1. Mortgage means: you borrow money from others, and they ask you to provide some physical objects as guarantee. If you cannot repay the debt, then others will take possession of the physical objects you provide. The physical thing you provide is called "collateral."

2. The full name of home loan is "housing mortgage loan", which means to mortgage the house you purchased and borrow money from the bank.

3. When you buy a house, you need to pay a down payment of more than 30% of the house price, and then apply for a loan of 70% of the house price. If the house you buy costs 100,000 yuan, then you need to pay 30,000 yuan first, and then apply for a loan of 70,000 yuan from the bank. It's a house worth 100,000 yuan. If you give 30,000 yuan and the bank lends you 70,000 yuan, then you can buy the house and pay the bank back every month until the 70,000 yuan and interest are paid off. The house truly belongs to you.

4. The current housing price in Fengyang is 2,500-3,000 yuan/square meter, and it is still rising.