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我国住房制度正处于计划经济与市场经济并存、单位福利制分房与个人购买住房相结合的双轨制时期。为促进住房制度改革，自1986年起相继开办了个人往房贷款业务，但十年推行的实际效果甚微。究其原因，既有体制上的弊端，又有政策上的问题，既有客观方面的因素，又有主观人为的
China’s housing system is in a dual-track system in which a planned economy and a market economy coexist, and the unit welfare system and individual purchase of housing are combined. In order to promote the reform of the housing system, personal home loan businesses have been launched since 1986, but the actual effect of the 10-year implementation is minimal. The reason, both the drawbacks of the system, there are policy issues, both objective factors, there are subjective and artificial