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1、高房价与低收入的矛盾致使居民购房承受力受到限制,成为制约我国住房消费信贷发展的主要因素。最近,有关方面在对部分城市住房消费贷款现状进行调查后,普遍感到尽管今年政府为启动房地产市场制定颁布了一系列优惠政策,但作为连接供给与消费的银行住房消费贷款却仍然“步履蹒跚”。如成都市工行承诺
1, the contradiction between high housing prices and low income has caused residents to limit their affordability and become the main factor restricting the development of China’s housing consumer credit. Recently, after surveying the current state of housing consumer loans in some cities, it is generally felt that despite this year’s government promulgated a series of preferential policies to start the real estate market, consumer loans as a bank home connecting supply and consumption still “falter” . Such as Chengdu City, ICBC promises