我国的住房消费信贷正进入一个快速发展阶段 ,且有很大的发展空间。今后的发展不能再立足于放宽贷款条件——首付款、期限、利率等方面 ,而应在培养持续、稳定的消费心理 ,推出形式多样的住房贷款品种等 China’s housing consumer credit is entering a stage of rapid development, and there is great room for development. Future development can no longer be based on the relaxation of loan conditions - down payment, deadlines, interest rates and other aspects, but should cultivate a sustained and stable consumer psychology, the introduction of a variety of forms of housing loans, etc.