| 基于借款人保护视角的住房按揭贷款业务分析 |
| |
| 引用本文： | 蔡云,于晓媛.基于借款人保护视角的住房按揭贷款业务分析[J].金融论坛,2010,15(3). |
| |
| 作者姓名： | 蔡云 于晓媛 |
| |
| 作者单位： | 贵州大学经济学院,贵阳,550025;中共山西省委党校理论研究室,太原,030006 |
| |
| 基金项目： | 贵州大学人文社科青年基金项目《贵州省个人住房按揭贷款中的风险分析及预防措施》(GZDXQNJJ200878)的阶段性成果 |
| |
| 摘 要： | 文章在揭示住房按揭贷款的内涵与本质的基础上,总结出现阶段我国住房按揭贷款业务中借款人面临的主要问题有:开发商虚假承诺为业主办理按揭贷款、商业银行实施强制保险问题、商业贷款与公积金贷款问题、等额本金还款法与等额本息还款法的利息负担等。针对这些问题产生的原因以及影响,文章从保护借款人的角度分别提出相应的对策建议,包括:保费应与贷款余额同步减少,购房者应事前了解商业银行拒贷原因,购房者应结合自身的投资能力选择还款方式,人民银行应进一步明确对提前还贷违约金的规定等。
|
| 关 键 词： | 住房按揭贷款 借款人 商业银行 房地产开发商 商业贷款 公积金贷款 |
Analysis on Residential Mortgage Loan Business from the Perspective of Borrower Protection |
| |
| CAI Yun YU Xiao-yuan.Analysis on Residential Mortgage Loan Business from the Perspective of Borrower Protection[J].Finance Forum,2010,15(3). |
| |
| Authors: | CAI Yun YU Xiao-yuan |
| |
| Institution: | CAI Yun YU Xiao-yuan |
| |
| Abstract: | On the basis of revealing the connotation and nature of residential mortgage loan,the paper summarizes the main problems faced by borrowers in Chinese residential mortgage loan business,such as false commitments of real estate developers to apply for mortgage loan for property owners,compulsory insurance required by commercial banks,the choice between commercial loan and provident fund loan,the interest burden difference between the equivalent repayment of principal and interest and the equivalent repayment... |
| |
| Keywords: | residential mortgage loan borrower commercial bank real estate developer commercial housing loan housing provident fund loan |
| 本文献已被 CNKI 万方数据 等数据库收录！ |
|
