Stock houses refer to houses that have been purchased or built by themselves and obtained ownership certificates, as opposed to incremental houses. Incremental housing refers to newly-built commercial housing invested by real estate developers, and stock housing generally refers to second-hand housing that has not lived, which is commonly called "inventory for sale" property.

Simply put, public stock houses refer to second-hand houses invested, built and sold by the government and state-owned enterprises and institutions.

Is to use the mortgaged money to buy a second-hand house for the employees of the unit.