what is the difference between mortgage and charge?

A mortgage is a secured loan taken against a collateral especially your property. However, I did not understand what you exactly wanted to mean by "charge". Are you speaking about charge off? When your lender is unable to collect the dues from you, he sells off your account to a collection agency. This is known as charge off. The collection agency collects the dues from you. It has a negative effect on your credit report.

charge as security for laon

Your query is not clear to me. Can you explain it in details, please?