随着住房市场的迅猛发展,商业银行个人住房贷款业务快速增长,仅2016年上半年全国个人房款余额就增加了2.36万亿元,总量高达16.55万亿元。个人房贷低风险、低成本、高综合收益的特点,使之成为各家银行优先发展的业务,而其低融资成本的特点,更使其成为各融资主体热捧的金融产品。一些投机分 With the rapid development of the housing market, the personal housing loan business of commercial banks increased rapidly. In the first half of 2016 alone, the balance of personal housing loans in the country increased by 2.36 trillion yuan to a total of 16.55 trillion yuan. The features of low risk, low cost and high comprehensive income of individual mortgages have made banks the priority businesses of various banks, and their low financing costs have made them more and more attractive financial products. Some speculation points