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。4 j) o, c. j* a1 _% A' o
Housing loans are divided into housing loans on own account, housing loans on authorization and combined loans./ d: B$ ]0 [& Z4 T+ n
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