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今年4月28日,中国人民银行发布了《个人住房担保贷款管理试行办法》,该《办法》为居民住房消费贷款提供了条件。个人住房担保贷款是指借款人或第三人以所购住房和其他具有所有权的财产作为抵押物或质押,或由第三人为其贷款提供保证,并承担连带责任的贷款。
On April 28 this year, the People’s Bank of China promulgated the “Trial Measures for the Management of Personal Housing Secured Loans”, which provides the conditions for residential consumer loans. Personal housing secured loans refers to the borrower or a third party to purchase the housing and other property ownership as collateral or pledge, or by a third party to provide guarantees for their loans, and assume joint and several liability loans.