If you borrow from a bank, the property right of the real estate license belongs to the bank, and there is a mortgage record on the real estate license; In full, the property right belongs to you.

2. Interest expense

Buying a house with a loan needs to repay the principal and interest on time every month. If you forget to repay, it will also affect your personal credit information; There is no repayment problem when buying a house in full.

3. Subsequent mortgage

The mortgage value of the loan house is very low, which belongs to secondary mortgage; However, the full mortgage is a mortgage, and the mortgage price is higher.

Mortgage is an important feature of loan contract. With collateral, the security of bank loans will be improved, but at the same time the cost of borrowers will also increase. Because of this, the interest that the borrower is willing to pay to the bank will be lower, and its income may not increase for the bank.

Mortgage is widely used to reduce the incentive problems related to lending (that is, to enable lenders to obtain specific assets in case of default), and it gives lenders the right to confiscate specific enterprise assets according to law. Collateral refers to the property that provides guarantee. Mortgage contract refers to a written agreement between the beneficiary creditor and the mortgagor to confirm their mortgage rights and obligations.

Mortgage can also be used for credit risk management in financial derivatives transactions, and the usual mortgage terms should stipulate the minimum amount that must be kept in a specific account. In fact, the margin requirements in the futures market are similar to mortgage loans, and derivatives traded over the counter usually use cash or securities with high liquidity and low risk as collateral.

Generally speaking, those who owe more money require mortgage. If the peace treaty is positive for A and negative for B, and B owes A more, B should provide a certain mortgage. With the change of market value, the amount of mortgage to be maintained increases with the increase of market value and decreases with the decrease of market value. At a certain point, if the market value changes from positive to negative, the party requesting the mortgage will change, thus lifting the mortgage requirement of the original party providing the mortgage.

The amount of mortgage can be determined according to the level of market value of the contract, or the required mortgage can be changed according to the credit rating, market value or the change of credit rating.

The application scope of mortgage loan is limited. Working capital loans granted by banks to basic customers are often of a foundation nature because of their short term, large amount and frequent occurrence, and banks will not give up these customers easily. Therefore, banks apply the maximum mortgage method to these rigid loans, while the traditional mortgage method is applied to flexible loans such as temporary loans and seasonal loans for ordinary and informal customers and medium and long-term loans.