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