The mortgage loan of personal house comes from real estate swift and violent market of development need and the need of getting profits.

个人住房按揭贷款的诞生，既源于房地产业迅猛发展的市场需要，又源于银行对新的利润增长点的内在需要。

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Finally, we should take concrete methods to the risks which our commercial Banks' personal real-estate loan business is confronted with, such as item risks, mortgage risks and so on.

五是针对商业银行个人住房面临的按揭项目风险、提前还款风险、抵押物风险提出具体的风险管理措施和方法。

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Consumer credit is a personal and family used to meet personal needs (except real estate mortgage) credit, and credit the opposite.

消费信贷是个人和家庭用于满足个人需求(房产抵押贷款例外)的信贷，与企业信贷相反。

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Expenses associated with a personal residence, aside from mortgage interest and real estate taxes, are not deductible, but the taxpayer is also not required to report the rental income.

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