A Study Of Problems And Countermeasure Of Housing Mortgages Loan In China

The Ministry of Land and Resources of the People’s Republic of China said the reportpublished in the2009national residential average price is4474Yuan/square meters, houseprices increased by25.1%is the highest in10years. Countries in order to stabilize the realestate market and to curb property too fast growth have issued a series of policy, and willmove all the real estate back to the two-decade-long. Banks play a key role in the police ofcontrol the real estate, such as in country eight and country ten are limit the bank housingproportion of the initial payment and the interest rate of loan, and housing mortgages loanlimit preferential interest rate, so this unprecedented real estate policies will effect the bankhousing mortgages loan. In this paper, research the housing mortgages under the backgroundof the real estate market regulation, from the point of view of the bank, through the three partsto analyzing the housing mortgages loan under the background of real estate marketregulation: the first part is the basic theory of China’s housing mortgages loan and itsdevelopment course, and through the analysis of China’s real estate market and housingmortgages loan interaction to draw out the second part of China’s real estate market regulation;The second part, from the background of our current regulation the real estate industry,through the analysis of the present situation of bank housing mortgages loan proposed bankhousing mortgages loan problems and there may be the cause of these problems. The thirdpart is from the advice and self understanding view of point bank what measures should betaken to face these problems appear and perfect our housing mortgages loan, make it moreadapted to the regulation of the real estate background, be helpful for the development ofChina’s housing mortgage loans.