Legal analysis: faster house can be used as mortgage loan. Pre-sale mortgage generally means that after the buyer pays the down payment, the loan bank pays the remaining house payment, and the mortgagor needs to mortgage the purchased commercial house to the loan bank as a guarantee to repay the loan.

Legal basis: Article 400th of the Civil Code of People's Republic of China (PRC) establishes mortgage, and 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 guarantee.