Personal housing decoration loan means a loan lent by the bank to the borrower for it to decorate a self-owned housing.个人住房装修贷款是银行向借款人发放的用于自有住房装修的贷款。Any natural person having a complete civil capacity may apply for Personal housing decoration loan to the bank.具有完全民事行为能力的自然人可向银行申请办理个人住房装修贷款。