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目前，住房信用消费已成为我国金融机构正在发展的具有广阔前途的主要金融业务之一。银行贷款过去主要用于支持商品住宅的开发建设，而今后将逐步转变为支持商品住宅的消费及配套服务。以中国建设银行为例，从80年代末在广东江门市推行商品房信贷业务以来，累计已在340个城市对
At present, housing credit consumption has become one of the major financial businesses with broad prospects for the development of China’s financial institutions. Bank loans in the past mainly used to support the development and construction of commercial housing, and in the future will gradually shift to support the consumption of consumer housing and supporting services. Taking China Construction Bank as an example, since the commercial credit was launched in Jiangmen in the late 1980s, a total of 340 cities