福利分房已离我们远去了。面对动辄十几万、二十几万甚至上百万元的商品房，挣“死工资”的人要想圆住房梦，惟一的选择也就是个人住房贷款。现在商业银行住房贷款的“门槛”一降再降，向银行申请个人住房贷款已不是件难事。不过贷款买房还真有点学问。现在，银行个人住房贷款 Welfare housing has been far away from us. The face of hundreds of thousands at every turn, two hundred thousand or even millions of dollars of commercial housing, earn “dead wages” people want to round housing dream, the only option is to personal housing loans. Now the “threshold” of commercial bank housing loans drop lower and lower, to apply for personal housing loans to banks is not a difficult task. However, loans to buy a house really a little learned. Now, the bank personal housing loans