在住房抵押贷款中,最重要的三因素为:首期付款、利率、期限.1.首期付款首期付款额,即付现额.虽然付款额越高,吸收居民持有的现金越多,但从另一个角度看,付现额要受居民承受能力的限制.超过居民现有储蓄水平和支付能力的付现额,会阻碍居民购买住房的积极性和获得住宅贷款的可能性.因此付现额要有一个度的限制.适度的付现额既要能保证贷款的安全性,又要能扩大住宅信度. In the mortgage loan, the three most important factors are: the first payment, the interest rate and the term .1. The first payment is the first payment, ie the cash is paid. The higher the payment, the more cash the resident holds , But from another perspective, the amount to be paid is subject to the affordability of the population, which exceeds the residents’ current level of savings and the ability to pay, which hinders the enthusiasm of residents in purchasing housing and the possibility of obtaining a home loan. There must be a limit on the amount of current. Moderate payment of the amount of both to ensure the safety of loans, but also to expand residential reliability.