论我国个人住房抵押贷款担保制度及其完善

On China's Mortgage Insurance and its Perfect

在我国个人住房抵押贷款担保制度建设的过程中,政府一方面应当发挥主导作用,适时组建政策性个人住房抵押贷款担保机构,为广大中低收入者申请高比例的个人住房抵押贷款提供担保,以保障其基本的居住需求;另一方面还可根据住房市场发展的客观需要,鼓励、引导和扶持商业性个人住房抵押贷款担保的发展。

Mortgage insurance means that the institution or organization established by law provides credit support for qualified borrowers applying for low down payment mortgages,its main function is to lower the threshold for borrowers to buy houses.In the construction process of China＇s mortgage insurance,government should play a leading role,estabilsh policy-oriented mortgage insurance agency to provide low down payment mortgages insurance for middle-low income residents.In addition,government may encourage,guide and support the development of commercial mortgage insurance according to the actual needs of the housing market.