Hello, real estate mortgage means that the owner of the house takes the deed as the mortgage and obtains a loan to pay interest on schedule. In this case, the property right of the house is still managed by itself, and the creditor only has the right to charge interest, but has no right to use and manage the house. After the loan is paid off, the property owner will terminate the mortgage of the deed. When the debtor fails to perform the debt, the creditor has the right to dispose of the mortgaged house according to law, and has the right to receive priority compensation for the proceeds from the disposal of the mortgaged house.

Because banks have to apply for housing mortgage loans, in order to verify the specific situation, banks generally require the original of the real estate license. And after verification, the loan will be issued. After the loan is completed, the bank will generally detain your real estate license 15 working days or so. Then, the bank will stamp your real estate license and write "mortgage loan has been applied", so that your house cannot be mortgaged in several places at the same time, reducing the bank's loan risk. If the certificate doesn't come down, you can use your purchase contract first, but after the bank approves it, you won't issue the loan immediately, but wait for your certificate to come down before lending. But after the bank approves, it can sign a mortgage loan contract with you.

The real estate mortgage contract is a loan contract. If you buy a house loan, you must sign this contract. This contract is based on the situation of the house and mortgages the house. Then according to their own comprehensive situation to review whether they can borrow money. So as long as you borrow money to buy a house, you must sign this loan contract, that is, the mortgage contract.