我国居民按揭购房潜在风险分析

近几年我国居民贷款购房者增多,目前以按揭方式的购房数已超过购房总数的90%。随着购房人数的增多,向银行按揭贷款比重和规模也不断增大,导致了还款风险的增大。同时,由于有些居民在按揭购房时缺乏慎重考虑,以至于遭遇严重的风险损失。文章揭示了按揭购房的诸多风险,提出了规避风险的思路与途径。

Analysis of Potential House Mortgage Risks for Chinese Residents

In recent years,China has seen the rapid development of house mortgage purchasers,who take more than 90% of the total house buyers.With the increasing number of house purchasers,the proportion and scale of mortgage loans from bnaks are also increasing,which has led to increased risk of repayment.At the same time,because some of the residents in the mortgage purchase lack careful consideration,thry have suffered a serious risk of loss.This paper reveals various risks in the mortgage purchase and puts forward...