房贷历来是银行的优质业务,不过随着2006年一系列宏观调控政策的展开,购房需求受到了一定的抑制,加上外资银行全面进入,同业竞争加剧,中资银行的房贷业务遭遇到了空前的压力。面对压力,许多银行积极寻求在产品领域的创新,以争夺更多的房贷客户,产品多了是好事,但容易眼花缭乱,现对这些新型房贷产品进行归纳,分为再融资、减轻负担、提前还款、扩大贷款主体四种类型,希望能为房贷消费者提供帮助。 However, with the commencement of a series of macro-control policies in 2006, the demand for buyers has been somewhat restrained. With the full entry of foreign-funded banks and the intensification of horizontal competition, the mortgage business of Chinese-funded banks has encountered an unprecedented pressure. In the face of pressure, many banks actively seek innovations in the product field to compete for more mortgage customers. Products are a good thing, but they are easily confused. Now these new mortgage products are summarized as refinancing, reducing the burden, Repayment, to expand the four main types of loans, hoping to provide help for the mortgage consumer.