《个人住房贷款管理办法》的颁布和实施，对推动房改，实现住房商品化起到了一定的作用，但实际运行效果并不十分理想：银行贷款热情不高，居民储蓄屡创新高，购房居民面对苛刻的条件、繁杂的手续也只能说声“想说爱你不容易”。究竟如何才能走出当前个人住房抵押贷款的困境呢 The promulgation and implementation of the “Measures for the Management of Individual Housing Loans” played a certain role in promoting housing reform and realizing the commercialization of housing. However, the actual operating results were not very satisfactory: the enthusiasm of bank loans was not high, household savings hit record highs, On the harsh conditions, complicated procedures can only say “want to say love you is not easy.” How to get out of the plight of the current individual housing mortgage loans