This text aims at give correct arrangement and summary of the current detailed conditions of the ensuring house system in Hangzhou. Then combineing this with national condition and current situation, and refering to the experience of more complete system in foreign country, this paper will probe and sum up to provide target-oriented countermeasure and suggestion in order to offering help to the further completion of the ensuring house system of HangZhou, and also to provide some valuable reference to the setting-up of this system in other cities at the same time.