自1998年银行对个人房贷放开,住宅商品化真正启动,住宅与分配、福利的距离越来越远,市场化程度越来越高。2003年,国务院颁布了18号文件,对地产给予了“健康、稳定”的肯定,而党的十六届三中全会,又对“保护个人财产”提出了立法议程,从计划分配到商品化,从无产权到有产权,居民 Since the bank liberalized individual mortgages in 1998, the commercialization of housing has really started, and the distance between housing and distribution and welfare has become increasingly farther apart and the degree of marketization has become higher and higher. In 2003, the State Council promulgated Document No. 18, affirming “health and stability” in real estate. The Third Plenary Session of the 16th CPC Central Committee also proposed a legislative agenda for “protecting personal property”, from planning distribution to commercialization , From the property rights to property rights, residents