1 1 16.23 yuan. Personal housing loan refers to the loan issued by the bank to the borrower for the purchase of ordinary housing for personal use. The borrower must provide a guarantee when applying for a personal housing loan. Personal housing loans mainly include entrusted loans, self-operated loans and portfolio loans. Entrusted loans Personal housing entrusted loans refer to loans granted by banks to individuals who purchase ordinary housing as required, and the source of funds is housing provident fund deposits. Also known as provident fund loans.