Housing loans refer to loans granted by the bank to borrowers to facilitate housing purchases.

　　个人住房贷款是指银行向借款人发放的用于购买住房的贷款。

　　Housing loans are divided into housing loans on own account, housing loans on authorization¹ and combined loans.

　　个人住房贷款分为自营性住房贷款、委托住房贷款和组合贷款。