近年来，我国一些金融机构相继推出的住房抵押贷款业务，对于提高广大居民对住宅的支付能力、推动住宅的商品化进程，培育住宅这一新的经济增长点，起了一定的作用。同时，由于抵押贷款中诸多风险因素的存在，也严重地制约了其业务的进一步扩大。本文试从借款人、银行及抵押物 In recent years, some mortgage-backed businesses launched by some financial institutions in our country have played a certain role in enhancing the residents’ ability to pay for residential houses, promoting the commercialization of residential houses and fostering residential houses as a new economic growth point. At the same time, due to the existence of many risk factors in the mortgage loan, it has also severely restricted the further expansion of its business. This article from the borrower, bank and collateral