贷款买房只是近年来才逐渐为大多数老百姓所熟悉和接受的。但其真正进入实际操作只是在保险公司开办保证保险，银行发放个人住房担保贷款后。集团购买的逐渐退潮，住房消费市场出现萎缩。而个人住房担保贷款的开办，使个人购买成为现实，并逐渐支撑着住房消费的大半壁江山... Loans to buy a house only gradually in recent years for most people are familiar with and accepted. But its true entry into practice is that insurance companies run guarantee insurance and banks issue personal housing guarantee loans. Group buying gradually ebb, housing consumer market shrinking. The start of individual housing guarantee loans to personal purchase become a reality, and gradually support the housing consumption of most of the country ...