1. What are the main rights of the purchaser in the mortgage legal relationship? The rights of buyers mainly include: 1, the right to know about mortgage loans, the right to consult and the right to know; 2. Have the right to require the lending bank to issue loans at the time, amount and manner agreed in the contract; 3. Have the right to occupy and use the purchased property before and after the loan is paid off; 4. With the consent of the lending bank, have the right to lease, transfer, donate or otherwise dispose of the mortgaged property; 5. If the purpose of the loan cannot be achieved because the house sales contract is invalid or cancelled, the parties have the right to request the termination of the loan contract (unless otherwise agreed in the loan contract); 6. After paying off all the loan principal and interest, have the right to ask the loan bank to return the house ownership certificate and other relevant documents, and go through the mortgage registration and cancellation procedures; 7. Have the right to recover liquidated damages from the loan bank. 2. What are the conditions for applying for a mortgage loan? 1, with legal status; 2, a stable economic income, good credit, the ability to repay the loan principal and interest; 3. There are legal and effective purchase and overhaul contracts and agreements and other supporting documents required by the loan bank; 4, have purchased (overhaul) housing more than 20% of the total self-raised funds, and ensure that used to pay the first payment of the purchased (overhaul) housing; 5. Mortgaging or pledging assets recognized by the loan bank, or (and) using legal persons, other economic organizations or natural persons with sufficient compensation capacity as guarantors; 6. Other conditions stipulated by the lending bank. 3. What is the process of mortgage loan? 1, apply. The customer submits a written loan application to the bank and submits relevant materials. 2. Sign the contract. After receiving the loan approval notice from the bank, the loan applicant shall sign a loan contract and a guarantee contract with the loan bank, and handle notarization, mortgage registration, insurance and other related procedures as appropriate. 3. Open an account. Customers who choose entrusted deduction for repayment need to sign an entrusted deduction agreement with the bank, and open a special savings passbook account, savings card or credit card account for repayment at the business outlets designated by the lending bank. At the same time, the seller shall open a settlement account or deposit account with the loan bank. 4. Recover the loan. With the consent of the lending bank, the lending bank will directly transfer the loan to the deposit account opened by the borrower in the lending bank, or transfer it to the deposit account opened by the seller in one lump sum or by stages according to the loan contract. 5. Repay on schedule. The borrower shall repay the principal and interest of the loan according to the repayment plan and repayment method agreed in the loan contract. There are two repayment methods: entrusted deduction and counter repayment. To sum up, after the buyer signed the loan contract with the bank, the mortgage relationship was established. In this relationship, buyers enjoy many rights, such as asking banks to issue loans, obtaining the consent of banks, and having the right to transfer and sell real estate. If the bank defaults, the purchaser can also claim compensation. When signing the contract, the buyer should read the terms carefully to ensure that his rights can be realized.