Perhaps you should try some spelling variations:
using bank » housing bank
zhang jia » zhang jian, zhang jin, zhang jing
yang yang » wang yang, wang yan
jia fang » xia fang, jia zhang, jing fang
fang hoi » fang zhou, bang how, dong hoi
how hai » how has, how ai, how have
how hci » how heis

You may be able to get more results by adjusting your search query.

• Performing a fuzzy search may retrieve terms with similar spellings: zhang jia fang hoi ((using bank) or (yang yang)) aid ((how hai) OR (how hci)) ;~.
• If you are trying to use Boolean operators, they must be ALL CAPS: zhang jia fang hoi ((using bank) OR (yang yang)) aid ((how hai) OR (how hci)) ;*.
• The words AND, OR and NOT may confuse the search; try adding quotes: "zhang jia fang hoi ((using bank) or (yang yang)) aid ((how hai) OR (how hci)) ;*".