2003•Journal of Ningbo PolytechnicRequires access

The Discerns and Precaution of Personal Housing Mortgage Loan Risk

Chu Er-ming

Abstract

Personal housing mortgage loan is known as a kind of loan business with relatively security, but equally there is arisk, personal housing mortgage loan risk has mainly credit risk, risk of the mortgage, mobile risk, interest rate and purchasingpower risk, the risk of management and administration of bank, policy risk, etc. some measures can be taken to prevent risks ofpersonal housing mortgage loan.

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