Housing loans refer to loans granted by the bank to borrowers to facilitate housing purchases. 个人住房贷款是指银行向借款人发放的用于购买住房的贷款。 a. [8 y8 K8 ^# c Housing loans are divided into housing loans on own account, housing loans on authorization and combined loans. " |5 \7 r( ~" m: g( | 个人住房贷款分为自营性住房贷款、委托住房贷款和组合贷款