Housing pawns with different housing treatment methods are pledged loans. During the period of real estate pawn, it shall be sealed up and placed under the supervision of the pawnshop, and the pawnshop shall not use the mortgaged house again. Real estate mortgage refers to the behavior that the mortgagor provides the mortgagee with the debt performance guarantee with his legal real estate without transferring possession. During the mortgage period, the house owner does not need to hand over the house, but the transfer of property rights is restricted, and the house is still used by the original property owner.

At that time, the pawnshop did not pay the full amount, but lent money in different proportions according to the value of the house, which was conducive to the redemption of the pawned house during the pawn period. The redemption period is usually three to six months, which is a quick short-term financing behavior. For enterprises and individuals who need short-term working capital, house pawn is a more suitable way. The bank's mortgage loan is based on the actual value of the collateral, and the loan period is generally long, ranging from several years to decades.

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Different housing pawn evaluation methods do not consider the repayment ability of the pawnbroker. The premise of pawn house pledge loan is that there is no property right dispute in the pawn house, so it is necessary to seal it up and simply examine the value of the property. The pre-evaluation of real estate mortgage loan is complicated, not only to ensure that there is no property right dispute, but also to examine whether the mortgagor has the repayment ability.