The amount of mortgage loans increases at a speed of 40-50% or higher nowadays, but the unperformed loan rate increases significantly as well.

• 当前许多商业银行的个人住房抵押贷款业务以年增长率40%25-50%25或更高的速度发展,随着个人住房抵押贷款余额的快速增加,个人住房抵押贷款的不良率也开始不断攀升。