由于我国房地产市场的繁荣以及个人住房抵押贷款的不良贷款率低,风险小的原因,个人住房抵押贷款已经成为各商业银行的主要资产业务。但随着我国个人住房抵押贷款余额快速增加,个人住房抵押贷款不良率也开始不断上升。本文主要分析了个人住房抵押贷款中的风险,并提出了相关的法律对策。 Due to the prosperity of China’s real estate market and the low rate of non-performing loan of individual housing mortgage loans and the low risk, individual housing mortgage loans have become the major asset businesses of commercial banks. However, with the rapid growth of the balance of personal home mortgage loans in China, the non-performing loan rate of personal home mortgages has also started to rise continuously. This article mainly analyzes the risks in personal housing mortgage loans and puts forward some legal countermeasures.