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 authorization 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。