中低收入者住房金融的国际经验与借鉴

由于各个国家历史背景、基本国情不同,各个国家在实践中形成了各有特色的中低收入者住房金融制度。由于拥有世界上最发达的资本市场,美国在中低收入者住房金融方面建立了完备的住房抵押贷款市场;新加坡住房金融是一种强制储蓄模式,包括中低收入群体在内,核心政策是推行住房公积金制度;在德国,主要通过社会福利房、住房合作社、住房互助储蓄信贷银行等方式来解决中低收入者的住房金融问题;在英国,住房抵押贷款是许多中低收入购房者的重要资金来源。

The International Experience for Mid and Low-income Housing Finance

As the historical backgrounds and the basic conditions are different in various countries which have formed a unique low-income housing finance system in practice.The United States has built a complete mortgage market for low-income because of its developed capital markets.Singapore housing finance is a compulsory saving modes which including low-income groups.The core policy is to implement housing fund.In Germany,they solve the financial problems of low-income people mainly through the social welfare housing,housing cooperatives,mutual savings and credit banks.In the United Kingdom,Many low-income buy houses through mortgage loans.