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欧洲的住房资金政策为低收入阶层服务。加英、荷、法等国为低收入阶层设立可供抵押贷款服务的银行贷款,低息而且贷款期限长达33～66年。此外,还有由政府或与政府有关的非盈利机构,以至建设企业获得国家的财政资助,建设并管理社会住房项目。一般政府投入到住房社会项目的资金占其财政预算的3%～5%。每个家庭用于住房开支占家庭开支的25%～30%。
European housing finance policy for low-income class service. Canada, the Netherlands, France and other countries set up low-income class for the mortgage loan service bank loans, low interest rates and the loan period of up to 33 to 66 years. In addition, there are government-funded or government-related non-profit organizations, as well as construction enterprises, which receive state financial support for the construction and management of social housing projects. The funds that the general government invests in housing social projects account for 3% ~ 5% of its budget. Every household spends about 25% to 30% of their family expenses on housing.