个人购房贷款呈现以下特征：一是集中于少数重点城市和热点地区；二是个人住房公积金贷款快速增长；三是个人购房贷款的不良率较低。

• Housing mortgage was (i) concentrated in a handful major cities and areas where housing prices rose strongly; (ii) accompanied by a rapid growth in housing provident funds, and (iii) with a low ratio of non?performing loans (NPL).