Legal analysis: when the borrower mortgages the loan with the house, the house is used as collateral to guarantee the debt, and generally there is no need to guarantee the debt.

Legal basis: Article 386 of the Civil Code of People's Republic of China (PRC) * * * If the debtor fails to perform the due debt or the parties agree to realize the security interest, the holder of the security interest shall enjoy the right of priority compensation for the secured property according to law, except as otherwise provided by law.