Mortgage loan refers to a kind of credit behavior in which the applicant applies for a loan to pay the house price from the bank for the purpose of buying a house, and then pays the loan back to the bank in installments according to a certain number of years, and the bank charges interest at the same time. For example, mortgage loan is a personal housing loan business in which the buyer takes the purchased house as collateral and the real estate enterprise that purchased the house provides phased guarantee. The so-called mortgage means that the mortgagor transfers the property right of the house to mortgage, and the beneficiary, as the repayment guarantor, immediately transfers the property right involved to the mortgagor after the mortgagor pays off the loan, and the mortgagor enjoys the right to use in the process.