Currently, some defects exist in the qualitative methods of commercial bank individual housing loan risks. Based on the establishment experiences of personal credit scoring at home and abroad, we constitutes quantitative controlling model of commercial bank individual housing loan risk by choosing 19 indicators in 5 subsystems to form personal credit scoring index system, introducing fuzzy consistent estimate matrix, and using FAHP(Fuzzy Analytic Hierarchy Process) to determine the importance of indicators. The personal credit scores and grades can be determined by using this model, that is the personal credit rating of the loans which can be divided into seven different credit rating from AAA to C by the score, and the commercial banks give different Mortgage policy based on the credit-scoring results to the applicants.