CAJ | 학술논문

主要在购房按揭贷款传统还款模式的基础上,设计了周期为任意个月的新型还款方式.并对新型的还款方式与传统的还款方式进行了分析比较.最后,建议银行部门对传统的购房按揭贷款模式进行创新,并对不同收入类型的顾客群体采取相应的还款模式.
주요재구방안게대관전통환관모식적기출상,설계료주기위임의개월적신형환관방식.병대신형적환관방식여전통적환관방식진행료분석비교.최후,건의은행부문대전통적구방안게대관모식진행창신,병대불동수입류형적고객군체채취상응적환관모식.
Based on the traditional modes of housing mortgage-loan repayment, this paper designs a new mode in which the cycle equals any number that more than zero months. Then it analyzes and compares the new mode with the traditional repayment modes. Finally this paper tables a proposal for the bank on innovating in traditional modes of housing mortgage-loan repayment and carrying out corresponding patterns to clients of different income type.