Is the house mortgage a mortgage?

There is a difference between house mortgage and mortgage.

Housing mortgage refers to the borrower's own or third-party property as collateral. And repay the principal and interest to the bank by stages with stable income, and mortgage the bank with its property certificate before paying off the principal and interest. If the buyer can't repay the principal and interest on time, the bank can sell the house to offset the debt.

Mortgage generally refers to housing mortgage loan, which is a personal housing loan business in which the purchaser takes the purchased house as collateral and the real estate enterprise that purchased the house provides regular guarantee. The so-called mortgage means that the mortgagor transfers the property rights of the house to mortgage, and the beneficiary acts as the repayment guarantor. After the mortgagor pays off the loan, the property rights involved are immediately transferred to the mortgagor, and the mortgagor enjoys the right to use in this process.