房贷（fáng dài）是“住房抵押贷款”的简称。住房抵押贷款是银行为保证贷款的安全，把借款人的房地产、有价证券及其他凭证，通过一定的契约合同，合法取得对借款人财产的留置权和质押权而向其提供的一种贷款。
Fangdai (fáng dài) is the abbreviation of “housing mortgage loan”. Housing mortgage loan is a kind of loan provided by the bank to the borrower in order to ensure the safety of the loan. The bank transfers the real estate, securities and other certificates of the borrower through certain contracts to legally obtain the lien and pledge of the borrower’s property.
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