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Mortgage From Wikipedia, the free encyclopedia Jump to: navigation, search This article is about the legal mechanism used to secure property in favor of a creditor. For loans secured by mortgages, such as residential housing loans, see Mortgage loan. Property law Part of the common law series Acquisition of property Gift · Adverse possession · Deed Lost, mislaid, and abandoned property Alienation · Bailment · License Estates in land Allodial title · Fee simple · Fee tail Life estate · Defeasible estate Future interest · Concurrent estate Leasehold estate · Condominiums Conveyancing of interests in land Bona fide purchaser · Torrens title Estoppel by deed · Quitclaim deed Mortgage · Equitable conversion Action to quiet title Limiting control over future use Restraint on alienation Rule against perpetuities Rule in Shelley's Case Doctrine of worthier title Nonpossessory interest in land Easement · Profit Covenant running with the land Equitable servitude Related topics Fixtures · Waste · Partition Riparian water rights Lateral and subjacent support Assignment · Nemo dat Other areas of the common law Contract law · Tort law Wills and trusts Criminal Law · Evidence A mortgage is a method of using property (real or personal) as security for the payment of a debt. The term mortgage (from Law French, lit. dead pledge) refers to the legal device used for this purpose, but it is also commonly used to refer to the debt secured by the mortgage, the mortgage loan. In most jurisdictions mortgages are strongly associated with loans secured on real estate rather than other property (such as ships) and in some cases only land may be mortgaged. Arranging a mortgage is seen as the standard method by which individuals and businesses can purchase residential and commercial real estate without the need to pay the full value immediately. See mortgage loan for residential mortgage lending, and commercial mortgage for lending against commercial property. In many countries it is normal for home purchases to be funded by a mortgage. In countries where the demand for home ownership is highest, strong domestic markets have developed, notably in Spain, the United Kingdom and the United States.

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