Many people have problems when going to mortgage loans. That include, Companies for financing mortgage loans have different interest rates for different categories. Banks are the source of all the shortcomings in the financial world. They choose tariffs depending on various parameters. The high creditworthiness of a person makes it more favorable than others. The lack of transparency and the presence of third parties in the banking system are the two biggest challenges for the growth of the industry. There is a demand for a new system of financial integration, which should cover all.