it will be better to declare a mortgage with a tax, because the amount of mortgage is relatively large, so you will get more benefits when you declare a tax, so it is recommended to choose a mortgage.

mortgage, also known as house mortgage. Mortgage means that the buyer fills in the application for mortgage loan to the bank, and provides legal documents such as ID card, income certificate, house sales contract, guarantee, etc. The bank promises to issue loans to the buyer after passing the examination, and handles real estate mortgage registration and notarization according to the house sales contract provided by the buyer and the mortgage loan contract concluded between the bank and the buyer. The bank directly transfers the loaned funds to the account of the seller within the time limit stipulated in the contract.