A mortgagor and a mortgagee shall conclude a mortgage contract in writing. 第三十八条抵押人和抵押权人应当以书面形式订立抵押合同。
As a mortgagee bank for housing loans were repaid to the person with the purchase of mortgage contracts are reasonable. 作为抵押权人,银行要求买房人还清贷款,才能解除其与购房人的抵押合同是合理合法的。