Among them, real estate mortgage loan refers to the loan issued to banks with real estate as collateral, which is one of the important financing methods for real estate investors. There are three main types of real estate mortgage loans in China, namely, real estate development mortgage loans, unit housing mortgage loans and employee housing mortgage loans. Usually, the mortgage provided by the mortgage applicant is the real estate under construction, that is, the auction house, and there is no property right certificate at present. It is common practice that after the mortgage registration of the auction house, the pre-sale contract is occupied by the financial institution.