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Issues On Housing Mortgage Loan Market

YE Yong-gong

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Abstract

Perfect housing mortgage loan market is conducive raising the residential household welfare and making the effectiveness of housing consumption maximum. China's housing mortgage loan market is in the primary developing stage. There are a series of defects such as small scale, single structure, incomplete function, etc. It is necessary to simplify the loan procedure, prefect intermediary service, develop secondary market so as to promote the development of housing mortgage loan market.

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What this paper is about

Perfect housing mortgage loan market is conducive raising the residential household welfare and making the effectiveness of housing consumption maximum. China's housing mortgage loan market is in the primary developing stage. There are a series of defects such as small scale, single structure, incomplete function, etc. It is necessary to simplify the loan procedure, prefect intermediary service, develop secondary market so as to promote the development of housing mortgage loan market.

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Available abstract

Perfect housing mortgage loan market is conducive raising the residential household welfare and making the effectiveness of housing consumption maximum. China's housing mortgage loan market is in the primary developing stage. There are a series of defects such as small scale, single structure, incomplete function, etc. It is necessary to simplify the loan procedure, prefect intermediary service, develop secondary market so as to promote the development of housing mortgage loan market.

Key concepts: Mortgage insurance, Shared appreciation mortgage, Mortgage underwriting, Loan, Secondary mortgage market, Mortgage loan, Amortizing loan, Business

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