Abstract: The Subprime Crisis warn us to re-understand the individual housing mortgage loan default risks, at this stage, China’s commercial banks have issued a large number of individual housing mortgage loans, then what are the factors that default individual housing mortgage loans have a significant impact , the problem is to be studied in depth. In the field of basic research , this paper used 637 sets of data , analyzed the impact on our country individual housing mortgage loan default risk factors. Results Show the higher the level of education of borrowers, the higher level of job stability and monopoly, the lower default rates; the greater the area of housing purchase, the higher the ratio of monthly loan repayment amount and household income,the higher default rates; locals than outsiders of high default rates; borrowers purchase existing houses than future houses have high default rates. A greater impact on the default factor, followed by housing area, on the repayment amount of household income ratio, whether future houses, level of education. 

Key words: individual housing mortgage loan, default risk, empirical analysis