Study Of Housing Home Security System

The housing setting at industry guarantee, is the housing setting at industry bonding company which refers sets up legally, in the situation when the borrower is unable to satisfy the lender request to provide the guarantee, applies for the borrower who need individual housing loan but to sign the guarantee contract with the lender, provides the joint and several liability guarantee.The housing setting at industry guarantee system has the many and varied forms at different time. And it has many kinds of functions, this also is its can the intrinsic factor which and develops unceasingly in the existence. Mainly displays in following several aspects: 1st, has the housing safeguard function, meets the citizen individual housing need; 2nd, has the risk shift function, melts the bank housing loan risk; 3rd, has the real estate financing function, reduces the property developer burden; 4th, has the market regulation function, the promotion government regulates the goal realization.In order to seek one kind both to be able effectively to enhance people's actual purchasing power, satisfies the peoples' need of basically to live, and can effectively guard against and melt the bank credit risk, the housing setting at industry guarantee organization arises at the historic moment. On May 11,2000, The Ministry of Construction and the People's Bank of China had jointly issued "Housing Setting at Industry Guarantee Management Implementation Means", have established our country housing setting at industry guarantee system frame initially.But our housing setting at industry guarantee system has the enormous flaw in design, caused in the practical life of the housing setting at industry guarantee division of vertical. Hindered the function of the housing setting at industry guarantee system intrinsic effective long-term display.Compare and analyse America, Canada and Holand' s personal house mortgage loan hypothecation, we can see there are many advantages for our country's system.The author believed that, to construct and consummate our country housing setting at industry guarantee system need to begin from following several...