Mortgage means that the mortgagor (buyer) obtains the ownership of the purchased commercial house by installment. It has two meanings for buyers: first, the house payment can be paid in installments within the prescribed time limit; Second, in the installment stage, the ownership of the house is "pressed" and cannot be "uncovered" (taken away) before full payment. In addition, mortgage sales involve three debt relationships-namely, the relationship between the mortgagor (buyer), the developer (seller) and the mortgagee (usually the relevant bank). Its procedure is that the mortgagee (bank) first signs a house purchase contract with the developer and prepays part of the house purchase price; Then the mortgagor (buyer) signs a mortgage contract with the mortgagee (bank) on the basis of this contract, and the bank pays the rest of the house price to the developer, and the buyer pays the mortgage bank regularly until the "mortgage price" is paid according to the regulations, and the mortgage process ends.

Mortgage loan is a way for the buyer (mortgagor) to borrow money from the bank (mortgagee). That is, the buyer takes the purchased property as collateral, signs a mortgage contract with the bank, and repays the loan to the bank on schedule by taking the way of not transferring ownership as a guarantee. Interest must be paid on this loan. After the buyer (mortgagor) pays off the principal and interest to the bank according to the contract, he can recover the collateral-"house ownership certificate" and "land use certificate". In other words, before the buyer pays off the loan, he doesn't really own the ownership of the house he bought. If the loan is not repaid on time, the bank can handle it according to law.

Mortgage loan is a popular way to sell real estate in the world. Although it is different from mortgage loan in nature, it achieves the same goal in "holding house ownership" to ensure debt (installment payment and timely repayment).