个人住房公积金抵押的商业性住房贷款制 ,就是将债务人的个人住房公积金或债务人以外第三人等个人住房公积金归集起来 ,作为债权人的抵押物 ,而取得债权人按住房商业性利率的贷款。试行个人住房公积金抵押的商业性住房贷款制属首创。它既不同于现行的个人申请住房公积金的政策 Personal housing provident fund mortgage commercial housing loan system, is the debtor’s personal housing provident fund or third-person personal debtor and other personal housing accumulation fund collected as a creditor’s collateral, and obtain creditors according to the housing commercial interest rate loans. Commercial housing loans trial of individual housing provident fund mortgage system is the first. It is different from the current individual application for housing provident fund policy