一、我国现行住房抵押贷款概况始于1986年的住房抵押贷款，在我国的各商业银行已悄然兴起，并取得了一定的社会效益，促进了住房商品化的进程。目前，我国的住宅抵押贷款大致有两种：一是私人购房普通抵押贷款，二是储贷结合的私人购房抵押贷款。私人购房普通抵押贷款。这种抵 First, an overview of China’s current housing mortgage loans Housing mortgage loans began in 1986, all commercial banks in China have quietly risen, and achieved some social benefits, and promote the process of housing commercialization. At present, there are basically two kinds of residential mortgage loans in our country: one is ordinary private purchase of private mortgages, and the other is private purchase mortgage loan combined with savings loans. Private housing ordinary mortgages. This arrived