Personal housing loan refers to the loan issued by the bank to the borrower for purchasing ordinary housing for personal use. The borrower must provide a guarantee when applying for a personal housing loan. At present, personal housing loans mainly include entrusted loans, self-operated loans and portfolio loans.

(1) Entrusted loans for individual housing refer to loans granted by banks to individuals who purchase ordinary housing with housing provident fund deposits as the source of funds according to the specified requirements. Also known as provident fund loans.

(2) Personal housing self-operated loans are loans granted to individual buyers with bank credit funds as the source. Also known as commercial personal housing loans, the loan names of banks are different. China Construction Bank is called individual housing loan, and Industrial and Commercial Bank and Agricultural Bank are called individual housing guarantee loan.

(3) Personal housing portfolio loan refers to the loan granted to the same borrower for the purchase of self-occupied ordinary housing based on the housing provident fund deposit and credit funds, which is a combination of personal housing entrusted loan and white camp loan. In addition, there are housing savings loans and mortgage loans.