建立个人住房贷款制度，是引导城镇居民家庭住房消费、实现住房贷款由开发性向消费性的转移、促进住宅业的发展，推进住房制度改革的中心环节，也是当前我国住房金融发展的核心内容。从目前我国住房金融发展的实际来看，个人住房贷款业务主要有两种，即政策性个人住房担保委托 The establishment of individual housing loan system is to guide the urban family housing consumption, housing loans to achieve from the development of consumer-oriented transfer, promote the development of housing industry, promote the reform of the housing system is the central link, but also the current development of China’s housing finance core content. From the current actual situation of housing finance in our country, there are mainly two types of personal housing loan business, namely, the policy of individual housing guarantee commission