What is a mortgage loan? 什么是房屋贷款？
A mortgage loan is secured against property. It can be used to purchase, build or refinance real estate, and the property itself serves as security for the loan.
房屋贷款以房产作抵押，可用于购买、建造或重新融资房产。
Mortgage loan vs personal loan 房贷与个人贷款的分别
A mortgage is secured and usually has a longer term and larger amount. A personal loan is generally unsecured, smaller and shorter. If you fail to repay a mortgage, the property may be at risk.
Documents commonly required 常见所需文件
Identity and income documents plus property documents such as the sale and purchase agreement, title or valuation report.
General information only — not financial advice. Every application is assessed individually and approval is not guaranteed. 仅供一般参考，并非财务建议。