我国的房产按揭在发展的过程中因缺乏规范和法制理论的指导而存在诸多问题,住房按揭市场急需要规范化和法制化。本文以美国的按揭市场机制为参考,对比分析我国按揭市场的现状,提出了立法建议。 In the process of development, there are many problems in the development of real estate mortgage in our country because of the lack of norms and the guidance of the legal theory. The housing mortgage market urgently needs to be standardized and legalized. In this paper, the United States mortgage market mechanism as a reference, comparative analysis of the status of China’s mortgage market, put forward legislative proposals.