Personal house purchase loan means a loan lent by bank to the borrower for purchasing a self-used common housing.

　　个人购置住房贷款是指银行向借款人发放的用于购买自用普通住房的贷款。

　　The prospective¹ borrower of personal housing loan should be a natural person having a complete civil capacity.

　　个人购置住房贷款对象应是具有完全民事行为能力的自然人。