1. The mortgagee has the right to take possession of the property if the mortgagor fails to repay the loan.
按典当权的人如果抵押人未能偿还贷款，有权拥有房产。
2. The bank is the mortgagee in this loan agreement.
在这份贷款协议中，银行是按揭贷款受让人。