住房自有化即鼓励居民自建、自购住房，它是世界各国解决居民住房困难的有效手段。本文拟对海外有关住房自有化的政策、居民购建住房的资金来源及住宅抵押贷款等作一介绍，以期对我国住房制度改革提供借鉴和参考。一、住房自有化政策国际比较原联邦德国战后面临着居民住房严重 Self-built housing to encourage residents to self-build, since the purchase of housing, it is all countries in the world to solve the housing difficulties, an effective means. This article intends to introduce overseas policies on housing self-ownership, sources of funds for residents to buy and build housing and residential mortgage loans, in order to provide reference for the reform of China’s housing system. First, the international comparison of housing self-regulation policy The former Federal Republic of Germany faced serious housing dwellings after the war