住宅金融具有两个基本属性。一个是它的经营性,住宅金融机构为住宅的建造、储存、买卖、投机等商业活动融通资金,并由此获利。二是政策性,住宅融资具有资金周转慢、占用金额大、回收期长、风险较大等特点,而解决居民的住房问题是一个政策性很强的问题,特别是解决中低收入家庭的 Residential finance has two basic attributes. One is its business operation, in which residential financial institutions make money by financing and financing commercial activities such as the construction, storage, trading and speculation of dwellings. Second, policy-oriented, residential financing with capital turnover is slow, the amount of large, long payback period, the risk of larger, and to solve the housing problem of residents is a policy-oriented issues, especially to solve the low-income families