The Analysis Of The Housing Savings Pattern And Its Application Prospect In China

More than 10 years' development of housing savings in China,relative to China's real estate market in recent years and the development and demand of housing financial services,its network layout,total assets,support and other aspects are indicated that the development of housing savings in China is slow,but from the theoretical point of view,housing savings in China should have a lot of room for development.Therefore,this paper analyzes the causes of the slow development of housing savings in China,and analyzes its application prospects in China and the feasible way to promote its development.On the basis of summarizing the existing literature,this paper analyzes the characteristics of the housing savings,and compares the advantages and disadvantages of the housing savings with the housing accumulation fund and the commercial housing mortgage loan,analyzes the application prospect of the housing saving model in macro and micro respectively.Then,make an empirical analysis on the application prospect of the housing saving model in China,that is,to survey the residents 'willingness to accept housing savings and to analyze what factors affect the residents' willingness to accept housing savings.Then,make an empirical analysis on the application prospect of the housing saving model in China,that is,to survey the residents 'willingness to accept housing savings and to analyze which factors affect the residents' willingness to accept housing savings.The results show that residents' awareness of housing savings and the degree of residents' appreciation of government housing savings have a significant positive impact on residents' willingness to accept housing savings.The housing saving model is attractive to low-May be affected by the housing savings model fixed low interest rates,low-income people are more willing to accept the housing savings model;have different buyers plan respondents in the housing savings will also have significant differences,there are long-term purchase plan of the residents are more willing to accept the housing savings.Based on the empirical analysis,finally analyze the development of Sino-German Bausparkasse in China and puts forward the development suggestion.The conclusion is that the housing savings model is not only beneficial to the housing financing needs of middle and low income people,the product system is also able to meet the housing needs of different housing plans residents,it has huge application prospects.