Personal housing loan is the most important product in personal loan business in various countries, and it is also the earliest and largest personal loan product in China. At the same time, candidates should also be familiar with the following contents: domestic personal housing loans originated in the early days of reform and opening up and originated from the reform of urban housing system. In the first few years of housing loan business, the business developed slowly because the market has not yet formed universal demand. The real rapid development of individual housing loans should be marked by 1998 housing system reform and the "Measures for the Administration of Individual Housing Loans" promulgated by the People's Bank of China.