中德住房储蓄合同解读
中德住房储蓄合同解读张卫平篮球
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来源：《中小企业管理与科技·上旬刊》2020年第05期
        【摘; 要】我国现有购房贷款主要为商业按揭贷款和公积金贷款两种。相较于传统的购房贷款，住房储蓄贷款具有贷款利率低且稳定的优点。住房储蓄贷款合同本质上是一种看涨期权，论文基于期权视角对住房储蓄贷款特点、优劣势进行分析，然后对住房储蓄贷款在中国的适用性问题进行了分析，最后提出了相应的改进建议。
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        【Abstract】The existing house purchase loans in China are mainly commercial mortgage loans and provident fund loans. Compared to traditional house purchase loans， housing savings loans have the advantage of low and stable loan interest rates. The housing savings loan contract is essentially a call option. Based on the options perspective， this paper analyzes the characteristics， advantages and disadvantages of the housing savings loan. Then this paper analyzes the applicability problems of the housin最好听的歌曲有哪些
车管所上班时间g savings loan in China， and finally puts forward the corresponding suggestions for improvement.

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