房地产金融论文.doc

山东建筑大学
题目浅析住房储蓄贷款,抵押贷款,住房公积金
院系名称管理工程学院
班级房管142
学生姓名李梓颖
学号 20140213069
指导教师贾书新
时间 2016年10月22日
摘要
房地产即我们社会基本需求中的“住”,可见它的健康发展对我们的生活,对社会的前进影响是极其大的。但中国的楼市发展非常的“火爆”及“疯狂”,“上帝欲让其灭亡,必先让其疯狂。”房价的高高在上,让人敬而畏之。在正常收入情况下,买房一次性付清已经不能实现了,人们更多的是选择贷款,而有多少人真正懂得如何贷款最实惠?选择哪一种贷款才适合自身情况?本文就此浅谈住房储蓄贷款、抵押贷款和住房公积金贷款的区别,让广大购房人士有一个更清楚的认识,从而选择正确的方式,达到适用、省钱的效果。
关键词:房地产,贷款,住房储蓄贷款,抵押贷款,住房公积金
ABSTRACT

Real estate is our basic needs of munity, "live", we can see that the healthy development of our lives, the impact on the progress of society is extremely large. But Chinese the development of the property market is very hot and crazy, "the gods wish to destroy, they first make mad." The price of the superior, let people respect and fear. In normal e, buy a one-time payment can not be achieved, people are more choice of loans, but how many people really know how to loan the most affordable? What kind of loan is suitable for their own situation? This difference of housing savings loans, mortgage loans and housing provident fund loans, so that the majority of buyers have a more clear understanding, so as to choose the right way to apply, save money in the near future will be on track property market in advance and remain prosperous.
Keywords : Real estate, loan, housing savings loan, mortgage, housing accumulation fund
目录
一、住房储蓄贷款 1
1、住房储蓄贷款是什么? 1
2、住房储蓄贷款的特点是什么? 1
3、住房储蓄贷款的优点是什么?