中新网贵阳7月26日电(记者杨茜)7月26日，在生态文明贵阳会议城乡规划论坛上，美国资深生态城市住房专家和咨询顾问罗伯特 奎西尔表示，个人持有保障型住房比租凭更具有可持续发展性。

Beijing on July 26, guiyang(Reporter YangQian)July 26,，Ecological civilization in guiyang meeting on urban and rural planning BBS，Senior United States ecological city housing experts and consultants Robert silvia Krishna said，People hold more than the rental housing safeguard model with sustainable development。

　　此次罗伯特 奎西尔的演讲主题为：城市可持续包容性增长：美国保障型住房经验及教训。罗伯特 奎西尔说：如果做得好，保障型住房自有是可持续发展重要的组成部分。他提出，保障型住房对于中低收入人群而言，在为其提供住所的同时，也建立起创造财富的机会，能使社区更加稳定。

The Robert Krishna the topic of the speech for the seals：Urban sustainable inclusive growth：The United States housing safeguard model and teaching experience。Robert silvia Krishna said：If done right，Housing safeguard model has its own sustainable development is an important part。He proposed，Housing safeguard model for low-income people in character，Provide homes for them at the same time，Also built the opportunity to create wealth，Can make community more stable。

　　罗伯特 奎西尔认为，为帮助低收入个体家庭，需要更低的借贷成本，比如更低的利率，更低的按揭要求，或是要求开发商提供更多低价住房单元。为保证在借贷过程中借、贷双方的利益，需引进第三方进行抵押债务风险管理，由代理机构承担一段时间拖欠债务的风险。

Robert Krishna that seals，To help low-income individuals family，Need to lower borrowing costs，Such as lower interest rates，Lower mortgage requirements，Or ask to develop business to offer more low-cost housing unit。To guarantee the loan process borrow、Credit the interests of both parties，Introduction to third party for mortgage debt risk management，By the agency for a period of time the risk of default on their loans。

　　关于个人持有保障型住房，罗伯特 奎西尔认为，首先这能强制人们存钱，比租房花钱少，这是一项可以自住的投资，并且这项投资具有可持续性；但是这需要通过长期时间才能起作用，同时贷款也要具有可持续性。

About individual hold safeguard model housing，Robert Krishna that seals，First of all this will force people to save money，Less than rent money，This is a can of investment from live，And this investment sustainable；But this need through the long time to work，At the same time loans will have sustainability。