关键词: 住房按揭贷款, 家庭, 消费结构

Abstract: It is one of the most important financial behaviors in consumption that household purchases house by home mortgage loans. Through “push-out effect” and “compensation effect”, home mortgage loans affect household consumption behavior and change the consumption structure. The empirical analysis result of Quantile Regression shows that with the demand rigidity differences between consumption items, “push-out effect” and “compensation effect” affect household consumption structure differently at different significant levels. Totally, during the current period, the change of household consumption structure is heavily affected by home mortgage loans.

Key words: Home Mortgage Loans, Household, Consumption Structure