随着住房分配货币化逐步取代福利分房，各家商业银行为迎合客户所需，都适时地推出了个人住房信贷业务，制订了不少促进个人住房贷款优惠政策，并纷纷进行有关住房贷款的咨询宣传，但个人住房贷款并未“热”起来，原因何在呢？笔者通过调查分析，认为有以下几个方面原因：... With the monetization of housing distribution gradually replacing welfare housing, various commercial banks have timely launched individual housing credit business in order to cater to the needs of customers. They have formulated many preferential policies to promote individual housing loans, and have carried out relevant housing loans one after another. Consultation and publicity, but personal housing loans have not been “hot”. What are the reasons? The author through the survey and analysis, that there are several reasons: ...