当前个人住房贷款发展缓慢，原因是多方面和多层次的。对房改的深化程度，居民的收入水平和消费观念，银行经营中的难点以及个人住房贷款的法制环境等四个方面结合实际进行了分析，并在此基础上，从提高对个人住房贷款的认识，进一步深化城镇住房制度改革，加大宣传力度，切实解决银行经营中的难题，建立政府性担保公司，培育二级抵押市场和完善法律体系等方面，结合实际提出了解决个人住房贷款运行中的难点的具体对策和措施 The current slow development of individual housing loans, due to many and many levels. Based on the analysis of the deepening of housing reform, residents’ income level and consumption concept, the difficulties of bank operation and the legal environment of individual housing loans, on the basis of this, , Further deepen the reform of urban housing system, step up publicity efforts, and effectively solve the problems in bank management, the establishment of government-sponsored companies, foster secondary mortgage market and improve the legal system, combined with the actual proposed solution to the operation of individual housing loans Specific measures and measures of the difficulties