1. Family loans are housing loans, and personal housing loans refer to loans issued by banks to borrowers for purchasing ordinary houses for their own use.

2. The borrower must provide guarantee when applying for individual housing loan. Personal housing loan business is one of the main asset businesses of commercial banks. He refers to the loans granted by commercial banks to borrowers who buy houses for the first time (that is, houses developed and built by real estate developers or other qualified developers and sold to individuals).