“伪气球贷”风险研究

随着我国城镇化进程的加快,个人住房按揭贷款出现井喷式发展。每月还款额的多寡、利率的高低以及如何节省利息等问题牵动着成千上万"房奴"的心。西方比较流行的"气球贷"还款方式目前在我国还不太普遍,但在实际的工作中,由于各种原因,我们往往会碰到貌似"气球贷"的还款方式,但其与真正意义上的"气球贷"相差甚远,可谓南辕北辙,对客户来讲不但不节省利息反而要多支付利息。目前国内外对此的研究还是空白,给这个貌合神离的"气球贷"起名为"假气球贷"或"伪气球贷"。

With the speeding up of urbanization process in China, the personal mortgage loan acquires an explosive growth. The repayment of every month, the level of interest rates and how to save the interest etc. affect thousands of housing slaves’hearts. The mode of repayment of Balloon loan, which is prevalent in west, is not very popular in our country. In fact, for all sorts of reasons, we will meet much more modes of repayment of Balloon loan in appearance in practice, but there is a great deal of difference between them and it is true to try to go south by driving the chariot north. Customers not only not save interest but also burden more interest. Furthermore, there are no studies about this at home and abroad. The authors call it False Balloon Loan or Fake Balloon Loan. This article mainly discusses the risks on Fake Balloon Loan.