Consumer credit began in China only in the late 1990’s, with regulations allowing banks to offer mortgage loans, which now amount to about 10% of total loans. According to a recent survey by the People’s Bank (the central bank), households in the ten largest cities spend about 35% of their monthly income on average on mortgage repayments, which is comparable to other countries.
消费信用只是在九十年代后期才开始在中国出现，政策允许银行提供住房抵押贷款，现在这部分的贷款占到贷款总量的10%左右。根据人民银行（中央银行）最近的一次调查，在十个最大的城市里的家庭平均将大约35%的月收入用于偿还抵押贷款，这与其他一些国家已经相差无几了。