1, bank mortgage loan margin guarantee is widespread in the banking sector, so mortgage loan margin must be paid under normal circumstances.
2. The mortgage deposit is the money that the bank collects from the developer according to a certain proportion of the total loan in the process of mortgage loan, and bears the joint guarantee responsibility of mortgage loan. The bank will not return the mortgage deposit to the developer before the real estate license is completed and the mortgage registration is completed.
3. Mortgage margin guarantee provides the second repayment source for the bank's mortgage loan, which is of great significance for maintaining the bank's capital security.
Legal basis: "Regulations on the Management of Urban Real Estate Development and Operation" Article 30 A real estate development enterprise shall provide the buyer with a residential quality guarantee and a residential instruction manual when the commercial house is delivered for use.
The residential quality guarantee shall specify the quality grade, warranty scope, warranty period and warranty unit approved by the engineering quality supervision unit. Real estate development enterprises shall bear the warranty responsibility of commercial housing in accordance with the agreement of residential quality guarantee.
During the warranty period, if the original use function of the house is affected by the maintenance of the commercial house by the real estate development enterprise, causing losses to the purchaser, it shall be liable for compensation according to law.