1. Credit granting has many contents. In mortgage loan, it refers to the unused and irrevocable loan commitment made by the bank to the customer.

2. Mortgage is the guarantee of not transferring the mode of possession. The house is still used by the owner, but the bank is the mortgagee.

3. Pledge is the burden of transferring possession. Give your watch to the pawnshop and borrow some money. At this time, the original owner cannot use the watch.

4. The mortgage term is simply the repayment term.