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A mortgage loan or direct access to a mortgage is done Either to raise real estate to buy real estate by real estate buyers or is used by existing property owners to raise funds for any purpose, while the property Is mortgaged. Loans are known as mortgage origins, through a process, "safe" on the borrower's property. This means that a legal mechanism is implemented which allows the lender to capture and sell the secured property so that the borrower on loan fails to default or otherwise fails to comply with its conditions. The French used in the Middle Ages, which means "death pledge" and refers to the termination of the liability (die), when either obligation is completed, or property foreclosure Is taken through. A mortgage can be described as a borrower considering "the collateral for profit (debt).Many other distinctive features are standard in many markets, but the above are the necessary features. Governments usually regulate many aspects of mortgage lending, either directly or indirectly (through the regulation of participants or financial markets, such as banking industry), and Often through state intervention (direct borrowing by the government), direct debit by state-owned banks, or sponsorship of various institutions).Mortgage loans are typically structured as long-term loans, for which periodic payments are similar to an annuity, and calculations are calculated according to the value of the sources of money. For the most basic arrangement, a fixed monthly payment will be required throughout ten to thirty years by local conditions. In this period, the fundamental component of the loan (necessary loan) will be gradually paid through refinement. In practice, many types of people are possible throughout the world and within each country.