Housing mortgage loan is a common loan method at present. As real estate, real estate has good stability, and the use value of real estate will not be affected when it is used as mortgage. But any economic behavior has certain risks. As the owner of the house, the biggest risk of mortgage loan lies in the risk that the bank will repossess the house if it cannot repay on time. As a creditor, the bank will inevitably implement collateral to realize its creditor's rights when the debtor can't repay the principal and interest on time, and as a debtor, it may face the risk of homelessness for itself and his family. Therefore, the lawyer would like to remind you that when using real estate as a mortgage loan, you should first choose a formal financial institution. Although some private loan companies lend money faster, the interest is higher, the means of debt collection are rough, and the procedures are not in line with the regulations. Secondly, it is necessary to reasonably evaluate the loan purpose and capital risk, especially the purpose of the only housing mortgage loan. If the use of funds is risky, it is easy to fail to repay, resulting in higher overdue fees; Finally, when the mortgaged property is auctioned, its price is relatively low, which will lead to the risk of asset shrinkage.