1, loan to buy a house. The most common use of personal housing mortgage loan is to buy a house. Individuals mortgage new commercial houses or second-hand houses to banks, and CCB pays the remaining money to real estate agents on behalf of individuals, and then individuals repay loans owed to banks by mortgage. Personal mortgage loan is used to buy a house. As long as there are real estate mortgages and personal information, it is relatively difficult to obtain loans, so it is more likely to obtain loans from China Construction Bank.

2. Loan to buy a car. Similar to buying a house, individuals can apply for loan support from China Construction Bank without buying a car in full. However, because the car will depreciate, they can't use the car they bought as collateral. They need to use their personal property as collateral and get loan support from China Construction Bank. Generally, the term of car loan is 5 years, and the CCB loan is paid off in 5 years. The personal mortgaged property is still owned by individuals.

3. run a business. It is also a common way for individuals to mortgage their real estate in China Construction Bank to obtain personal mortgage loans provided by banks, including individual industrial and commercial households, self-employed households and small and medium-sized enterprises. The above borrowers can obtain financial support for their business needs, use their own real estate as collateral, and obtain loan support provided by China Construction Bank for individuals. Generally, the loan amount obtained by personal property mortgage loan is equal to the value of mortgaged property. If large enterprises need to use a large amount of funds, ordinary commercial housing mortgage generally can not get the same amount of loan support.