① False mortgage, fraudulently obtaining bank loans ② The risks of unfinished real estate, false advertisements and the failure of promises caused by various reasons),
(2) Project risk
(1) there are defects in the legality of the project, leading to risks; (2) Bank risks caused by dim market prospects of the project; (3) Bank risks caused by poor housing quality or defects),
(3) Risks from borrowers
① the borrower's ability risk, ② the borrower's vicious breach of contract),
(4) collateral risk
(5) Risks from intermediary cooperation agencies,
(6) Risks from banks themselves.
The main preventive measures of personal housing loan risk control in Chinese commercial banks;
(1) Strengthen the pre-loan investigation and strictly control the loan access.
(2) Strengthen post-loan management and guard against individual housing loan risks.
(3) Carefully choose cooperative intermediary to guard against moral hazard,
(4) Actively use insurance, guarantee and other means to prevent loan risks.