Mortgage of forward house loan cannot be used to buy a house. Mortgage loans cannot be used to buy a house. Real estate mortgage loan is a kind of consumer loan, which generally requires the use of funds, and banks will also monitor the flow of loan funds. Users who want to buy a house but have insufficient funds can apply for personal housing mortgage loans. Although this kind of loan also needs to mortgage the property, the loan funds are directly used to pay for the house purchase.