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The housing common reserve fund system is the our country housingsystem reform important content and the center link, its essence isone kind of housing safeguard system, also is the housing assignmentcurrency one kind of form, simultaneously or improves the citiesresidential building condition under the socialist market economycondition the effective way. More than ten for years, the our countryhousing common reserve fund system basic establishment, the scaleunceasingly expands, is advancing the housing system reform, speeds upaspect and so on cities housing construction, has played the vitalrole. Simultaneously each place used the housing common reserve fundto solve a part of cities inhabitants' accommodation, many citiesoccupied the civil housing common reserve fund loan to purchase thehousing, the housing conditions were improved. This article first anddeveloped two aspects from the present situation to begin to show ourcountry housing common reserve fund system present situa