住房贷款担保难以落实是制约住房贷款发展的重要因素，银行对抵押方式心存顾虑，同时，办理抵押时手续烦琐， 登记和评估收费不合理， 使众多借款申请人丧失积极性。现阶段我国应在保证担保方式上进行探索：一是推动政府支持的专业担保公司的发展； 二是大力开展住房贷款信用保险。以这两种保证方式促进住房贷款的手续简化、期限延长， 降低贷款风险， 从而加速住房贷款的发展，促进住房消费。 Difficult to implement the guarantee of housing loans is an important factor restricting the development of housing loans, banks have trouble with the mortgage method, while handling the mortgage procedures cumbersome, registration and evaluation fees unreasonable, so many borrowers lost their enthusiasm. At this stage, China should explore ways to guarantee the guarantee: First, to promote the development of government-backed professional guarantee companies; second, vigorously carry out credit insurance for housing loans. With these two guarantees to facilitate the procedures for housing loans to simplify, extend the deadline to reduce the risk of loans, thereby accelerating the development of housing loans and promote housing consumption.