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自“九五”期间，我国将房地产业作为国民经济新的增长点以来，房地产及住房金融受到了社会各界的普遍关注。从 1998年开始，面对疲弱的国内、外需求，作为积极货币政策的一部分，我国政府也在住房贷款方面采取了一系列鼓励政策，以达到刺激内需，实现国民经济持续、快速、健康
Since the Ninth Five-Year Plan period, since China took the real estate industry as a new growth point of the national economy, real estate and housing finance have drawn widespread public concern. Since 1998, in response to the weak domestic and foreign demand, as part of an active monetary policy, our government has also adopted a series of incentive policies on housing loans so as to stimulate domestic demand and achieve sustained, rapid and healthy national economy