2004Construction Management ModernizationRequires access

Risk Analyses of Housing Mortgage Loan and the Corresponding Precaution Measures

Yang He-li

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Abstract

The housing mortgage loan has already been on some scale since it appeared. But in the process of the real conduction, the risk of it is still ubiquitous, especially on security caused by policy, market, bank, mortgage and so on. Precautions against these risks must be taken in order to realize the sustainable development of the housing loan. Some risk precaution measures are put forward in this paper on the basis of the risk analyses of housing mortgage loan at present.

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What this paper is about

The housing mortgage loan has already been on some scale since it appeared. But in the process of the real conduction, the risk of it is still ubiquitous, especially on security caused by policy, market, bank, mortgage and so on. Precautions against these risks must be taken in order to realize the sustainable development of the housing loan. Some risk precaution measures are put forward in this paper on the basis of the risk analyses of housing mortgage loan at present.

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Available abstract

The housing mortgage loan has already been on some scale since it appeared. But in the process of the real conduction, the risk of it is still ubiquitous, especially on security caused by policy, market, bank, mortgage and so on. Precautions against these risks must be taken in order to realize the sustainable development of the housing loan. Some risk precaution measures are put forward in this paper on the basis of the risk analyses of housing mortgage loan at present.

Key concepts: Mortgage underwriting, Mortgage loan, Mortgage insurance, Shared appreciation mortgage, Loan, Secondary mortgage market, Business, Loan-to-value ratio

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