The invention provides a hot-water, air-conditioning and construction integrated system which indirectly and directly utilizes solar energy. The system comprises a solar heat collection unit [1], a fan coil [2], a coil throttle valve [3], a cooling electromagnetic valve [4], a cooling tower [5], a chilled water output electromagnetic valve [6], a chilled water output pump [7], a chilled water reservoir [8], a chilled water input pump [9], a chilled water input electromagnetic valve [10], a chilled water input throttle valve [11], a water-cooled cold water chiller [12], a hot-water throttle valve [13], a hot water pump [14], a hot-water reservoir [15], a spray nozzle [16], a unit pump [17], a unit throttle valve [18] and the like. The system realizes integration of solar hot-water, air-conditioning and construction, and supplies all-weather hot water and chilled water (summer). According to solar altitude, weather conditions and user requirements, the best scheme can be selected from a plurality of configurations to achieve substantially energy conservation: in summer, combined supply of hot-water and air-conditioning can be realized to avoid heat pollution and cold consumption, refrigeration and cold storage can be implemented at the lowest temperature so as to improve efficiency, perform peak load shifting, save electricity fee and relieve power supply shortage; and in winter, combined supply of hot-water and warming can be realized. By adopting a water-circulation heat-and-coldness-storage heat-and-coldness-supply system, the heat collecting area and the heat exchange cycle are reduced, and cost is reduced; and the integrated system of the invention has high solar heat conversion efficiency, high air heat converting energy conversion, and primary investment, operation cost and electricity conservation which are superior to those of the conventional solar hot-water air-conditioning system with the same volume.