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随着福利分房制度的结束和住房分配货币化的实行，个人购房将成为新的消费热点。这为个人住房抵押贷款的进一步发展提供了契机。目前，虽然住房抵押贷款一级市场有较大发展，但作为一级市场有力支持的住房抵押贷款二级市场发展十分滞后，这无疑为住房抵押贷款债务的进一步发展
With the end of the welfare housing distribution system and the implementation of the monetization of housing distribution, individual purchase will become a new consumer hot spot. This provides an opportunity for the further development of personal home mortgage loans. At present, although there is a great development in the primary mortgage market, the development of the secondary market for mortgage loans, which is a strong support of the primary market, lags behind, undoubtedly for the further development of the mortgage loan debt