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城镇居民家庭购房抵押贷款制度是当前我国住房金融发展的核心内容。建立符合我国城镇居民家庭实际情况的抵押贷款制度,是引导城镇居民家庭住房消费、实现住房信贷由开发性贷款向消费性贷款转移、促进房地产业健康发展、推进住房制度改革的中心环节。当前我国城镇居民购房抵押贷款业务发展缓慢,既有金融机构本身的原因,也有居民家庭消费贷款意识的原因,但抵押贷款政策设计的影响更为重要。对不同贷款条件下居民家庭承受能力的测算是抵押贷款
Urban home purchase mortgage loan system is the core content of China’s housing finance development. The establishment of a mortgage loan system that is in line with the actual conditions of urban households in China is the key link in guiding the housing consumption of urban residents and housing loans from the development loans to consumer loans, promoting the healthy development of the real estate industry and promoting the reform of the housing system. At present, due to the slow development of the mortgage loan business of urban residents in our country, there are not only the reasons of the financial institutions themselves, but also the reason of the household consumer loan awareness. However, the impact of the mortgage loan policy design is even more important. The calculation of the affordability of residents’ families under different loan conditions is a mortgage loan