{"id":180722,"date":"2025-10-18T13:08:49","date_gmt":"2025-10-18T07:38:49","guid":{"rendered":"https:\/\/www.practicemock.com\/blog\/?p=180722"},"modified":"2025-10-08T13:11:09","modified_gmt":"2025-10-08T07:41:09","slug":"what-is-a-mortgage-a-complete-guide-for-banking-exam-preparation","status":"publish","type":"post","link":"https:\/\/www.practicemock.com\/blog\/what-is-a-mortgage-a-complete-guide-for-banking-exam-preparation\/","title":{"rendered":"What Is a Mortgage? A Complete Guide for Banking Exam Preparation"},"content":{"rendered":"<div class=\"yoast-breadcrumbs\"><span><span><a href=\"https:\/\/www.practicemock.com\/blog\/\">Home<\/a><\/span> \u00bb <span><a href=\"https:\/\/www.practicemock.com\/blog\/category\/banking-awareness\/\">Banking Awareness<\/a><\/span> \u00bb <span class=\"breadcrumb_last\" aria-current=\"page\">What Is a Mortgage? A Complete Guide for Banking Exam Preparation<\/span><\/span><\/div>\n\n\n<p>As a banking student, understanding the mechanics of a mortgage is more than just academic; it\u2019s foundational to your future career. Mortgages are among the most significant financial products offered by banks, playing a crucial role in both personal finance and the broader economy. This blog breaks down the concept of a mortgage from a banking perspective, equipping you with the insights needed to analyse, evaluate, and eventually manage these instruments professionally. If you want to learn more such <a href=\"https:\/\/www.practicemock.com\/blog\/banking-awareness-free-pdfs-for-banking-exams\/\" target=\"_blank\" rel=\"noreferrer noopener\">banking and finance awareness<\/a> topics, then you can visit our blogs or take the subscription to our banking courses.\u00a0\u00a0<\/p>\n\n\n\n<p><\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-16018d1d wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-white-color has-vivid-cyan-blue-background-color has-text-color has-background wp-element-button\" href=\"https:\/\/www.practicemock.com\/ibps-clerk-test-series\/?ref=14501\" target=\"_blank\" rel=\"noreferrer noopener\"><strong> Attempt a Free IBPS Clerk Mock Test Today!<\/strong><\/a><\/div>\n<\/div>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>What is a Mortgage?<\/strong><\/h3>\n\n\n\n<p>A <strong>mortgage<\/strong> is a secured loan provided by a financial institution to a borrower for the purpose of purchasing real estate. The property itself serves as <strong>collateral<\/strong>, meaning the lender has a legal claim to the asset if the borrower defaults. Mortgages are long-term credit instruments and are a key component of retail banking and credit risk management.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Key Components of a Mortgage<\/strong><\/h3>\n\n\n\n<p>From a banking lens, a mortgage consists of several critical elements:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Principal<\/strong>: The original amount borrowed by the customer.<\/li>\n\n\n\n<li><strong>Interest<\/strong>: The cost of borrowing, typically expressed as an annual percentage rate (APR). It can be fixed or floating.<\/li>\n\n\n\n<li><strong>Tenure<\/strong>: The duration of the loan, often ranging from 10 to 30 years.<\/li>\n\n\n\n<li><strong>EMI (Equated Monthly Instalment)<\/strong>: A fixed monthly payment that includes both principal and interest.<\/li>\n\n\n\n<li><strong>Collateral<\/strong>: The property being financed, which secures the loan.<\/li>\n<\/ul>\n\n\n\n<p>Banks assess these components to determine the loan structure, pricing, and risk exposure.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Types of Mortgage Products<\/strong><\/h3>\n\n\n\n<p>Understanding the different mortgage products is essential for banking professionals:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Fixed-Rate Mortgage<\/strong>: Interest remains constant throughout the loan term. Predictable cash flows make it easier for banks to manage asset-liability mismatches.<br><\/li>\n\n\n\n<li><strong>Floating-Rate Mortgage<\/strong>: Interest rates adjust periodically based on benchmark rates (e.g., repo rate). These are sensitive to monetary policy changes and require dynamic risk assessment.<br><\/li>\n\n\n\n<li><strong>Home Equity Loan<\/strong>: A secondary loan taken against the equity built in the property. Useful for cross-selling and customer retention.<br><\/li>\n\n\n\n<li><strong>Reverse Mortgage<\/strong>: Designed for senior citizens, where the bank pays the borrower monthly instalments against the value of their home. The bank recovers the loan upon sale or death.<br><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Credit Appraisal and Risk Assessment<\/strong><\/h3>\n\n\n\n<p>Before sanctioning a mortgage, banks conduct a thorough <strong>credit appraisal<\/strong>:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Credit Score<\/strong>: Indicates the borrower\u2019s creditworthiness.<\/li>\n\n\n\n<li><strong>Income Verification<\/strong>: Ensures repayment capacity.<\/li>\n\n\n\n<li><strong>Debt-to-Income Ratio (DTI)<\/strong>: Measures financial leverage.<\/li>\n\n\n\n<li><strong>Property Valuation<\/strong>: Determines the loan-to-value (LTV) ratio.<\/li>\n\n\n\n<li><strong>Legal Due Diligence<\/strong>: Confirms ownership and title clarity.<\/li>\n<\/ul>\n\n\n\n<p>These steps help mitigate credit risk, a core concern in banking operations.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Regulatory Framework<\/strong><\/h3>\n\n\n\n<p>In India, mortgage lending is governed by regulations from:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Reserve Bank of India (RBI)<\/strong>: Sets guidelines on interest rate policies, provisioning norms, and risk weights.<\/li>\n\n\n\n<li><strong>National Housing Bank (NHB)<\/strong>: Regulates housing finance companies.<\/li>\n\n\n\n<li><strong>SARFAESI Act<\/strong>: Empowers banks to recover dues without court intervention in case of default.<\/li>\n<\/ul>\n\n\n\n<p>Understanding these frameworks is crucial for ensuring compliance and effective risk management.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Mortgage Securitization<\/strong><\/h3>\n\n\n\n<p>Banks often <strong>securitise<\/strong> mortgage loans by pooling them into <strong>Mortgage-Backed Securities (MBS)<\/strong>. These are sold to investors, allowing banks to free up capital and manage liquidity. As a student, grasping this concept is key to understanding how mortgages interact with capital markets.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Final Thoughts<\/strong><\/h3>\n\n\n\n<p>For banking students, a mortgage isn\u2019t just a loan; it\u2019s a complex financial product that touches on credit analysis, regulatory compliance, risk management, and financial markets. To learn more about <a href=\"https:\/\/www.practicemock.com\/blog\/banking-awareness-free-pdfs-for-banking-exams\/\" target=\"_blank\" rel=\"noreferrer noopener\">banking awareness and financial awareness<\/a>, you can take the subscription to our banking courses. <\/p>\n\n\n\n<p><\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-16018d1d wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-white-color has-vivid-cyan-blue-background-color has-text-color has-background wp-element-button\" href=\"https:\/\/www.practicemock.com\/ibps-clerk-test-series\/?ref=14501\" target=\"_blank\" rel=\"noreferrer noopener\"><strong> Attempt a Free IBPS Clerk Mock Test Today!<\/strong><\/a><\/div>\n<\/div>\n\n\n\n<p><\/p>\n\n\n\n<p><em><strong>Join our exclusive Telegram group where our experts are ready to answer all your queries, guide you in banking exam preparation, and give personalised tips to boost your success. Get access to real-time solutions, expert advice, and valuable resources to improve your study journey. <\/strong><\/em><\/p>\n\n\n\n<p><\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-16018d1d wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-white-color has-vivid-red-background-color has-text-color has-background wp-element-button\" href=\"https:\/\/t.me\/bankgovtjobexamprep\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>PracticeMock Telegram group Link<\/strong><\/a><\/div>\n<\/div>\n\n\n\n<p><\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-16018d1d wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-white-color has-vivid-cyan-blue-background-color has-text-color has-background wp-element-button\" href=\"https:\/\/www.practicemock.com\/?next=https%3A%2F%2Fwww.practicemock.com%2Fs1pricing%2Findex.php%3Fc%3Dpremium&amp;ref=14501\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Start More Preparation for Banking Exams With PracticeMock<\/strong><\/a><\/div>\n<\/div>\n\n\n\n<p><\/p>\n\n\n\n<p><strong>Other Related Blogs &nbsp;<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><a href=\"https:\/\/www.practicemock.com\/blog\/ibps-clerk\/ibps-clerk-cut-off\/\" target=\"_blank\" rel=\"noreferrer noopener\">IBPS Clerk Cut Off<\/a><\/td><td><a href=\"https:\/\/www.practicemock.com\/blog\/ibps-clerk\/ibps-clerk-exam-pattern\/\" target=\"_blank\" rel=\"noreferrer noopener\">IBPS Clerk Exam Pattern<\/a><\/td><\/tr><tr><td><a href=\"https:\/\/www.practicemock.com\/blog\/ibps-clerk\/ibps-clerk-syllabus\/\">IBPS Clerk Syllabus<\/a><\/td><td><a href=\"https:\/\/www.practicemock.com\/blog\/ibps-clerk\/ibps-clerk-salary\/\" target=\"_blank\" rel=\"noreferrer noopener\">IBPS Clerk Salary<\/a><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><a href=\"https:\/\/www.practicemock.com\/?next=https%3A%2F%2Fwww.practicemock.com%2Fs1pricing%2Findex.php%3Fc%3Dpremium&amp;ref=14501\" target=\"_blank\" rel=\"noreferrer noopener\"><img loading=\"lazy\" decoding=\"async\" width=\"1141\" height=\"629\" src=\"https:\/\/www.practicemock.com\/blog\/wp-content\/uploads\/2025\/08\/New-Banking-Packages-Banner-8.png\" alt=\"\" class=\"wp-image-168140\"\/><\/a><\/figure>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">FAQs<\/h2>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1759908628342\"><strong class=\"schema-faq-question\">What is the basic definition of a mortgage?<\/strong> <p class=\"schema-faq-answer\">A mortgage is a loan provided by a bank or financial institution to help an individual purchase property or land, with the property itself serving as collateral for the loan.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1759908848225\"><strong class=\"schema-faq-question\">How is a mortgage different from a regular loan?<\/strong> <p class=\"schema-faq-answer\">Unlike personal loans, a mortgage is a secured loan where the property purchased is pledged as collateral until the loan is fully repaid.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1759908873867\"><strong class=\"schema-faq-question\">What are the main types of mortgages in India?<\/strong> <p class=\"schema-faq-answer\">Common types include Home Purchase Loan, Home Construction Loan, Home Improvement Loan, Loan Against Property (LAP), and Reverse Mortgage Loan.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1759908903223\"><strong class=\"schema-faq-question\">What factors influence mortgage interest rates?<\/strong> <p class=\"schema-faq-answer\">Key factors include credit score, loan amount, type of mortgage, tenure, and current market rates set by the RBI.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1759908939866\"><strong class=\"schema-faq-question\">Why is understanding mortgages important for banking exams?<\/strong> <p class=\"schema-faq-answer\">Banking exams often include questions on loans, collateral, interest rates, and financial terms. Knowing mortgage concepts helps candidates tackle questions from the Banking Awareness and Economics sections.<\/p> <\/div> <\/div>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Get complete knowledge regarding the mortgage rules and their types and rules. Click on the blog to read the information regarding the same. <\/p>\n","protected":false},"author":33,"featured_media":180724,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_uag_custom_page_level_css":"","_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"_uf_show_specific_survey":0,"_uf_disable_surveys":false,"footnotes":""},"categories":[3998],"tags":[],"class_list":["post-180722","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-banking-awareness"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>What Is a Mortgage? A Complete Guide for Banking Exam Preparation<\/title>\n<meta name=\"description\" content=\"Get complete knowledge regarding the mortgage rules and their types and rules. 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Click on the blog to read the information regarding the same.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.practicemock.com\/blog\/what-is-a-mortgage-a-complete-guide-for-banking-exam-preparation\/\" \/>\n<meta property=\"og:site_name\" content=\"Practicemock\" \/>\n<meta property=\"article:published_time\" content=\"2025-10-18T07:38:49+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.practicemock.com\/blog\/wp-content\/uploads\/2025\/10\/What-Is-a-Mortgage-A-Complete-Guide-for-Banking-Exam-Preparation.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"675\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Muskan Sharma\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Muskan Sharma\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"What Is a Mortgage? A Complete Guide for Banking Exam Preparation","description":"Get complete knowledge regarding the mortgage rules and their types and rules. Click on the blog to read the information regarding the same.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.practicemock.com\/blog\/what-is-a-mortgage-a-complete-guide-for-banking-exam-preparation\/","og_locale":"en_US","og_type":"article","og_title":"What Is a Mortgage? A Complete Guide for Banking Exam Preparation","og_description":"Get complete knowledge regarding the mortgage rules and their types and rules. 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Having prepared for exams like SBI PO, Clerk, and other banking and insurance exams, I understand the mindset, challenges, and strategies needed to crack them. My journey from exam halls to content creation is fueled by a deep curiosity and an unquenchable thirst for learning. I believe in growing continuously and exploring new knowledge across fields, making every piece of content both insightful and relatable for aspirants.","url":"https:\/\/www.practicemock.com\/blog\/author\/muskan\/"},{"@type":"Question","@id":"https:\/\/www.practicemock.com\/blog\/what-is-a-mortgage-a-complete-guide-for-banking-exam-preparation\/#faq-question-1759908628342","position":1,"url":"https:\/\/www.practicemock.com\/blog\/what-is-a-mortgage-a-complete-guide-for-banking-exam-preparation\/#faq-question-1759908628342","name":"What is the basic definition of a mortgage?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"A mortgage is a loan provided by a bank or financial institution to help an individual purchase property or land, with the property itself serving as collateral for the loan.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/www.practicemock.com\/blog\/what-is-a-mortgage-a-complete-guide-for-banking-exam-preparation\/#faq-question-1759908848225","position":2,"url":"https:\/\/www.practicemock.com\/blog\/what-is-a-mortgage-a-complete-guide-for-banking-exam-preparation\/#faq-question-1759908848225","name":"How is a mortgage different from a regular loan?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Unlike personal loans, a mortgage is a secured loan where the property purchased is pledged as collateral until the loan is fully repaid.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/www.practicemock.com\/blog\/what-is-a-mortgage-a-complete-guide-for-banking-exam-preparation\/#faq-question-1759908873867","position":3,"url":"https:\/\/www.practicemock.com\/blog\/what-is-a-mortgage-a-complete-guide-for-banking-exam-preparation\/#faq-question-1759908873867","name":"What are the main types of mortgages in India?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Common types include Home Purchase Loan, Home Construction Loan, Home Improvement Loan, Loan Against Property (LAP), and Reverse Mortgage Loan.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/www.practicemock.com\/blog\/what-is-a-mortgage-a-complete-guide-for-banking-exam-preparation\/#faq-question-1759908903223","position":4,"url":"https:\/\/www.practicemock.com\/blog\/what-is-a-mortgage-a-complete-guide-for-banking-exam-preparation\/#faq-question-1759908903223","name":"What factors influence mortgage interest rates?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Key factors include credit score, loan amount, type of mortgage, tenure, and current market rates set by the RBI.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/www.practicemock.com\/blog\/what-is-a-mortgage-a-complete-guide-for-banking-exam-preparation\/#faq-question-1759908939866","position":5,"url":"https:\/\/www.practicemock.com\/blog\/what-is-a-mortgage-a-complete-guide-for-banking-exam-preparation\/#faq-question-1759908939866","name":"Why is understanding mortgages important for banking exams?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Banking exams often include questions on loans, collateral, interest rates, and financial terms. Knowing mortgage concepts helps candidates tackle questions from the Banking Awareness and Economics sections.","inLanguage":"en-US"},"inLanguage":"en-US"}]}},"uagb_featured_image_src":{"full":["https:\/\/www.practicemock.com\/blog\/wp-content\/uploads\/2025\/10\/What-Is-a-Mortgage-A-Complete-Guide-for-Banking-Exam-Preparation.png",1200,675,false],"thumbnail":["https:\/\/www.practicemock.com\/blog\/wp-content\/uploads\/2025\/10\/What-Is-a-Mortgage-A-Complete-Guide-for-Banking-Exam-Preparation.png",150,84,false],"medium":["https:\/\/www.practicemock.com\/blog\/wp-content\/uploads\/2025\/10\/What-Is-a-Mortgage-A-Complete-Guide-for-Banking-Exam-Preparation.png",300,169,false],"medium_large":["https:\/\/www.practicemock.com\/blog\/wp-content\/uploads\/2025\/10\/What-Is-a-Mortgage-A-Complete-Guide-for-Banking-Exam-Preparation.png",640,360,false],"large":["https:\/\/www.practicemock.com\/blog\/wp-content\/uploads\/2025\/10\/What-Is-a-Mortgage-A-Complete-Guide-for-Banking-Exam-Preparation.png",640,360,false],"1536x1536":["https:\/\/www.practicemock.com\/blog\/wp-content\/uploads\/2025\/10\/What-Is-a-Mortgage-A-Complete-Guide-for-Banking-Exam-Preparation.png",1200,675,false],"2048x2048":["https:\/\/www.practicemock.com\/blog\/wp-content\/uploads\/2025\/10\/What-Is-a-Mortgage-A-Complete-Guide-for-Banking-Exam-Preparation.png",1200,675,false],"web-stories-poster-portrait":["https:\/\/www.practicemock.com\/blog\/wp-content\/uploads\/2025\/10\/What-Is-a-Mortgage-A-Complete-Guide-for-Banking-Exam-Preparation.png",640,360,false],"web-stories-publisher-logo":["https:\/\/www.practicemock.com\/blog\/wp-content\/uploads\/2025\/10\/What-Is-a-Mortgage-A-Complete-Guide-for-Banking-Exam-Preparation.png",96,54,false],"web-stories-thumbnail":["https:\/\/www.practicemock.com\/blog\/wp-content\/uploads\/2025\/10\/What-Is-a-Mortgage-A-Complete-Guide-for-Banking-Exam-Preparation.png",150,84,false]},"uagb_author_info":{"display_name":"Muskan Sharma","author_link":"https:\/\/www.practicemock.com\/blog\/author\/muskan\/"},"uagb_comment_info":0,"uagb_excerpt":"Get complete knowledge regarding the mortgage rules and their types and rules. Click on the blog to read the information regarding the same.","_links":{"self":[{"href":"https:\/\/www.practicemock.com\/blog\/wp-json\/wp\/v2\/posts\/180722","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.practicemock.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.practicemock.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.practicemock.com\/blog\/wp-json\/wp\/v2\/users\/33"}],"replies":[{"embeddable":true,"href":"https:\/\/www.practicemock.com\/blog\/wp-json\/wp\/v2\/comments?post=180722"}],"version-history":[{"count":0,"href":"https:\/\/www.practicemock.com\/blog\/wp-json\/wp\/v2\/posts\/180722\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.practicemock.com\/blog\/wp-json\/wp\/v2\/media\/180724"}],"wp:attachment":[{"href":"https:\/\/www.practicemock.com\/blog\/wp-json\/wp\/v2\/media?parent=180722"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.practicemock.com\/blog\/wp-json\/wp\/v2\/categories?post=180722"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.practicemock.com\/blog\/wp-json\/wp\/v2\/tags?post=180722"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}