Mortgage - backed are commonly seen as a low risk and high earnings type of loan among the credit assets of commercial banks as a certain amount of interest and principle can be recovered each month that makes cash flow stable and that there is comparatively low risks in issuing these types of loans to individuals that use the houses they are paying off in installments as a loan guarantees 在商业银行的信贷资产中，住房抵押贷款通常被视为一种风险小、收益高的贷款品种，一则每月可稳定收回一定金额的本息，现金流稳定；二则以个人按揭购买的住房为抵押，风险较低。
