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住房抵押贷款领域是住房金融体系中的重要组成部分。对个人提供住房抵押贷款的市场称为初级住房抵押市场，它担负着为个人购房者贷款融资的职能。一般而言，次级住房抵押市场是住房抵押证券 (Mortgage－ Backed Securities， MBS）的交易市场。美国 1934年在联邦住房法第三款中
The real estate mortgage loan sector is an important part of the housing finance system. The market for providing home-equity mortgages to individuals is called the primary mortgage market and carries the function of financing home-buyer loans. In general, the sub-prime mortgage market is the market for Mortgage-Backed Securities (MBS). The United States in 1934 in the federal housing law in the third paragraph