论我国个人住房抵押贷款担保模式的选择

On the Mode of China's Mortgage Insurance System

个人住房抵押贷款担保是指由依法设立的机构或者组织为合格借款人申请高比例的个人住房抵押贷款而提供的一种信用担保行为,其主要功能是降低购房借款人的首付款比例。在我国个人住房抵押贷款担保体系的建设过程中,政府应当发挥主导作用,适时建立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。此外,政府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 signed a security contract with the lender for qualified borrowers applying for low down payment mortgages.Its main function is to provide credit support for qualified borrowers applying for low down payment mortgages.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.