SECURITIES AND EXCHANGE COMMISSION

                            Washington, D.C. 20549

                                   FORM 8-K

                                CURRENT REPORT

                    Pursuant to Section 13 or 15(d) of the

                        Securities Exchange Act of 1934

      Date of Report (Date of earliest event reported): November 25, 2005

                                      CWT

                                  (Depositor)

 (Issuer in respect of CHL Mortgage Pass-Through Certificates, Series 2005-31)

                (Exact name of registrant as specified in charter)

Delaware                      33-63714                      95-4449516
(State or other               (Commission File No.)         (I.R.S. Employer
    jurisdiction of                                         Identification No.)
    organization)



, , N/A                                                     91110-7137
(Address of principal executive offices)                    (Zip Code)


Registrant's Telephone Number, including area code: (818)-304-4428

                                 Not Applicable
              (Former name, former address and former fiscal year,
                          if changed since last report)

Check the appropriate box below if the Form 8-K filing is intended to
simultaneously satisfy the filing obligation of the registrant under any of the
following provisions.

[]Written communications pursuant to Rule 425 under the Securities Act (17
  CFR 230.425)
[]Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17
  CFR 240.14a-12)
[]Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange
  Act (17 CFR 240.14d-2(b))
[]Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange
  Act (17 CFR 240.13e-4(c))


<PAGE>


                    Section 8 - Other Events

  Item 8.01  Other Events

                    Section 9 - Financial Statements and Exhibits

  Item 9.01  Financial Statements and Exhibits


<PAGE>



                                   SIGNATURES

Pursuant  to the  requirements  of the  Securities  Exchange  Act of  1934,  the
registrant  has duly  caused  this  report  to be  signed  on its  behalf by the
undersigned thereunto duly authorized.

Dated: November 25, 2005


                                      CWT


                          By: /s/ Cirino Emanuel
                              ------------------------------
                          Name:   Cirino Emanuel
                                  Assistant Treasurer
                                  The Bank of New York,
                                  as Trustee



<PAGE>



                                 EXHIBIT INDEX



Exhibit


99                  Monthly Remittance Statement dated November 25, 2005


                             Payment Date: 11/25/05


          ------------------------------------------------------------
                             Countrywide Home Loans
             CHL Mortgage Pass-Through Certificates, Series 2005-31
                         Alternative Loan Trust 2005-31
          ------------------------------------------------------------
<TABLE>
<CAPTION>

Class Information                                Current Payment Information

----------------------------------------------------------------------------------------------------------------------------------
                                 Beginning       Pass Thru     Principal       Interest      Total           Principal  Interest
Type       Class Code   Name     Cert. Bal.      Rate          Dist. Amt.      Dist. Amt.    Dist.           Losses     Shortfalls
----------------------------------------------------------------------------------------------------------------------------------
<S>        <C>          <C>      <C>             <C>           <C>             <C>           <C>             <C>        <C>
Senior                  1A1       390,939,388.09    4.317500%     5,250,673.73  1,453,452.92    6,704,126.64       0.00       0.00
                        1A2        62,323,489.46    4.357500%       837,061.49    233,855.91    1,070,917.41       0.00       0.00
                        1A3        67,989,960.31    4.417500%       913,167.38    258,630.98    1,171,798.36       0.00       0.00
                        1X                  0.00    0.000000%             0.00    527,576.61      527,576.61       0.00       0.00
                        2A1       209,210,399.56    4.337500%     4,222,443.12    781,415.37    5,003,858.49       0.00       0.00
                        2A2        84,279,600.44    4.357500%     1,700,994.88    316,241.64    2,017,236.52       0.00       0.00
                        2A3        55,193,357.15    4.427500%     1,113,954.24    210,428.51    1,324,382.74       0.00       0.00
                        2X                  0.00    0.000000%             0.00    303,214.05      303,214.05       0.00       0.00
                        1M1        17,095,233.55    4.617500%           114.91     65,781.03       65,895.94       0.00       0.00
                        1B1        13,796,783.91    4.887500%            92.74     56,193.15       56,285.89       0.00       0.00
                        1B2         9,897,345.56    5.637500%            66.53     46,496.90       46,563.43       0.00       0.00
                        1B3        10,497,335.95    5.287500%            70.56     46,253.89       46,324.45       0.00       0.00
                        1B4         4,198,934.38    5.287500%            28.22     18,501.55       18,529.78       0.00       0.00
                        1B5         2,999,627.47    5.287500%            20.16     13,217.11       13,237.27       0.00       0.00
                        1MX                 0.00    0.000000%             0.00     31,088.19       31,088.19       0.00       0.00
                        2M1        10,953,777.64    4.617500%            43.88     42,149.22       42,193.10       0.00       0.00
                        2B1         8,762,822.75    4.887500%            35.10     35,690.25       35,725.35       0.00       0.00
                        2B2         6,372,508.91    5.545316%            25.53     29,937.52       29,963.04       0.00       0.00
                        2B3         6,571,867.87    5.287500%            26.32     28,957.29       28,983.62       0.00       0.00
                        2B4         2,788,034.95    5.287500%            11.17     12,284.78       12,295.95       0.00       0.00
                        2B5         1,990,651.97    5.287500%             7.96      8,771.31        8,779.27       0.00       0.00
                        2MX                 0.00    0.000000%             0.00     15,221.95       15,221.95       0.00       0.00
Residual                AR                  0.00    5.694395%             0.00          0.00            0.00       0.00       0.00
----------------------------------------------------------------------------------------------------------------------------------
----------------------------------------------------------------------------------------------------------------------------------
----------------------------------------------------------------------------------------------------------------------------------
Totals          -        -        965,861,119.94     -           14,038,837.93  4,535,360.13   18,574,198.05     -          -
----------------------------------------------------------------------------------------------------------------------------------
Class Information

--------------------------------------------------------------------------------
                                             Ending Cert.          Unpaid
Type             Class Code     Name         Notional Bal.         Interest
--------------------------------------------------------------------------------
Senior                          1A1       385,688,714.36              0.00
                                1A2        61,486,427.97              0.00
                                1A3        67,076,792.93              0.00
                                1X                  0.00              0.00
                                2A1       204,987,956.44              0.00
                                2A2        82,578,605.55              0.00
                                2A3        54,079,402.91              0.00
                                2X                  0.00              0.00
                                1M1        17,095,118.64              0.00
                                1B1        13,796,691.17              0.00
                                1B2         9,897,279.04              0.00
                                1B3        10,497,265.39              0.00
                                1B4         4,198,906.16              0.00
                                1B5         2,999,607.31              0.00
                                1MX                 0.00              0.00
                                2M1        10,953,733.76              0.00
                                2B1         8,762,787.65              0.00
                                2B2         6,372,483.39              0.00
                                2B3         6,571,841.54              0.00
                                2B4         2,788,023.78              0.00
                                2B5         1,990,644.01              0.00
                                2MX                 0.00              0.00
Residual                        AR                  0.00              0.00
--------------------------------------------------------------------------------
--------------------------------------------------------------------------------
--------------------------------------------------------------------------------
Totals            -              -        951,822,282.01     -
--------------------------------------------------------------------------------

</TABLE>
<PAGE>
                             Payment Date: 11/25/05


          ------------------------------------------------------------
                             Countrywide Home Loans
             CHL Mortgage Pass-Through Certificates, Series 2005-31
                         Alternative Loan Trust 2005-31
          ------------------------------------------------------------
<TABLE>
<CAPTION>

Class Information                                Current Payment Information

                                                      Factors per $1,000

------------------------------------------------------------------------------------------------------------------------
                                   Beginning     Pass Thru    CUSIP       Principal     Interest    Ending Cert./
Type        Class Code    Name   Cert. Bal.(Face)  Rate       Numbers       Dist.         Dist.     Notional Bal.
------------------------------------------------------------------------------------------------------------------------
<S>         <C>           <C>    <C>               <C>        <C>         <C>           <C>         <C>
------------------------------------------------------------------------------------------------------------------------
Senior                     1A1   390,939,388.09     4.317500% 12667GYX5    12.910244      3.573719    948.323148
                           1A2    62,323,489.46     4.357500% 12667GYY3    12.910244      3.606828    948.323148
                           1A3    67,989,960.31     4.417500% 12667GYZ0    12.910244      3.656492    948.323148
                           1X              0.00     0.000000% 12667GZA4     0.000000      0.000000      0.000000
                           2A1   209,210,399.56     4.337500% 12667GZB2    19.439719      3.597561    943.744706
                           2A2    84,279,600.44     4.357500% 12667GZC0    19.439719      3.614149    943.744706
                           2A3    55,193,357.15     4.427500% 12667GZD8    19.439719      3.672208    943.744706
                           2X              0.00     0.000000% 12667GZE6     0.000000      0.000000      0.000000
                           1M1    17,095,233.55     4.617500% 12667GZH9     0.006711      3.841453    998.313399
                           1B1    13,796,783.91     4.887500% 12667GZJ5     0.006711      4.066075    998.313399
                           1B2     9,897,345.56     5.637500% 12667GZK2     0.006711      4.690025    998.313399
                           1B3    10,497,335.95     5.287500% 12667GZQ9     0.006711      4.398848    998.313399
                           1B4     4,198,934.38     5.287500% 12667GZR7     0.006711      4.398848    998.313399
                           1B5     2,999,627.47     5.287500% 12667GZS5     0.006711      4.398848    998.313399
                           1MX             0.00     0.000000% 12667GZG1     0.000000      0.000000      0.000000
                           2M1    10,953,777.64     4.617500% 12667GZM8     0.003993      3.835583    996.790769
                           2B1     8,762,822.75     4.887500% 12667GZN6     0.003993      4.059862    996.790769
                           2B2     6,372,508.91     5.545316% 12667GZP1     0.003993      4.682859    996.790769
                           2B3     6,571,867.87     5.287500% 12667GZT3     0.003993      4.392127    996.790769
                           2B4     2,788,034.95     5.287500% 12667GZU0     0.003993      4.392127    996.790769
                           2B5     1,990,651.97     5.287500% 12667GZV8     0.003987      4.392127    996.790775
                           2MX             0.00     0.000000% 12667GZL0     0.000000      0.000000      0.000000
Residual                   AR              0.00     5.694395% 12667GZF3     0.000000      0.000000      0.000000
------------------------------------------------------------------------------------------------------------------------
------------------------------------------------------------------------------------------------------------------------
------------------------------------------------------------------------------------------------------------------------
Totals       -             -     965,861,119.94       -            -           -             -           -
------------------------------------------------------------------------------------------------------------------------
------------------------------------------------------------------------------------------------------------------------
</TABLE>


<PAGE>

          ------------------------------------------------------------
                             Countrywide Home Loans
             CHL Mortgage Pass-Through Certificates, Series 2005-31
                         Alternative Loan Trust 2005-31
          ------------------------------------------------------------

--------------------------------------------------------------------------------
                             COLLATERAL INFORMATION
--------------------------------------------------------------------------------

                                                            Total
                                                            -----
Prin balance       572,736,803.10   379,085,479.61   951,822,282.71
Loan count                   1517             1014             2531
Avg loan rate           6.108878%        5.958294%             6.05
Prepay amount        8,003,717.72     7,651,448.95    15,655,166.67

--------------------------------------------------------------------------------
                                FEES AND ADVANCES
--------------------------------------------------------------------------------

                                                            Total
                                                            -----
Master serv fees       178,987.07       118,178.96       297,166.03
Sub servicer fees       14,726.85         9,324.19        24,051.04
Trustee fees             4,348.04         2,895.92         7,243.96


Agg advances                  N/A              N/A              N/A
Adv this period         56,957.07        28,890.76        85,847.83

--------------------------------------------------------------------------------
                          LOSSES & INSURANCE COVERAGES
--------------------------------------------------------------------------------

                                                            Total
                                                            -----
Realized losses              0.00             0.00             0.00
Cumulative losses            0.00             0.00             0.00

Coverage Amounts                                            Total
----------------                                            -----
Bankruptcy                   0.00             0.00             0.00
Fraud               12,017,175.50     7,991,421.07    20,008,596.57
Special Hazard               0.00             0.00             0.00


                         Aggregate Certificate Information
   -----------------------------------------------------------------------------
   Class            Aggregate           Aggregate                     Aggregate
   Type            Percentage           Prepay Pct.              End Cert. Bal.
   -----------------------------------------------------------------------------
   Senior          100.000000%           100.000000%            965,861,119.94
   -----------------------------------------------------------------------------
   Junior            0.000000%             0.000000%                      0.00
   -----------------------------------------------------------------------------

--------------------------------------------------------------------------------
                          DELINQUENCY INFORMATION
--------------------------------------------------------------------------------
Period                             Loan Count    Ending Stated Balance
------                             ----------    ---------------------
30 to 59 days                          42                20,924,767.39
60 to 89 days                           8                 1,912,487.89
90 or more                              4                 1,419,824.13
Foreclosure                             0                         0.00

Totals:                                54                24,257,079.41
--------------------------------------------------------------------------------


<PAGE>
--------------------------------------------------------------------------------
                                REO INFORMATION
--------------------------------------------------------------------------------
   REO Date        Loan Number     Ending Stated Balance          Book Value
   --------        -----------     ---------------------          ----------
   N/A              #                   0                            N/A
   N/A              #                   0                            N/A
   N/A              #                   0                            N/A
   N/A              #                   0                            N/A
   N/A              #                   0                            N/A
   N/A              #                   0                            N/A
   N/A              #                   0                            N/A
   N/A              #                   0                            N/A
   Totals:                              0                            N/A

Current Total Outstanding Balance:                                      0.00
Current Total Outstanding Number of Loans:                                 0



<PAGE>
--------------------------------------------------------------------------------
                               OTHER INFORMATION
--------------------------------------------------------------------------------
                                  Amount/Withdrawal     Total/Ending Bal.
                                  -----------------     -----------------
Available remittance amount           18,574,198.05         18,574,198.05
Principal remittance amount           14,038,837.93         14,038,837.93
Interest remittance amount             4,535,360.13          4,535,360.13
[{"type": "8-K", "sequence": "1", "filename": "cwt0531_8k0511.txt", "secsgml_size_bytes": 20330}]
{"company-data": {"conformed-name": "ALTERNATIVE LOAN TRUST 2005-31", "cik": "0001332094", "assigned-sic": "6189"}, "filing-values": {"form-type": "8-K", "act": "34", "file-number": "333-123167-23", "film-number": "051236491"}, "mail-address": {"street1": "4500 PARK GRANADA", "city": "CALABASAS", "state": "CA", "zip": "91302"}}
SECURITIES AND EXCHANGE COMMISSION

                            Washington, D.C. 20549

                                   FORM 8-K

                                CURRENT REPORT

                    Pursuant to Section 13 or 15(d) of the

                        Securities Exchange Act of 1934

      Date of Report (Date of earliest event reported): November 25, 2005

                                      CWT

                                  (Depositor)

 (Issuer in respect of CHL Mortgage Pass-Through Certificates, Series 2005-31)

                (Exact name of registrant as specified in charter)

Delaware                      33-63714                      95-4449516
(State or other               (Commission File No.)         (I.R.S. Employer
    jurisdiction of                                         Identification No.)
    organization)

, , N/A                                                     91110-7137
(Address of principal executive offices)                    (Zip Code)

Registrant's Telephone Number, including area code: (818)-304-4428

                                 Not Applicable
              (Former name, former address and former fiscal year,
                          if changed since last report)

Check the appropriate box below if the Form 8-K filing is intended to
simultaneously satisfy the filing obligation of the registrant under any of the
following provisions.

[]Written communications pursuant to Rule 425 under the Securities Act (17
  CFR 230.425)
[]Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17
  CFR 240.14a-12)
[]Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange
  Act (17 CFR 240.14d-2(b))
[]Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange
  Act (17 CFR 240.13e-4(c))
Section 8 - Other Events

  Item 8.01  Other Events

                    Section 9 - Financial Statements and Exhibits

  Item 9.01  Financial Statements and Exhibits
SIGNATURES

Pursuant  to the  requirements  of the  Securities  Exchange  Act of  1934,  the
registrant  has duly  caused  this  report  to be  signed  on its  behalf by the
undersigned thereunto duly authorized.

Dated: November 25, 2005

                                      CWT

                          By: /s/ Cirino Emanuel
                              ------------------------------
                          Name:   Cirino Emanuel
                                  Assistant Treasurer
                                  The Bank of New York,
                                  as Trustee
EXHIBIT INDEX

Exhibit

99                  Monthly Remittance Statement dated November 25, 2005

                             Payment Date: 11/25/05

          ------------------------------------------------------------
                             Countrywide Home Loans
             CHL Mortgage Pass-Through Certificates, Series 2005-31
                         Alternative Loan Trust 2005-31
          ------------------------------------------------------------
Class Information                                Current Payment Information

----------------------------------------------------------------------------------------------------------------------------------
                                 Beginning       Pass Thru     Principal       Interest      Total           Principal  Interest
Type       Class Code   Name     Cert. Bal.      Rate          Dist. Amt.      Dist. Amt.    Dist.           Losses     Shortfalls
----------------------------------------------------------------------------------------------------------------------------------
Senior                  1A1       390,939,388.09    4.317500%     5,250,673.73  1,453,452.92    6,704,126.64       0.00       0.00
                        1A2        62,323,489.46    4.357500%       837,061.49    233,855.91    1,070,917.41       0.00       0.00
                        1A3        67,989,960.31    4.417500%       913,167.38    258,630.98    1,171,798.36       0.00       0.00
                        1X                  0.00    0.000000%             0.00    527,576.61      527,576.61       0.00       0.00
                        2A1       209,210,399.56    4.337500%     4,222,443.12    781,415.37    5,003,858.49       0.00       0.00
                        2A2        84,279,600.44    4.357500%     1,700,994.88    316,241.64    2,017,236.52       0.00       0.00
                        2A3        55,193,357.15    4.427500%     1,113,954.24    210,428.51    1,324,382.74       0.00       0.00
                        2X                  0.00    0.000000%             0.00    303,214.05      303,214.05       0.00       0.00
                        1M1        17,095,233.55    4.617500%           114.91     65,781.03       65,895.94       0.00       0.00
                        1B1        13,796,783.91    4.887500%            92.74     56,193.15       56,285.89       0.00       0.00
                        1B2         9,897,345.56    5.637500%            66.53     46,496.90       46,563.43       0.00       0.00
                        1B3        10,497,335.95    5.287500%            70.56     46,253.89       46,324.45       0.00       0.00
                        1B4         4,198,934.38    5.287500%            28.22     18,501.55       18,529.78       0.00       0.00
                        1B5         2,999,627.47    5.287500%            20.16     13,217.11       13,237.27       0.00       0.00
                        1MX                 0.00    0.000000%             0.00     31,088.19       31,088.19       0.00       0.00
                        2M1        10,953,777.64    4.617500%            43.88     42,149.22       42,193.10       0.00       0.00
                        2B1         8,762,822.75    4.887500%            35.10     35,690.25       35,725.35       0.00       0.00
                        2B2         6,372,508.91    5.545316%            25.53     29,937.52       29,963.04       0.00       0.00
                        2B3         6,571,867.87    5.287500%            26.32     28,957.29       28,983.62       0.00       0.00
                        2B4         2,788,034.95    5.287500%            11.17     12,284.78       12,295.95       0.00       0.00
                        2B5         1,990,651.97    5.287500%             7.96      8,771.31        8,779.27       0.00       0.00
                        2MX                 0.00    0.000000%             0.00     15,221.95       15,221.95       0.00       0.00
Residual                AR                  0.00    5.694395%             0.00          0.00            0.00       0.00       0.00
----------------------------------------------------------------------------------------------------------------------------------
----------------------------------------------------------------------------------------------------------------------------------
----------------------------------------------------------------------------------------------------------------------------------
Totals          -        -        965,861,119.94     -           14,038,837.93  4,535,360.13   18,574,198.05     -          -
----------------------------------------------------------------------------------------------------------------------------------
Class Information

--------------------------------------------------------------------------------
                                             Ending Cert.          Unpaid
Type             Class Code     Name         Notional Bal.         Interest
--------------------------------------------------------------------------------
Senior                          1A1       385,688,714.36              0.00
                                1A2        61,486,427.97              0.00
                                1A3        67,076,792.93              0.00
                                1X                  0.00              0.00
                                2A1       204,987,956.44              0.00
                                2A2        82,578,605.55              0.00
                                2A3        54,079,402.91              0.00
                                2X                  0.00              0.00
                                1M1        17,095,118.64              0.00
                                1B1        13,796,691.17              0.00
                                1B2         9,897,279.04              0.00
                                1B3        10,497,265.39              0.00
                                1B4         4,198,906.16              0.00
                                1B5         2,999,607.31              0.00
                                1MX                 0.00              0.00
                                2M1        10,953,733.76              0.00
                                2B1         8,762,787.65              0.00
                                2B2         6,372,483.39              0.00
                                2B3         6,571,841.54              0.00
                                2B4         2,788,023.78              0.00
                                2B5         1,990,644.01              0.00
                                2MX                 0.00              0.00
Residual                        AR                  0.00              0.00
--------------------------------------------------------------------------------
--------------------------------------------------------------------------------
--------------------------------------------------------------------------------
Totals            -              -        951,822,282.01     -
--------------------------------------------------------------------------------
Payment Date: 11/25/05

          ------------------------------------------------------------
                             Countrywide Home Loans
             CHL Mortgage Pass-Through Certificates, Series 2005-31
                         Alternative Loan Trust 2005-31
          ------------------------------------------------------------
Class Information                                Current Payment Information

                                                      Factors per $1,000

------------------------------------------------------------------------------------------------------------------------
                                   Beginning     Pass Thru    CUSIP       Principal     Interest    Ending Cert./
Type        Class Code    Name   Cert. Bal.(Face)  Rate       Numbers       Dist.         Dist.     Notional Bal.
------------------------------------------------------------------------------------------------------------------------
------------------------------------------------------------------------------------------------------------------------
Senior                     1A1   390,939,388.09     4.317500% 12667GYX5    12.910244      3.573719    948.323148
                           1A2    62,323,489.46     4.357500% 12667GYY3    12.910244      3.606828    948.323148
                           1A3    67,989,960.31     4.417500% 12667GYZ0    12.910244      3.656492    948.323148
                           1X              0.00     0.000000% 12667GZA4     0.000000      0.000000      0.000000
                           2A1   209,210,399.56     4.337500% 12667GZB2    19.439719      3.597561    943.744706
                           2A2    84,279,600.44     4.357500% 12667GZC0    19.439719      3.614149    943.744706
                           2A3    55,193,357.15     4.427500% 12667GZD8    19.439719      3.672208    943.744706
                           2X              0.00     0.000000% 12667GZE6     0.000000      0.000000      0.000000
                           1M1    17,095,233.55     4.617500% 12667GZH9     0.006711      3.841453    998.313399
                           1B1    13,796,783.91     4.887500% 12667GZJ5     0.006711      4.066075    998.313399
                           1B2     9,897,345.56     5.637500% 12667GZK2     0.006711      4.690025    998.313399
                           1B3    10,497,335.95     5.287500% 12667GZQ9     0.006711      4.398848    998.313399
                           1B4     4,198,934.38     5.287500% 12667GZR7     0.006711      4.398848    998.313399
                           1B5     2,999,627.47     5.287500% 12667GZS5     0.006711      4.398848    998.313399
                           1MX             0.00     0.000000% 12667GZG1     0.000000      0.000000      0.000000
                           2M1    10,953,777.64     4.617500% 12667GZM8     0.003993      3.835583    996.790769
                           2B1     8,762,822.75     4.887500% 12667GZN6     0.003993      4.059862    996.790769
                           2B2     6,372,508.91     5.545316% 12667GZP1     0.003993      4.682859    996.790769
                           2B3     6,571,867.87     5.287500% 12667GZT3     0.003993      4.392127    996.790769
                           2B4     2,788,034.95     5.287500% 12667GZU0     0.003993      4.392127    996.790769
                           2B5     1,990,651.97     5.287500% 12667GZV8     0.003987      4.392127    996.790775
                           2MX             0.00     0.000000% 12667GZL0     0.000000      0.000000      0.000000
Residual                   AR              0.00     5.694395% 12667GZF3     0.000000      0.000000      0.000000
------------------------------------------------------------------------------------------------------------------------
------------------------------------------------------------------------------------------------------------------------
------------------------------------------------------------------------------------------------------------------------
Totals       -             -     965,861,119.94       -            -           -             -           -
------------------------------------------------------------------------------------------------------------------------
------------------------------------------------------------------------------------------------------------------------
------------------------------------------------------------
                             Countrywide Home Loans
             CHL Mortgage Pass-Through Certificates, Series 2005-31
                         Alternative Loan Trust 2005-31
          ------------------------------------------------------------

--------------------------------------------------------------------------------
                             COLLATERAL INFORMATION
--------------------------------------------------------------------------------

                                                            Total
                                                            -----
Prin balance       572,736,803.10   379,085,479.61   951,822,282.71
Loan count                   1517             1014             2531
Avg loan rate           6.108878%        5.958294%             6.05
Prepay amount        8,003,717.72     7,651,448.95    15,655,166.67

--------------------------------------------------------------------------------
                                FEES AND ADVANCES
--------------------------------------------------------------------------------

                                                            Total
                                                            -----
Master serv fees       178,987.07       118,178.96       297,166.03
Sub servicer fees       14,726.85         9,324.19        24,051.04
Trustee fees             4,348.04         2,895.92         7,243.96

Agg advances                  N/A              N/A              N/A
Adv this period         56,957.07        28,890.76        85,847.83

--------------------------------------------------------------------------------
                          LOSSES & INSURANCE COVERAGES
--------------------------------------------------------------------------------

                                                            Total
                                                            -----
Realized losses              0.00             0.00             0.00
Cumulative losses            0.00             0.00             0.00

Coverage Amounts                                            Total
----------------                                            -----
Bankruptcy                   0.00             0.00             0.00
Fraud               12,017,175.50     7,991,421.07    20,008,596.57
Special Hazard               0.00             0.00             0.00

                         Aggregate Certificate Information
   -----------------------------------------------------------------------------
   Class            Aggregate           Aggregate                     Aggregate
   Type            Percentage           Prepay Pct.              End Cert. Bal.
   -----------------------------------------------------------------------------
   Senior          100.000000%           100.000000%            965,861,119.94
   -----------------------------------------------------------------------------
   Junior            0.000000%             0.000000%                      0.00
   -----------------------------------------------------------------------------

--------------------------------------------------------------------------------
                          DELINQUENCY INFORMATION
--------------------------------------------------------------------------------
Period                             Loan Count    Ending Stated Balance
------                             ----------    ---------------------
30 to 59 days                          42                20,924,767.39
60 to 89 days                           8                 1,912,487.89
90 or more                              4                 1,419,824.13
Foreclosure                             0                         0.00

Totals:                                54                24,257,079.41
--------------------------------------------------------------------------------
--------------------------------------------------------------------------------
                                REO INFORMATION
--------------------------------------------------------------------------------
   REO Date        Loan Number     Ending Stated Balance          Book Value
   --------        -----------     ---------------------          ----------
   N/A              #                   0                            N/A
   N/A              #                   0                            N/A
   N/A              #                   0                            N/A
   N/A              #                   0                            N/A
   N/A              #                   0                            N/A
   N/A              #                   0                            N/A
   N/A              #                   0                            N/A
   N/A              #                   0                            N/A
   Totals:                              0                            N/A

Current Total Outstanding Balance:                                      0.00
Current Total Outstanding Number of Loans:                                 0
--------------------------------------------------------------------------------
                               OTHER INFORMATION
--------------------------------------------------------------------------------
                                  Amount/Withdrawal     Total/Ending Bal.
                                  -----------------     -----------------
Available remittance amount           18,574,198.05         18,574,198.05
Principal remittance amount           14,038,837.93         14,038,837.93
Interest remittance amount             4,535,360.13          4,535,360.13