This system fixes on the floor and upper limits and benchmark interest rate . its particular pricing procedure includes two major processes : ( 1 ) to confirm the initial interest rate by adjust the benchmark interest rate which take some elements such as the personal credit risk grade, loan category, loan term, the interrelationship between banks and borrowers, etc . as the basis; ( 2 ) to adjust the subsequently annual mortgage loan interest rate by using m-t-m model to confirm the alteration of value of the mortgage loan which related with the prepayment risk and term structure of interest rate in national debt market 该住房贷款定价体系先确定住房贷款定价的上下限及基准利率,其具体定价决定过程包含2个部分:(1)根据借款人的信用风险程度、贷款种类、贷款期限、借款人和银行关系等因素对贷款基准利率进行相应调整的初期利率;(2)应用m-t-m模型,根据考虑了住房贷款提前清偿风险、国债市场利率期限结构的住房贷款价值的变动情况对贷款初期利率进行年度的定价调整。