2003•Journal of Chongqing Technology and Business UniversityRequires access

American experience in risk-transferring of housing mortgage loan and enlightenment

Shihua Li

Abstract

The rapid development of American residential finance industry is mainly owing to the establishment of risk-transferring housing mortgage loan. The mixed insurance-backed model in the first-grade market and the securitisation of housing mortgage loan in the second-grade market have successfully transferred the risks of housing mortgage loan. Therefore, it is very significant for promoting housing consumption by drawing lessons from American to further improve the housing finance market in China.

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