建设银行开办的个人住房贷款条件似乎全行上下千篇一律，局限于购买商品房。由于全国各地情况不同，大、中、小城市也有差别，如果都按照一个模式操作，个人住房消费贷款必然会受到很大的制约。县城居民个人住房的取得有多种渠道，一是购买单位自有住房，二是参加单位集资建房 The condition of individual housing loans run by China Construction Bank seems to be the same across the whole bank and is limited to purchasing commercial housing. Due to the different conditions in different parts of the country, big, medium and small cities are also different. If all are operated according to a model, consumer loans for personal housing are bound to be greatly restricted. Individual housing for county residents to obtain a variety of channels, first, buy their own units of housing, the second is to participate in units to raise funds for housing