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.

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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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