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世界各国住宅金融体系基本上有三种类型， 一种是抵押式住宅金融体系； 一种是互助储蓄式住宅金融体系；还有一种是强制性储蓄的住宅金融模式。这三种体系存在着千差万别， 但也具有许多共同的特点，分析和研究各国住宅金融的这种共性与特色，对于我们建立具有中国特色的住宅金融体系有着十分重要的意义
There are basically three types of residential financial systems in the world. One is a mortgage-type residential financial system; the other is a mutual-aid residential-type financial system; and another is a residential financial model with compulsory savings. There are many differences between the three systems, but they also have many common features. Analyzing and studying the commonalities and characteristics of residential finance in various countries is of great significance for us to establish a residential financial system with Chinese characteristics.