杭州市高中低收入家庭住房条件差距很大,原因是中低收入家庭的住房保障面缺乏深度和广度、缺乏完整的住房法律制度和住房金融制度作支撑、缺乏专门的住房保障机构。因此,建议形成多层次的中低收入家庭住房保障体系,完善其现有的住房保障政策法规和住房金融制度,成立相应的住房保障机构。 There is a wide gap between the housing conditions of high school and low-income families in Hangzhou. The reason is that there is a lack of depth and breadth of housing support for low and medium-income families, lack of a complete housing legal system and housing finance system, and lack of specialized housing guarantee institutions. Therefore, it is suggested to form a multi-level housing security system for low- and middle-income families, improve their existing housing security policies, regulations and housing finance system and set up appropriate housing security agencies.