Problems And Development Of Housing Mortgage Loan On The Current Situation

In recent years, the personal housing mortgage loan has become to promote China’s urban housing reform, one of the important factors of the real estate market prosperity. Enterprise or individual housing mortgages in solving the shortage of funds and revitalize our economy, and accelerated the flow of the social capital as the personal housing mortgage loan balance, rising in the RMB loan balance and the proportion of GDP is becoming more and more big, personal housing mortgage loan on the residents’ life and social economy has had a profound effect. To specific know present situation and prospects for the development of real estate mortgage loans, the paper with the author’s company Beijing a letter guarantee companies as sample the research object, the data collected from 2014 to 2015, using descriptive analysis, regression analysis and time series analysis method, it is concluded that Beijing melting Concluded that Beijing financial guarantee letter of the four financial products business single volume increasing year by year, and seasonal trend, which in November of each year there are a large growth. One short letter foreclosure floor business time coefficient is 40.896, melting letter mat endowment of a coefficient is 42.388, melting letter mat endowment of single volume changes of the amplitude is greater than the redemption letter floor. Finally combining the Beijing melts the letter of guarantee company conclusion of previous literature on individual mortgage loan of existing research results, analysis in the process of developing the personal housing mortgage loans, and for the healthy development of personal housing mortgage loan their rationalization Suggestions are put forward...