住宅是一种特殊的商品,具有较高的价值和生产周期,因此常常难以形成“一手交钱,一手交货”的普通消费方式。综观世界上住宅问题解决得比较好的国家,无不借助于金融的力量,来促进住宅自有化和住宅业的发展。而各国住宅金融体制的不同,如住宅金融机构的设置、抵押贷款工具的 Residential is a special commodity, with high value and production cycle, it is often difficult to form a “one-handed payment, first-hand delivery,” the general mode of consumption. Looking at the world’s housing problems solved better country, all with the help of financial power to promote home ownership and residential development. The different countries, the financial system of housing, such as residential financial institutions set up, mortgage loan tools