务，乙方有权直接要求甲方承担保证责任。
甲方应在接到乙方催收到 (逾 )期贷款通知书之日起 _个工作日内履行清偿义务。
第三条保证担保的范围：贷款金额 (大写 )_元及利息、借款人应支付的违约金 (包括罚息 )和赔偿金以及实现贷款债权的费用 (包括诉讼费、律师费等 )。
第四条 保证期间：自本合同生效之日起至借款合同履行期限届满之日后二。

3、out the Individual housing loan. Certainly, the problem formulation is the most important one I want to discuss. 1 introduction to ICBC and Issues Industrial and Commercial Bank of China Ltd. (ICBC) is the largest bank in the world by profit and market capitalization. It is one Chinas Big Four state-owned commercial banks (the other three being the Bank of China, Agricultural Bank of China, and China Construction Bank. It was founded as a limited company on January 1, 1984. As of 。

4、n about the Individual housing loan. Certainly, the problem formulation is the most important one I want to discuss. 1 introduction to ICBC and Issues Industrial and Commercial Bank of China Ltd. (ICBC) is the largest bank in the world by profit and market capitalization. It is one Chinas Big Four state-owned commercial banks (the other three being the Bank of China, Agricultural Bank of China, and China Construction Bank. It was founded as a limited company on January 1, 1984. As。

5、lty through the granting of a mortgage which secures the loan However the word mortgage alone in everyday usage is most often used to mean mortgage loan The word mortgage is a Law French term meaning “death contract“ meaning that the pledge ends dies when either the obligation is fulfilled or the property is taken through foreclosure1 A home buyer or builder can obtain financing a loan either to purchase or secure against the property from a financial institution such as a bank either directly。

6、的贷款业务逐渐向个人 完全 展开 ， 个人贷款的业务 种类 不断增多，业务范围持续扩大 ， 特别 是个人住房贷款业务的发展 更为迅猛 。
我国个人住房贷款业务在其发展的同时，存在的不良信贷风险问题以及竞争形势不容乐观 ， 在一定程度上阻碍了个 人住房贷款业务的发展，要持续快速发展 ， 必须加强对一系列问题的研究管理。
本文从分析目前我国个人住房贷款业务的 发展 现状入手，指出存在的问题 以及问题出现的原因 ， 并着重针对商业银行如何发展好个人住房贷款业务 减少不良信贷风险，借鉴国外的经验教训，并 提出思考及相应对策 进行管理 ， 以 加快 这一业务的 正确 快速发展。
关键词： 个人住房贷款 ； 不良信贷风险 ； 现状 ； 问题 ； 对策 精品文档，下载后可随意编辑！ ABSTRACT With the deepening of Chinas economic system reform development and continuous improvement of the system of the market economy, banks lendin。

7、购房居民都非常关心的问题。
而如果提前还贷，则又该采取什么方式。
因此有必要对购房贷款的贷款方式进行深层次的探究。
针对当前社会上流行的按揭贷款买房现象，对个人住房贷款的还款方式进行了探讨。
关键词个人住房商业性贷款；等额本金还款法；等额本息还款法；个人住房组合贷款；模型；THEMODELSOFTHEPERSONALHOUSINGLOANSCHEMEABSTRACTINRECENTYEARS,THEWAYOFPERSONALHOUSINGLOANCAUSETHEFOCUSOFTHESOCIETYMANYPEOPLEHAVETOGOTHROUGHTHEWAYOFLOANTOPURCHASEHOUSESOALLCOMMERCIALBANKSPROVIDES,PERSONALHOUSINGCOMMERCIALLOANS,THELOANOFTHEHOUSINGACCUMULATIONFUNDANDTHEINDIVIDUALHOUSINGLOANPORTFOLIO,THREEKINDSOFMORTGAGEWAYTOPURCHASERESIDENTMEANWHILE,THEBANKSHAVEMAINLYP。

8、ENTOFTHESYSTEMOFTHEMARKETECONOMY,BANKSLENDINGBUSINESSBECOMESCOMPLETELYOPENTOINDIVIDUALS,PERSONALLOANSOFBUSINESSGROWING,CONTINUESTOEXPANDTHESCOPEOFBUSINESS,ESPECIALLYTHEDEVELOPMENTOFINDIVIDUALHOUSINGLOANMOREQUICKLYPERSONALHOUSINGLOANBUSINESSINCHINAATTHETIMEOFITSDEVELOPMENT,THEREAREBADCREDITRISKSASWELLASTHECOMPETITIVESITUATIONISNOTOPTIMISTIC,TOACERTAINEXTENT,HAMPERTHEDEVELOPMENTOFINDIVIDUALHOUSINGLOANS,TOSUSTAINABLEDEVELOPMENT,RESEARCHMANAGEMENTMUSTBESTRENGTHENEDONANUMBEROFISSUESTHISARTICLEFR。