个人住房贷款是用于支持个人在中国大陆境内城镇购买、大修住房而发放的贷款,目前国内银行主要实行抵押加阶段性保证的贷款方式,即通常所称“个人住房按揭贷款”,个人住房贷款发放的对象包括具有完全民事行为能力的中国公民,在中国大陆有居留权的具有完全民事行为能力的港澳台? Personal housing loans are used to support individuals in the cities and towns in mainland China to buy, overhaul of housing and loans issued, the current domestic banks to implement the main mortgage and additional guarantees of the loan, which is commonly referred to as “personal housing mortgage loans,” personal housing loans The objects distributed include Chinese citizens with full capacity for civil conduct, Hong Kong, Maucao that have the right of abode in mainland China and have full civil capacity.