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以个人住房抵押信贷制度为引导，扶持住房消费，是培育住房产业成为消费热点和经济增长点的一个关键问题。目前，我国中低收入的居民在城镇居民中占大多数，个人住房抵押贷款应走近普通消费者，为他们服务。但个人住房抵押贷款在实际执行中，贷款机构为了加快资金周转，确保资?
To personal housing mortgage credit system as a guide to support housing consumption is to cultivate housing industry has become a consumer hotspot and economic growth point of a key issue. At present, the residents of low and middle income in China account for the majority of urban residents, and individual housing mortgage loans should be approached and served by ordinary consumers. However, in the actual implementation of personal housing mortgage loans, lenders in order to speed up the flow of funds to ensure funding?