The credit union's Le Jia card is not a mortgage. According to relevant public information, under normal circumstances, Lejiaka of credit cooperatives is not a mortgage loan. As the Lejiaka of credit cooperatives is a consumer credit product based on credit line, it is different from the source of funds, loan term and repayment method of mortgage loans. Mortgage loan refers to a loan applied to a bank or credit institution with collateral (usually a house) as the guarantee. Lejiaka of credit cooperatives is a consumer credit product similar to credit cards. When shopping, you can use the credit line of Lejiaka to spend money and repay it on schedule within the specified time.