国外住房金融政策具有典型性和代表性。有三种类型:一是美国的住房抵押贷款体系;二是德国的住房储蓄与抵押贷款相结合的综合体系;三是新加坡的住房公积金体系。 Foreign housing finance policy is typical and representative. There are three types: First, the United States housing mortgage loan system; second is a combination of housing savings in Germany and mortgage loans integrated system; third is Singapore’s housing accumulation fund system.