1, used for enterprise management;

2. For personal consumption;

3. Buy commercial housing;

4, decoration, tourism, automobiles, durable goods, medical and other consumer areas.

But no matter which one, it needs to be used within the scope prescribed by law.

legal ground

Article 400 of the Civil Code

To establish a mortgage, the parties shall conclude a mortgage contract in writing.

A mortgage contract generally includes the following clauses:

(1) The type and amount of secured creditor's rights;

(2) The time limit for the debtor to perform the debt;

(3) The name and quantity of the mortgaged property;

(4) the scope of the guarantee.