Home equity loans refer to individuals who apply for a single loan or revolving line with a "legal purpose" (such as buying a house or car, or personal liquidity) from a bank that applies for a mortgage or maximum mortgage approved by the lender to a house or commercial house. Credit business. According to the appraisal price, the borrower can obtain a loan limit of up to 80% of the value of the house. When the house price rises, the loan limit value can also rise. In addition, mortgages on commercial homes can get up to 65% of the value of the property. This product combines the advantages of multiple loans into one, and proposes the concept of home equity mortgage loans, that is, taking personal housing / commercial housing mortgages as the core, providing borrowers with multiple purposes of loans within a certain time and amount range, highlighting "One mortgage, n payments" and high loan amount highlights.