住房置业担保：是指住房置业担保公司，在借款人无法满足贷款人要求提供担保的情况下，为借款人申请个人住房贷款而与贷款人签订保证合同，提供连带责任保证担保的行为。
第四部分(第三章)，论述了住房担保体系的构建。
The forth part is on the construction of housing guarantee institution.
申请人应到所屋住房资金管理中心填报《个人住房担保委托借款申请表》，并提供必要的审核材料。
Applicants should go to the housing estate funds management centres provide "individual housing loans secured by the application form," and to provide the necessary audit material.
个人住房贷款业务以其担保可靠、收益较高、风险易控等特点，倍受银行业的青睐。
Personal housing loan business by its earnings, reliable guarantee high risk, etc, to control the favour of banking industry.
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