In the course of its operation, the securitization of housing mortgage loan has been confronted with such issues as risk control, law regulation and taxation.
住房抵押贷款证券化在其运行过程中，面临着风险控制、法律规制和税收等诸多方面的问题。
When buying a house with bank loan is popular in China, the risk of personal housing mortgage loan becomes to be today's live topic.
当个人信贷买房逐渐走进人们生活的时候，个人住房抵押贷款风险问题已成为当今热门的话题。
Thus, the study and control on the prepayment risk has become a key research subject of the risk management of personal housing mortgage loan.
对提前还款风险的研究和控制，已经成为个人住房抵押贷款风险管理的重要课题。
We take the securities of the housing mortgage loan as an effective method, which can effectively decrease the commercial bank's operation risk and raise the asset's fluidity.
认为住房按揭贷款证券化是一个较有效的方法，能够较好地降低商业银行经营风险和提高资产流动性。
By extending the period of housing mortgage loan, the burden of monthly payment of housing buyers, the interest rate risk of monthly payment and of total interest payment increase.
提高住房抵押贷款的还款期限可以降低月还款额，从而减轻还款压力，但同时也增加了月还款额以及贷款期间利息支出总额的利率风险。
By extending the period of housing mortgage loan, the burden of monthly payment of housing buyers, the interest rate risk of monthly payment and of total interest payment increase.
提高住房抵押贷款的还款期限可以降低月还款额，从而减轻还款压力，但同时也增加了月还款额以及贷款期间利息支出总额的利率风险。
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