Personal housing additional mortgage loan means a loan lent by ICBC to any existing personal housing loan client for its house purchase and household consumption taking the former loan collateral as a security.  
　　个人住房加按揭贷款是指对工行现有个人住房贷款客户发放的以原贷款抵押物为担保的用于购买住房及家居消费的贷款。