This paper expounds the features and main representation forms of the false mortgage loan for house,analyzes on reasons and damages of false mortgage,and based on this,advances some suggestions on preventing the false mortgage loan for house.

Academic circles only just start their research on the mode of mortgage loan,so the relative papers can hardly be found.

There are a lot of traps in the personal mortgage loan, all relevant article aims to protecting the bank interests at present, few article analyses such questions for protecting debtor s interests, in view of this, this text analyses the common risk and trap in the course of individual Mortgage loan and refunds , and put up some settlement measures.