发展房地产市场，特别是住宅市场，是我国经济体制改革，以及到2000年实现小康的重要战略步骤、发展我国的房地产市场，就需要借鉴国外成功的经验和做法．本文试图通过介绍美国房地产市场的融资机制，为我国房地产金融的发展，解开我国房地产’发展的死结提供参考一、抵押贷款 The development of the real estate market, especially the housing market, is an important strategic step toward the reform of our economic structure and the realization of a moderately prosperous life by the year 2000. To develop the real estate market in our country, we need to learn from the successful experiences and practices of other countries. This article attempts to introduce the financing mechanism of the United States real estate market for China’s real estate finance development, unlock the real estate development of China’s death knot provide a reference mortgage loan