1, state-owned land can be mortgaged, but the regulations of each bank are different. Industrial and Commercial Bank of China and Bank of China can do it, but they need to provide the loan destination. For example, buying a car (the money is directly transferred to the car dealership account that provides you with the car purchase certificate) and buying a house (it is necessary to sign a sales agreement with the house owner at the Housing Authority, and the public houses will be replaced by Tianjin houses).

2. Mortgage loan refers to the loan that the borrower obtains from the bank with certain collateral as guarantee. It is a form of bank lending, and the collateral usually includes securities, China bonds, various stocks, real estate, bills of lading, warehouse receipts or other documents that prove the ownership of goods. When the loan expires, the borrower must return it in full, otherwise the bank has the right to dispose of the collateral as compensation.