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美国的住房抵押保险采取政府保险和商业保险相结合的模式,但大部分住房抵押贷款都是由联邦政府提供保险,其特点如下: 1.成熟的政府保险机制。美国政府设立了“联邦住宅管理局”(FHA)和退休军人管理局(VA)进行此项工作,联邦住宅管理局建立“互相抵押贷款保险基金”,全面负责为个人住房抵押贷款提供保险,FHA提供的保险有十分严格的审查制度,申请者必须通过贷款房
The United States of America mortgage insurance to take the combination of government insurance and commercial insurance model, but most of the housing loans are provided by the federal government insurance, which are as follows: 1. Mature government insurance mechanism. The U.S. government has set up the Federal Housing Authority (FHA) and the Retired Service Authority (VA) to do the job. The Federal Housing Administration has set up a “mutual mortgage loan insurance fund.” It has overall responsibility for providing insurance for individual home mortgage loans. The FHA Insurance provided has a very strict censorship system and applicants must pass a loan room