The house invoice contract cannot be used for loans, and can only be used as proof of assets for loans. When applying for a loan, a property certificate is required for the mortgaged property.

A personal housing mortgage loan refers to a loan issued by a bank to a borrower to purchase a newly built house for self-use, which is commonly referred to as a "personal housing mortgage loan." The amount of a personal housing mortgage loan issued by a bank shall not be higher than 80% of the value of the house to be purchased as assessed by the real estate appraisal agency or the total actual purchase cost (whichever is lower).