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随着我国住房制度改革的深化,住宅商品已被越来越多的城镇居民所接受。要保障住宅市场的健康顺利发展,除设立住房公积金制度为住宅建设提供一个长期稳定的资金来源外,同时,还需积极发展住房金融,为城镇居民购买商品住宅提供更广泛、更雄厚的资金基础。最近,中国人民银行颁布的《个人住房担保贷款管理试行办法》,为更多的城镇居民购房创造了条件。该《办法》第四章第三条明确规定:在商业银行
With the deepening of the reform of China’s housing system, residential commodities have been accepted by more and more urban residents. To ensure the healthy and smooth development of the housing market, in addition to establishing a housing provident fund system to provide a long-term and stable source of funds for housing construction, we must also actively develop housing finance and provide a broader and more abundant capital base for urban residents to purchase commercial housing . Recently, the Pilot Measures for the Administration of Mortgage Loans for Individual Housing promulgated by the People’s Bank of China has created the conditions for more urban residents to purchase houses. Article III of Chapter IV of the “Measures” clearly stipulates: In commercial banks