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我国的住房抵押贷款市场开始于1987年,截止到2003年9月底住房贷款余额已达12000亿元。我国现阶段的住房消费贷款由住房公积金贷款和商业性住房贷款两部分所组成。住房公积金模式是指政府凭借国家的权威和法规,强制性地要求将民众工资收入的一定比例定期存入指定的金融机构或特
China’s housing mortgage loan market began in 1987, ending in September 2003 the balance of housing loans reached 1.2 trillion yuan. China’s current stage of housing consumer loans from the housing provident fund loans and commercial housing loans composed of two parts. Housing provident fund model refers to the government by virtue of the state’s authority and laws and regulations, mandatory requirements of the public wage income of a certain percentage of regular deposit in designated financial institutions or special