Legal analysis: Housing mortgage is generally subject to the deduction of real estate license, and both mortgagor and mortgagee need to go to the real estate registration management department for housing mortgage registration. In this way, the collateral has legal protection.

If it is a mortgage bank loan, its real estate license and land certificate must be mortgaged to the bank.

Legal basis: Civil Code of People's Republic of China (PRC).

Article 667 A loan contract is a contract in which the borrower borrows money from the lender, repays the loan at maturity and pays interest.

Article 680 usury is prohibited and the loan interest rate shall not violate the relevant provisions of the state. If there is no agreement on the payment of interest in the loan contract, it shall be deemed that there is no interest. If the loan contract does not specify the payment method of interest, and the parties cannot reach a supplementary agreement, the interest shall be determined according to the local or the parties' trading methods, trading habits, market interest rates and other factors; Loans between natural persons are regarded as interest-free.