Commercial housing loans are a loan method often used by home buyers, but commercial housing loans have some risks. The specific risk points of ICBC’s first-hand housing loans include:

The following:

(1) Main contents of credit risk of commercial housing loans

① Changes in the borrower's repayment ability.

②The rental situation of commercial housing has changed.

③The guarantor’s repayment ability changes.

(2) Prevention and control measures for commercial housing loan credit risks

① Strengthen the investigation and analysis of borrowers’ repayment ability.

② Strengthen the investigation and analysis of the rental situation of commercial housing.

③ Strengthen the investigation and analysis of the guarantor’s repayment ability.