The People’s Bank of China adjusted the housing credit policies twice in 2015. Therefore，the demand of buying homes raise steadily，and the real estate market volume increased significantly. In this context，the mortgage loan achieved a steady growth，and besides，the interest rate showed a trend of decreasing. Looking forward to 2016，on the background of destocking，the government may continue to relax the housing credit policies，and the incremental of mortgage will remains high，with the interest rates continue to decline slightly.