近年来,央行曾多次降低贷款利率,以刺激个人住方贷款,推动房地产业发展。今年1～5月商品住宅每平方米平均售价为2289元,比去年同期上升9%。虽然央行房货新政策的出台一在定程度上防止了伴随个人超量贷款而增加的信贷风险,但房贷方面的种种问题仍不容忽视。高房价低收入制约房贷发展根据世界银行的研究表明,一套住宅的价格与家庭平均年收入之比应为3:1至6:1之间比较合理。考虑到 In recent years, the central bank has repeatedly lowered lending rates to stimulate individual housing loans and promote the development of the real estate industry. From January to May this year, the average selling price per square meter of commercial housing was 2,289 yuan, an increase of 9% over the same period of last year. Although the promulgation of a new central bank housing policy has, to a certain extent, prevented the credit risk associated with excessive personal loans, the problems in mortgages can not be ignored. High Housing Price and Low Income Constrain Mortgage Development According to a World Bank study, the ratio of the price of a house to the average family income should be between 3: 1 and 6: 1. considering