The subject matter of the mortgage could be any plot, or house or any valuable security like jewellery, bonds, etc. Mortgage basically act as a security in the sense that if the person to whom the loan is made be unable to make the payment, then in such case, by selling the subject matter, the loan amount can easily be realized without any problem.

In most of the cases people who advance the loan to an individual, the question arises as to how much mortgage can i get. The answer is simple. The mortgage money would always be equal to the loan amount which has been advanced. Taking loan now a days is not an easy job and it requires a lot of formalities to be done. The process of it is quite complicated especially where the property is mortgaged with someone else . In the case where any land is mortgaged the question arises regarding its existence in the mortgagor's name. In order to check its status, it is required to be verified accordingly, which takes a time to get verified.

The question of how much mortgage can i get, is asked by the mortgagee who has to advance the loan to the mortgagor. The mortgagor who is mortgaging his property must also be kept in mind that the person to whom the property will be mortgaged, is he asking for the right amount of mortgage or not. It is the duty of the mortgagor that he must try to know the value of the property which he is looking forward to mortgage. Sometimes the situation arises that one ends up loosing his estate by mortgaging it with more amount than what one is getting in the form of loan. So if the mortgagee asks as to how much mortgage can i get, then the mortgagor must be very smart in replying and must quote the amount equal to the amount which one is going to get in the form of the loan.

In most of the cases it is seen that that the mortgagee remains the bank which advances huge amount of loan to the consumers and in the case where consumer fails to make the payment within the stipulated time then it results in realization of the amount by way of selling the property of the mortgagor. The interest so calculated upon the loan which is required to be paid is also adjusted in the realization process.