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随着我国市场经济体制日趋完善,具有强烈计划经济色彩的福利分房淡出市场,个人住房制度逐步走向商品化、货币化,房地产业获得高速发展。商品房的高价值特征,迫使中国老百姓放弃自古以来形成自身积蓄购物的传统理念,转而向银行寻求资金帮助。按揭作为一种集买卖、担保、贷款、抵押于一身的融资形式,在现实生活中扮演着极为重要的角色。
With the maturing market economy system in our country, the welfare housing with a strong planned economy faded out of the market and the individual housing system gradually became commercialized and monetized. As a result, the real estate industry enjoyed rapid growth. The high value characteristics of commercial housing force the Chinese people to abandon the traditional concept of forming their own savings shopping since ancient times and instead seek the help of banks in seeking capital. As a form of financing that integrates trading, guarantee, loan and mortgage, mortgage plays an extremely important role in real life.