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近年来，随着我国住房制度改革的深入，住房分配货币化开始取代福利分房。在国家政策鼓励下，住房金融业务的重心由支持住房开发建设开始向支持个人住房消费转移。在已开展的住房信贷品种中，商业银行自营性的住房抵押贷款因其可贷额度高，贷款发放限制条件少而成为最重要的住
In recent years, with the deepening of the reform of China’s housing system, monetization of housing allocation began to replace welfare housing distribution. Encouraged by national policies, the focus of the housing finance business has shifted from supporting housing development and construction to supporting individual housing consumption. In the housing credit varieties that have been carried out, self-operated housing mortgage loans of commercial banks have become the most important residential mortgage loan because of their high loanable amount and few loan issuing restrictions