2008•Journal of Yangtze UniversityRequires access

Enlightenment of US Subprime Mortgage Crisis on Individual Real Estate Credit in China

Lijuan Zhou

Abstract

There are some uncertatin factors in the personal loan market in China.Therefore,we should regulate the individual housing loan business,prohibit the zero down payment of the personal housing loans,prevent the false mortgage from obtaining the bank loans,and strengthen the management of the allumulation fund credit.

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Key concepts: Mortgage underwriting, Shared appreciation mortgage, Business, Mortgage loan, Financial system, Secondary mortgage market, Mortgage insurance, China