| 个人住房抵押贷款模式及应用 |
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| 引用本文： | 徐一萍,李国安.个人住房抵押贷款模式及应用[J].宁波大学学报(理工版),2001,14(1):64-70. |
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| 作者姓名： | 徐一萍 李国安 |
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| 作者单位： | 1. 宁波大学商学院,
2. 宁波大学理学院, |
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| 基金项目： | 浙江省自然科学基金!（797036）资助项目． |
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| 摘 要： | 提出了等比还贷，等差还贷，基于等额的灵活还贷和混合还贷4种模式，举例分析并指出了各模式适合的客户类型，最后对贷款利率调整时各模式的有关变化作了进一步的探讨，各种还贷模式可根据具体情况在实践中推广应用。
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| 关 键 词： | 个人住房抵押贷款 还贷模式 客户类型 模式选择 等比还贷 等差还贷 |
| 文章编号： | 1001-5132(2001)01-0064-06 |
| 修稿时间： | 2000年10月20 |
Payment Model of Personal Housing Mortgage Loan and Its Application |
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| Xu Yi-ping,LI Guo-an.Payment Model of Personal Housing Mortgage Loan and Its Application[J].Journal of Ningbo University(Natural Science and Engineering Edition),2001,14(1):64-70. |
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| Authors: | Xu Yi-ping LI Guo-an |
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| Abstract: | The selection of payment model of personal housing mortgage loan is studied. Several payment models are provided including so-called equal ratio payment model, equal quantity difference payment model, flexible-payment model, and mixed- payment model. Examples are given to analyze which model is suitable for certain types of customers. The selection of payment model depends on various situations in practice. |
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| Keywords: | personal housing mortgage loan model of payment mortgage kinds of customer selection of payment model |
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