The mortgage deposit ratio is 15%. Mortgage deposit is the money that the bank collects from the developer according to a certain proportion of the total loan in the process of mortgage loan, and bears the joint guarantee responsibility of mortgage loan. The bank will not return the mortgage deposit to the developer before the real estate license is completed and the mortgage registration is completed. The funds in the margin account are frozen and deducted by the court from time to time, because the court sometimes thinks that the margin guarantee does not belong to the chattel pledge and cannot have the effect against the third party, that is, the bank has no priority to be repaid.