金融聯合徵信中心房貸借款人不同性別下的新增授信金額及利率統計表

資料來源為聯徵中心各會員機構所報送之「授信餘額月報資料」，並依性別分別加總個人所有之房屋貸款金額，同時分別計算平均撥款利率。 僅計算新承做放款之部分，亦即僅將資料日當月撥款的資料納入計算。 購買住宅貸款、房屋修繕貸款，皆定義為個人房屋貸款。 不包含逾期、催收及呆帳之授信帳戶。 如無性別資料者，該筆貸款資料不予納入計算。The dataset is sourced from the "Monthly Reports of Credit Outstanding Balances" submitted by member institutions of the Joint Credit Information Center. The total personal housing loan amounts are aggregated by gender, and the average disbursement interest rates are calculated separately for each gender group. Only newly originated loans are included in the calculation: only loan data disbursed in the month of the data reporting date is taken into account. Both residential mortgage loans and home renovation loans are defined as personal housing loans. Credit accounts that are overdue, in collection, or classified as bad debts are excluded. Any loan records without valid gender information are excluded from the calculation.

搜集汇总

背景与挑战

背景概述

该数据集基于联征中心会员机构报送的授信余额月报资料，统计不同性别房贷借款人的新增授信金额及平均利率，涵盖购买住宅和房屋修缮贷款。仅纳入当月拨款的新承做放款数据，并排除逾期、催收、呆账账户以及无性别资料的记录。