Research On The Problem Of Mid-low Income Family Housing Finance

In recent years China house's prices shows a continuous rising trend that the income gap is widened and the mid-low income families are facing an increasingly serious housing problem. The mid-low income family housing finance would be of importance for housing finance development. It would play a very important role in solving the housing problem for mid-low income families.This paper analyses the present financial situation of the ability to afford the personal houses among the mid-low income families, and then studies the problems of existence and cause of formation. By introducing the housing finance development experience of United States, Singapore, Britain and other countries, we obtain some useful experiences in the housing financial development such as the functions of governments; the diversification of the housing finance; consummate law regulations. Meanwhile, we realize potential risks such as excessive asset securitization; and governments support for housing finance is not flexible. The housing needs and capital gap of China mid-low income housing development will be predicated with the model, we also point out the structure of the China mid-low income family housing finance development, and relevant development strategy is also pointed out, such as setting up mid-low income family credit system, founding housing insurance system, encouraging the development of housing assurance, setting up specialized housing financial organization, and developing secondary market etc. As well as found an exterior environment which would favor the development of mid-low income family housing finance.