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Second, the specific analysis

In terms of mortgage guarantee, mortgage can be said to be a loan applied for by mortgage, but mortgage is not a mortgage, but other comprehensive consumer loans or business loans applied for by using the house under one's name as collateral, which is different from mortgage loan to buy a house.

In terms of mortgage development, the names can be: personal housing provident fund loans, personal housing commercial loans, personal housing mortgage loans and so on. However, housing loans are generally not directly called housing mortgage loans.

Therefore, housing mortgage is not a mortgage.

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Third, the difference between mortgage and mortgage?

Mainly the difference of loan term, interest rate, conditions and amount.

1, loan term

Generally speaking, the term of housing mortgage loan is not more than 10 years, and the longest is not more than 20 years, while the longest term of mortgage loan can reach 30 years.

2. Loan interest rate

The interest rate of housing mortgage loan may be higher than that of mortgage loan, after all, mortgage application can enjoy the ultra-low interest rate of provident fund loan.

3. Loan conditions

Housing mortgage loans impose more age restrictions on applicants, generally not exceeding 65, while the age limit for mortgage applications can be relaxed to 70.

4. Loan amount

Housing mortgage loan will be considered according to the comprehensive conditions such as the value of collateral, and the mortgage amount is mainly determined according to the down payment ratio, loan ratio, maximum loan amount, salary income and repayment ability.