| Over a long time, Housing finance in china is mainly in these two ways--housingaccumulation fund loan and mortgage loan .It just focuses on the realization of the residents' consumption demand for the house , but ignores instructing the residents' investment from the angle of the housing investment . The developing process housing finance of the developed country has confirmed it is a real way to develop the housing industry by instructing consumption and investment. The author analyze the current situation of the housing financing model in China , especially in Dalian . The author suggest adopting 3 steps which based on the need of the current situation : In the short-term , focus on the housing accumulation fund , develop the housing savings, and attempt to carry out the loan security . In the mid-term, weaken the role of the housing accumulation fund , focus on the housing savings , and develop the loan security . In the long-term , housing savings will become the commercial savings, the housing loan security will be the main financial model. |
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