我国不少大中城市都开办了住房按揭业务,按揭逐渐成为人们生活中融资购房的重要方式。因此,对商品房按揭制度进行进一步的探究,使其在社会生活中发挥更大的作用,是一件非常必要且有意义的工作。 Many large and medium-sized cities in our country have opened housing mortgage business and the mortgage has gradually become an important way to finance the purchase of housing in people’s life. Therefore, to further explore the mortgage system of commercial housing and make it play a greater role in social life is a very necessary and meaningful work.