According to Baidu Encyclopedia, the first stock house refers to the first house that has been purchased or built by itself and obtained the ownership certificate. Commercial personal housing loans are self-operated loans issued by banks to natural persons who use their credit funds to buy, build or overhaul various types of housing in cities and towns. On the whole, it is the first commercial personal housing loan issued or signed by financial institutions but not issued.

Housing is a house where people can live, live or work. Housing is generally divided into individual housing, commercial housing, commercial and residential housing and so on.