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's consumer attitudes: personal consumption is no longer "fear" credit to spend tomorrow money round today dream "concept of consumption is rapidly changing people's lives. Housing mortgage loans: the first time to use the money to buy large "housing mortgage loans, the transfer of ownership of the property in mortgage beneficiary (bank) refers to the mortgagor as a repayment guarantee repayment mortgage beneficiary property The transfer of property rights back to the mortgage loan cycle usually for a term of years ". Less current cash invested in bank approved mortgage conditions for long-term repayment ability, to obtain the right to use of the house,abercrombie france, is a veritable "spend future money round dream. The beginning of the rise of the mortgage circulating a joke: Chinese old woman said: "30 years, I finally had enough money to buy a house!" American Granny said: "30 years, I finally paid off the house loan 1997 years ago, the joke vividly reflects the people "debt-free" the traditional concept of consumption. 1991,parajumpers jacken, housing credit business started, some banks set up a real estate credit department; Shanghai CCB contractor by the end of 1993 the first personal housing mortgage loans, consumer ideas began to save enough money to buy a house again, "" break the ice "; 1998, National a large area of ​​the purposes of the housing monetization policy, the following year, the People's Bank of individual housing loans management approach into effect of bank deregulation policy "floodgates" for residential housing loans 1. First mortgage payment is still a certain plan,mulberry, and a considerable number of loans provided to the model workers, advanced people, the listing of the loan is limited to the protection of nature priced housing up to 15% per annum and the repayment time is just 10 to 15 years. But this test the water literally brought the personal upheaval of the consumer credit market,abercrombie france. The Development Research Center of the State Council, the Ministry of Housing research shows that, the CCB management approach introduced before the mortgage balance is only 25 million,air jordan, the end of the year after the introduction of the policy loan balance grew to $ 5,abercrombie.6 billion, the growth in the amount of basic income from the new mortgage. With the development of the real estate market, category and rate of mortgage tends to enrich and fall from 2000 to 2003, the first mortgage arrival of the peak,abercrombie, relax the repayment period to 20 years or more,air jordan pas cher, the annual interest rate down to 4-5% . Today, a lot of the first batch of commercial housing mortgage family will greet loan deadline, to live in a house of 20 years, the real sign their name. Short-term consumer credit: "beginning by the end of the month a knot" the rapid development of the house such a "large" changes in consumer attitudes,hermes, acceptance of short-term consumer credit and move up, central bank data show consumer credit accounted for bank credit increased by 0.2% in 1998, and quickly improve to 1.5% in 1999, has accounted for 12.82% of the size of RMB loans of financial institutions by the end of 2008, the balance of personal consumer credit. "Now every month on the 20th, but a important day." As a brand car company sales Hou Yu told reporters, "I have to give two repayment." If the mortgage is the only solution way for long-term consumption of family, then January 1 also credit card is the freedom of choice of the individual in the field of short-term general consumer, more profoundly reflect the people confidence in the future stability of cash income. As of the end of 2011, according to central bank data,hollister uk, the country issued a total credit Qatar 285 million, per capita credit card .21, Beijing, Shanghai credit card ownership per capita is much higher than the national average of 1.30 and 1.05, respectively. Coincidentally, the same in 2003, the credit card business by early service corporate users into the retail user. From individual retail user Beginners to 285 million, only a short span of nine years. , With cardholders are becoming more aware of the importance of personal credit, the excavation of the wealth of creativity and personal integrity of social maintenance have reached an unprecedented height. 2015 balance amounted to 21 trillion yuan or personal credit needs supporting the development of average annual growth rate of the consumer lending business by macroeconomic policies and credit base increasing impact, the growth rate has slowed in the past two years, but the industry generally believe, credit loans based on future expected income to determine the current consumption patterns of spending from the long-term perspective, China's consumer credit is still greater development space. The world's leading management companies, the Boston Consulting Group in its consumer credit report pointed out,parajumpers, "China's strong economic development has contributed to the growth of income, wealth and consumption, with the rich and penetration of the loan formats, 2015, consumer credit balance will reach 21 trillion yuan. "Judging from the current situation, China's consumer credit outstanding to the total proportion of RMB loans soon, but compared to the level of developed countries, 40-60%, or a big gap." People's Bank of Ningbo city center Sub-branch Zhenya think. The huge development potential opportunities to domestic banks, payment systems, but also to bring the same test. The industry believes that consumer loan repayment period is flexible,moncler pas cher, high uncertainty,abercrombie, risks for further activation of the consumer credit market, strengthen credit education on the one hand, the establishment of full the society cherishes credit the environment,mercurial; On the other hand, the banks as the credit side, should strengthen the review of the qualifications of the lender against possible default risk from the source.
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