房地产抵押贷款是抵押人提供抵押物作为向银行贷款的还款担保．贷款期限届满借款人不能偿还贷款本息，抵押权人（银行）依法处置抵押物优先受偿的融资行为。以房地产作抵押，是目前借款人向贷款银行提供的主要担保方式之一．因此相关法律对其规定格外严格、具体。一、主体必须? Real estate mortgages are mortgages provided by the mortgagor as a repayment guarantee for bank loans. When the loan term expires, the borrower can not repay the principal and interest of the loan, and the mortgagee (bank) disposes the financing of the collateral with priority in compensation according to law. Real estate as a mortgage, is the borrower to the loan bank to provide one of the major security methods. Therefore, the relevant laws are particularly strict and specific. First, the main must?