商业性个人住房贷款

住房金融制度也经历了这样的演变过程，从完全的政策性分房，到政策性公积金制度与商业性个人住房贷款相结合，再到目前的商业性个人住房贷款占据主导地位。

Housing finance system has also gone through this evolution , from the full housing allocation policy to the combination of the Mandatory Provident Fund system and the commercial individual housing loans , to the current situation of commercial individual housing loans being leading role .

从目前我国住房金融发展的实际情况来看，个人住房贷款业务主要有三种形式：其一是政策性个人住房贷款，其二是商业性个人住房贷款，其三是个人住房组合贷款。

According to the current situation of housing banking development in China , the activities of personal real estate loans fall into three major forms : one of them is personal real estate loan supported by policy ; the other is commercial personal real estate loan .

对政策性住房信贷业务、住房公积金和商业性的个人住房抵押贷款的现状、问题进行较为详细的分析。

It also analyzes in detail the current situation and problems in policy-related residential credit business , residential accumulation fund and the housing mortgage loans .

2005年3月17日，中国人民银行出台了有关商业银行自营性个人住房贷款新政策，赋予了商业银行更大的自主定价权。

The People 's Bank of China puts into practice of privates housing loan policy in commercial banks on March 17,2005 , which endows commercial banks with the larger pricing power .

它是指住房资金治理中心，运用住房公积金委托商业性银行发放的个人住房贷款。

It is to point to housing fund management center , the individual housing that applies housing accumulation fund to entrust commerciality bank to extend borrows money .