个人住房抵押组合贷款模型分析

由于个人住房抵押组合贷款对购买住房的同一借款申请人、使用同一抵押物、采用同一贷款期限、执行不同贷款利率,所以与单纯的政策性个人住房抵押委托贷款或商业性个人住房抵押贷款不同。为此,试图建立一个考虑居民收入增长的个人住房抵押组合贷款理论模型,通过该理论模型可以确定合理的贷款期限以及各年的还本付息额。结合本模型提出了改进现行的抵押贷款还款所采取的等额偿还法,采取随着居民收入的提高逐渐增加每期还款额,从而减少总的还款期限的建议。最后提出引入合同储蓄贷款的组合贷款理论模型,运用该理论模型可以测算引入合同储蓄贷款的组合贷款期限以及各年的还本付息额。

Study on the Combined Housing Mortgage Loan Model

The combined housing mortgage loan is different from the pure housing accumulation fund loan and the commercial housing mortgage loan because of the special requests of applicant, gage, term of loan and rate. To study the combined housing mortgage loan, we established a theory model for it. Through this model, we can work out the term of loan, the repayment of capital and interest every year. Then we suggested the current mode of repayment be changed from average repayment to increased repayment by degrees according to the increase of family income. The term of loan can be lessened by this repayment mode. At last, we established a combined housing mortgage loan model containing savings contract loan. Through it, the model out the term of loan, the repayment of capital and interest every year can be worked out including the savings contract loan.