Applying for a mortgage loan to cash out is a way for sellers to sell their houses in a depressed market. However, in order to avoid the risk of default, the guarantee institution will have certain requirements for the collateral and the applicant. In order to control risks, the general loan amount is 50% of the assessed value of the collateral, and the loan period does not exceed 10 year. In addition, the company will also examine the applicant's credit status and repayment ability, such as whether the credit card has overdue repayment records, work unit, income status, family assets and so on. These are considered to be the factors of the amount of real estate mortgage and mortgage interest rate.