In the process of bank mortgage loan, it is legal to collect loan deposit according to Article 37 of People's Republic of China (PRC) Commercial Bank Law. As a certain proportion of the total loan, this deposit is collected from the developer by the bank and returned after the real estate license is completed and the mortgage registration is completed. This practice not only has a legal basis, but also plays a role in ensuring transaction safety and preventing financial risks caused by the delay in issuing real estate licenses.