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一、问题的提出及研究意义。随着社会主义市场经济的建立和全面建设小康社会的推进,普通居民的购房能力得到提高,房地产业得到持续发展,潜在的住房需求转化为现实的购买力。我国传统的住房分配制度退出了历史舞台,个人住房制度逐步走向商品化,按揭作为大多数人解决“住房梦”的方式在现实生活中
First, the question raised and research significance. With the establishment of a socialist market economy and the promotion of building a moderately prosperous society in all respects, the ordinary residents’ purchasing power has been enhanced and the real estate industry has been continuously developed. The potential housing demand has been transformed into a realistic purchasing power. China’s traditional housing allocation system has withdrawn from the stage of history, and the individual housing system has gradually become commercialized. As the way most people solve the “housing dream” in real life