The People’s Bank of China adjusted the housing credit policies in 2014，especially relaxed the policy for the demand of buying homes as their second one. Although，the real estate market volume declined significantly，the mortgage loan achieved a steady growth. Besides，the interest rate showed a trend from rise to down，and the asset quality declined slightly. Looking forward to 2015，the government may continue to relax the housing credit policies，and the incremental of mortgage loan will rise，with the interest rates continue to decline.