在银行申请个人贷款，银行对贷款资金的用途是有要求的，一般银行会规定贷款申请人不得将贷款资金用于银监会明令禁止的生产、经营、投资领域，借款人需要提供资金用途证明或者用途声明。
不过，有兴趣的个人信用贷款，帮助按揭贷款。
However, there is credit and loan help for individuals interested in home mortgage loans.
我国在个人信用贷款方面的法律依然是空白，仅有的信贷法律适用对象都是生产型的企业，而不是个人信贷。
In our country, the law of personal credit loan is still blank, only the applicable object of credit law is the productive enterprise, not the personal credit.
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