The invention discloses a real estate mortgage loan method and system based on a workflow engine, and the method comprises the following steps: S1, receiving a loan request transmitted by a client, obtaining customer information requested to be uploaded, carrying out the auditing of the customer information, and generating an order; s2, generating a contract according to the approved order, and generating a loan order after the customer signs a contract; s3, sending a request for calling a real estate mortgage interface, uploading the real estate mortgage material to a real estate mortgage system, and queuing up to wait for auditing; and S4, sending the auditing result to the server and carrying out loaning according to the auditing result. Thus, according to the workflow engine-based house property mortgage loan method and system provided by the invention, the house property mortgage service workflow efficiency is improved, the efficiency of helping the client to handle the house property mortgage service is improved, the signing and loan speed is improved, and the experience feeling of providing service for the client by the house property mortgage service workflow service is good.