What is Mortgage in Monopoly: Mastering the Property Game




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What is Mortgage in Monopoly

Monopoly is a classic board game that has provided hours of entertainment for families and friends for decades. One important aspect of the game is the concept of a mortgage. In this article, we will explore what a mortgage means in the game of Monopoly and how it can impact your strategy.

Definition of a Mortgage

In Monopoly, a mortgage refers to the process of borrowing money from the bank by offering one of your owned properties as collateral. By mortgaging a property, you can receive immediate cash value equal to half of the property’s purchase price from the bank. This cash can then be used to pay off debts, purchase properties, or invest in houses and hotels.

How Does Mortgage Work?

When you decide to mortgage a property, you must first calculate the mortgage amount by taking half of the property’s purchase price. The property’s purchase price can be found on the Title Deed card that accompanies each property on the board. Once you have determined the mortgage amount, you return the Title Deed card to the bank and receive cash in return.

Mortgaging a property allows you to access immediate funds to support your strategy in the game. However, it is important to note that while your property is mortgaged, you cannot collect rent from other players if they land on that particular property. Consequently, mortgaging comes with a trade-off as it temporarily reduces your potential sources of income.

If you choose to, you can also redeem a mortgaged property by paying the mortgage value plus a 10% interest fee. Once the mortgage is fully paid off, you can once again start collecting rent and benefiting from the property’s full potential.

Strategic Considerations

Mortgage is a valuable tool that can be used strategically to your advantage in the game of Monopoly. Here are a few considerations to keep in mind when deciding to mortgage a property:

  1. Mortgaging can provide you with much-needed cash flow during crucial moments in the game.
  2. It can help you avoid bankruptcy and keep you in the game, especially when faced with hefty expenses or unexpected debts.
  3. Mortgaging less valuable properties can be a smart move to free up funds for investing in more lucrative opportunities.
  4. However, be cautious when mortgaging high-value and income-generating properties, as you may lose out on significant rental income. Consider the potential loss versus the short-term financial gain.
  5. Strategically managing your mortgage portfolio can give you a competitive edge over other players.

Frequently Asked Questions For What Is Mortgage In Monopoly: Mastering The Property Game

What Is A Mortgage In Monopoly?

A mortgage in Monopoly is when a player borrows money from the bank to purchase property and uses the property as collateral.

How Does Mortgage Work In Monopoly?

In Monopoly, if a player lands on a property they own, they can choose to mortgage it to the bank to receive cash. The mortgage can be lifted by paying off the loan with interest.

Can You Collect Rent On A Mortgaged Property In Monopoly?

No, when a property is mortgaged in Monopoly, rent cannot be collected from other players until the mortgage is lifted.

How Do You Lift A Mortgage In Monopoly?

To lift a mortgage in Monopoly, a player must pay off the loan amount plus interest to the bank. Once the mortgage is paid, the property is no longer mortgaged.


The concept of mortgage in Monopoly adds depth and strategic thinking to the game. It provides players with a way to manage their finances, invest, and make critical decisions. Understanding how mortgages work and using them wisely can greatly influence your success and increase your chances of winning. So, consider your options carefully, manage your properties wisely, and may you emerge as the true Monopoly tycoon!

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