The third part mainly approaches the problems existed in the law system in realizing the mortgage right of personal living house mortgage loan of our country , and aiming against the problems , put forward legislative advice 第三部分，重点探讨了我国个人住房抵押贷款之抵押权实现的法律制度存在的问题，并针对这些问题提出了立法建议。
At the present time , a lot of studies have been made in the area of securitization of housing mortgage loan of china , specifying the necessity , possibility and the possible barriers 目前，我国对住房抵押贷款证券化的必要性、可行性以及可能遇到的障碍已经作了大量研究，但对我国住房抵押贷款证券化的模式以及具体操作方案的研究则比较少。
Secondly , this section meticulously analyzes the effect of capital distribution , the renovation of financial mechanism and the influences of increase of financial efficiency in the securitization of housing mortgage loan 其次，对住房抵押贷款证券化的资金配置效应，融资机制的创新和对提高金融效率的意义等几个方面的经济效应作出了详细分析。
Individual housing mortgages loan is commonly with 20 or 30 start , once house price drops 30 % , the asset of the bank is met rapid shrink , return a likelihood badly to cause financial crisis , cause economic occurrence depression 个人住房按揭贷款一般都是以20或30起步的，一旦房价下跌30 % ，银行的资产就会迅速缩水，严重的还可能导致金融危机，导致经济出现萧条。
To allow market forces a bigger role in deciding the interest rate for housing mortgage loans the central bank decided to lower the bottom line of housing mortgage loans from 0 . 9 times the benchmark interest rate to 0 . 85 times 摘要：中国人民银行决定，自2006年8月19日起上调金融机构人民币存贷款基准利率。金融机构一年期存款基准利率上调0 . 27个百分点。注释： benchmark ： n .基准
The six part sthdies personal house mortgage loan hypothecation system ' s risk managemant . the weign risk ' s index system is bulied . from the conclusion of faintness integrate judge mathematics model , the new system reduce system risk efficiency 运用模糊综合评判数学模型对新旧体系的系统风险进行比较研究，从研究结果可以看出，本文构建的个人住房贷款担保体系有效的降低了系统风险。
