近期,房贷市场上的热点产品莫过于将存款与贷款相抵的还贷模式。目前已有中行、深发展和招行3家银行的产品问世。所谓存款与贷款相抵的还款模式,就是将银行贷款客户的活期存款与个人房屋贷款结合起来管理的一种理财服务。其业务的核心是把房贷借款人的活期存款账户和他的房屋贷款关联起来。借款人只需要将自己的闲置资金放在约定的活期账户上,超过一定数额后,银行便会按照一定比例将其视作提前还贷,节 Recently, the hot products on the mortgage market than the deposit and loan offset the loan model. Currently there are Bank of China, Shenzhen Development Bank and China Merchants Bank 3 products come out. The so-called deposits and loans offset against the mode of repayment, is the bank loan customers demand deposits and personal housing loans, a combination of management of a financial management services. The heart of its business is to link the mortgage lender’s demand deposit account with his home loan. The borrower only needs to put his own idle funds on the agreed current account. After a certain amount is exceeded, the bank will treat it as repaying the loan in advance according to a certain percentage.