Make money and repay the loan. Mortgage loans are divided into five years, and the longest term of most banks is five years, which is also the same monthly payment. Need to make money to repay the loan, real estate mortgage means that the real estate owner takes the deed as the mortgage and obtains the loan to pay interest on schedule. Housing mortgage is a specific way of mortgage, which means that the debtor or the third party supplies all the houses or state-owned houses with the right to dispose of them as a guarantee in order to ensure the performance of debts.