Full mortgage loan requires the borrower to fill out an application for residential mortgage before handling the mortgage loan, and submit some relevant certification materials to the bank: the borrower's fixed income certificate issued by the borrower's unit, the business license of the loan guarantor, the legal person certificate and other credit certification documents.

Mortgage means that the mortgagor and the creditor conclude an agreement in writing not to transfer the possession of the mortgaged property and take the property as the creditor's right guarantee. When the debtor fails to perform the debt, the creditor has the right to discount the property or give priority to compensation with the price of auction or sale of the property according to law.

Real estate mortgage refers to the mortgage set with real estate as collateral.

The so-called real estate refers to the property that cannot be moved or will lose its original value or use value after being moved, such as land (in China, it is limited to the right to use construction land and the contracted management right of mortgaged land), buildings and other land attachments (such as houses).