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The Credit Risk of Personal Housing Mortgage Loans and Its Causes

Ying Yang

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Abstract

With the expansion of the real estate market and the rapid development of personal housing mortgage loan business in China,people pay more and more attention on the credit risk.We should study the reason of the risk firstly.Then we could implement preventive measures and management strategies effectively.The risks of personal housing mortgage loan are caused by the shortage of the developer credit,the borrower credit and the commercial bank themselves.

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What this paper is about

With the expansion of the real estate market and the rapid development of personal housing mortgage loan business in China,people pay more and more attention on the credit risk.We should study the reason of the risk firstly.Then we could implement preventive measures and management strategies effectively.The risks of personal housing mortgage loan are caused by the shortage of the developer credit,the borrower credit and the commercial bank themselves.

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Available abstract

With the expansion of the real estate market and the rapid development of personal housing mortgage loan business in China,people pay more and more attention on the credit risk.We should study the reason of the risk firstly.Then we could implement preventive measures and management strategies effectively.The risks of personal housing mortgage loan are caused by the shortage of the developer credit,the borrower credit and the commercial bank themselves.

Key concepts: Mortgage underwriting, Business, Mortgage insurance, Shared appreciation mortgage, Mortgage loan, Economic shortage, Loan, Real estate

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