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个人住房担保贷款是指借款人或第三者以所购住房和其他具有所有权的财产作为抵押或质押物，或由第三者为其贷款提供保证，并承担连带责任的贷款。借款人到期不能偿还贷款本息的，贷款银行有权依法处理抵押物或质押物，或要求保证人承担连带偿还本息的责任。个人住房担保贷款是
Personal housing secured loans refers to borrowers or third parties to purchase the housing and other property ownership as collateral or pledge, or by a third party to provide guarantees for their loans, and bear joint and several liability loans. If the borrower fails to repay the principal and interest of the loan due, the lender has the right to deal with the collateral or pledge according to law, or require the guarantor to bear the joint and several liability for repayment of principal and interest. Personal housing secured loan is