Family consumption is important to steady demand and promote the development of economic. With the adjustment of economic structure in our country

the focus of economic development is promoting domestic demand. Expanding and stimulating household consumption is objective demand to promote the change of economic development way. With the development of real estate

housing loans are rising. We need research housing loans’ influence on family consumption. This paper uses data from June in 2016 to December in 2018 to do empirical test. The result shows that rising family loans have positive influence on expanding family consumption

especially durable goods consumption. The development of housing loans will not lead to low development of family consumption. Being based on the premise of regulating and controlling the development of real estate market

the government should lead healthy development of housing credit market and promote stable growth of family consumption.