个人住房组合贷款是指对按时足额缴存住房公积金的职工在购买、大修各类型住房时，银行同时为其发放公积金个人住房贷款和自营性个人住房贷款而形成的特定贷款组合。
... housing loans on authorization 委托住房贷款 individual combined housing loans 个人住房组合贷款 auto loans 汽车消费贷款 ...
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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。
Housing loans are divided into housing loans on own account, housing loans on authorization and combined loans.
为此，试图建立一个考虑居民收入增长的个人住房抵押组合贷款理论模型，通过该理论模型可以确定合理的贷款期限以及各年的还本付息额。
To study the combined housing mortgage loan, we established a theory model for it. Through this model, we can work out the term of loan, the repayment of capital and interest every year.
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