A mortgage loan, also referred to as a mortgage, is used by purchasers of real property to raise money to buy the property to be purchased or by existing property owners to raise funds for any purpose. The loan is ''secured'' on the borrower's property. This means that a legal mechanism is put in place which allows the lender to take possession and sell the secured property (''foreclosure'' or ''repossession'') to pay off the loan in the event that the borrower defaults on the loan or otherwise fails to abide by its terms.
抵押贷款，也可被称为抵押，是被房地产购买者用来筹集资金购买物业，或现有的业主筹集资金用于其他目的上。该贷款是借款人的财务安全。这意味着，一个法律机制，允许贷款人占有并出售担保财产（“止赎”或“收楼”）在贷款的借款人违约或未能还清贷款其条款遵守的情况下。
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