The so-called stock housing loan refers to the outstanding part of personal housing loan issued before the introduction of the new mortgage policy on June 27, 2008.

On June 27th, 2008, 10, the central bank announced that the lower limit of the interest rate of commercial personal housing loans was expanded from 0.85 times to 0.7 times of the benchmark interest rate. Before this policy, housing loans became "stock mortgages".

Storage room:

The so-called stock house refers to the house that has been purchased or built by itself and obtained the ownership certificate;

Compared with incremental housing, stock housing refers to new commercial housing invested by real estate developers, and stock housing is generally second-hand housing.