accommodation paper
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其实抵押就是借据，通过这个借据，买方同意在一定的时间范围内偿还房价借款，说到底只是贷款买房方式的一个担保。
A mortgage is nothing more than an IOU in which a buyer agrees to pay a lender the value of the house over a period of time. It is really a way of borrowing money using the house as collateral.
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