Personal second-hand housing loan means a loan lent by bank to the borrower for it to purchase a personal housing or a commercial housing whose house property certificate the seller has acquired and which has a complete right of disposal and is legally traded in the secondary market.

　　个人二手房贷款是银行向借款人发放的用于购买售房人已取得房屋产权证、具有完全处置权利、在二级市场上合法交易的个人住房或商用房的贷款。

　　Any natural person having a complete civil capacity may apply for personal second-hand housing loan to the bank.

　　具有完全民事行为能力的自然人可向银行申请办理个人二手房贷款。