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1 开展个人住房抵押贷款的意义第一,有利于启动房地产市场。发展住房信贷从目前情况看发展住房消费信贷比发展住房开发信贷更为合理,前者形成或放大住房需求,后者形成或扩大住房供给。前几年我国房地产信贷的90%以上投放到生产环节,对住房消费信贷注入甚微,对个人住房抵押贷款额度更小。这种结构割裂了住房供给和住房需求,使住房供给在现阶段大
1 to carry out the meaning of personal housing mortgage loans first, is conducive to start the real estate market. The development of housing credit From the current situation, it is more reasonable to develop housing consumer credit than to develop housing development credit. The former forms or enlarges housing demand, while the latter forms or expands housing supply. A few years ago, more than 90% of China’s real estate credit was put on the production chain, injecting little into housing consumer credit and making a smaller amount of personal home loan. This kind of structure separates housing supply and housing demand, making housing supply large at this stage