我国住房抵押贷款创新研究

Study on Housing Mortgage Loan in China

我国住房抵押贷款创新包括两方面的内容在政策创新上,应深化住房制度改革,发展政府担保,建立个人信用制度,建立住房抵押二级市场,加快相关立法在技术创新上,应完善现有的住房抵押贷款方式,推广差额还贷方式,创新住房抵押贷款品种。

There are two aspects in innovation o f housing mortgage loan in China.In t he aspect of policy inno-vations,deepening housing system r eform,developing government guara ntee,establishing system of person al credit,constructiry secondary market of housing mortgage,speeding up bulidin g of relevant laws are included.In th e as-pect of technical innovations,impr oving the current way of housing mortgage loan,popularizing the balance payment of loan,originating the varieties o f housing mortgage loan should be pro moted.