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我国个人住房消费贷款对发展经济、活跃市场、使人民安居乐业有着十分重要的作用。但目前我国的房地产行业还需进一步规范。要完善个人住房消费贷款的法律体系,保障个人住房消费的正常运行,各级政府应该在国家有关部门已颁布的《担保法》、《贷款通则》、《个人住房贷款管理办法》等一些相关法规的基础上,尽快配套制定关于抵押贷款、保险的规定,规范完善房地产典当、拍卖市场,建立健全房地产交易的咨询机构、担保机构和仲裁机构。
China’s personal housing loans for the development of economy, active market, so that people live and work in peace and has a very important role. However, at present, China’s real estate industry needs to be further regulated. To improve the legal system of personal housing loans, to protect the normal operation of individual housing consumption, all levels of government should be in the relevant state departments have promulgated the “Guarantee Law”, “General Loans”, “Individual Housing Loans Management Measures” and some other relevant laws and regulations , As soon as possible supporting the formulation of the provisions on mortgage loans, insurance, standardize and improve the real estate pawn, the auction market, establish and improve the real estate transaction advisory body, guarantee agencies and arbitration institutions.