Second-hand housing loan refers to the loan business in which the buyer uses the house traded in the secondary housing market as collateral, applies for a loan from the bank to pay the purchase price, and then the buyer pays the principal and interest to the bank in installments. Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development; At the same time, banks can also obtain loan interest income and increase their own accumulation. ?