银行或其他金融机构向贷款人发放的用于购买自用普通住房的贷款personal mortgage

• 目前工行海南省分行的住房信贷已形成了以个人住房贷款为主体的业务发展格局。

  Currently, a development pattern dominated by personal mortgages has formed in regard to mortgages offered by the Hainan branch of the ICBC.

• 全市个人住房贷款增长乏力，同比少增明显。

  Growth in personal mortgages across the city lacks strength, showing a clear reduction in growth from the same period last year.