Yes, mortgage deposit refers to 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 assumes the joint and several 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. If there is an agreement in the sales contract, the problem of returning a house due to the breach of contract in house sales shall be handled in accordance with the agreement. If there is no agreement, a lawsuit can be brought to the people's court to solve the related problems. The real estate license can mortgage the loan, but it needs to meet the following conditions: the owner of the collateral can be the borrower himself or others. In other words, even if the real estate license is not your own, you can apply for a mortgage loan with someone else's house as long as there is proof of others' consent and consent to mortgage; Lenders are willing and able to provide recognized property mortgage.