政策性住房抵押贷款的风险与防范杨学锋，温泉住房资金管理机构带放的个人住房抵押贷款是一项政策性的委托贷款，它采取住房抵押和第三方（法人）保证相结合的担保方式，按规定发放给借款人。贷款的资金来源主要是住房公积金。住房公积金是一种义务性的住房长期储金，旧交... Risks and Prevention of Policy-oriented Housing Mortgage Loans Yang Xuefeng, Wen Quan The personal housing mortgage loan put by the housing fund management institution is a policy-based entrusted loan. It adopts the guarantee method of combining the mortgage of a home with the guarantee of a third party Provisions issued to borrowers. The source of funding for loans is mainly housing provident fund. Housing provident fund is a kind of obligatory housing long-term savings, old pay ...