Revolving credit for personal housing: Revolving credit for personal housing refers to the revolving credit issued by the lender within the credit period and available credit line after the house is mortgaged to the bank for loan credit, and it can also be repaid with the loan.

Two. Legal Basis Article 33 of the Guarantee Law of People's Republic of China (PRC) The term "mortgage" as mentioned in this Law means that the debtor or a third party does not transfer the possession of the property listed in Article 34 of this Law, and takes the property as the guarantee of the creditor's rights.