The so-called house mortgage means that when the house buyer purchases a house, he only pays a certain amount of down payment for the house, and then uses the house as collateral to mortgage the house to the lending bank, and the funds obtained from the mortgage are The buyer uses it to pay the remaining purchase price, and the buyer then settles with the lending bank.

The mortgagor transfers the property rights to the mortgage, and the beneficiary serves as the repayment guarantee. After the mortgagor repays the loan, the beneficiary immediately transfers the property rights of the house involved to the mortgagor. During the process, the mortgagor enjoys the right to use the house. .