由单位出面来组织员工集资建房,早已是司空见惯的寻常事。但由老百姓个人来集资买地造房,理想还是空想?在越来越多的人质疑畸形的高房价和房产泡沫甚嚣尘上的今天,个人集资造房犹如一缕清风吹向了偏倚的楼市。这对中国房地产业构成了怎样的冲击?这对相关政策构成了怎样的考验? By the unit to come forward to organize staff to raise funds for housing, has long been commonplace commonplace. However, the ordinary people to raise funds to buy a house, the ideal or fantasy? More and more people questioned the abnormal high housing prices and the real estate bubble is rampant today, as a ray of money to build a house breeze blowing the property market bias. How does this impact on the real estate industry in China and what kind of tests this policy has on the economy?