浅议我国固定利率房贷

Talking about the Housing Loan with Fixed Interest Ratio in China

针对目前央行不断调整利息使得贷款者的还贷负担加重,住房贷款增额日益减少的情况,分析了固定利率房贷的优势及风险,同时提出了固定利率房贷的实施办法和风险防范对策。

In the light of the situation that the continuous adjustment of the interest made by the central bank at present makes the burden of the credit side heavier and the increment of housing loan be decreasing day by day, this paper analyzes on the advantages and risks of the housing loan with fixed interest ratio, and advances some methods for implementing the housing loan with fixed interest ratio and some countermeasures for preventing these risks.