Legal analysis: The process of handling mortgage loan is as follows: 1. The borrower applies to the loan bank for a mortgage loan. 2. The loan bank approves the loan application. 3. The borrower shall go through the guarantee formalities with the loan bank and mortgage the collateral. 4. Sign a loan contract. 5. The loan bank issues loan funds to the borrower's account.

Legal basis: People's Republic of China (PRC) Commercial Bank Law.

Article 35 When issuing loans, commercial banks should strictly examine the borrower's borrowing purpose, repayment ability and repayment method. Commercial bank loans shall be subject to the system of separating loan review from grading approval.

Article 36 When a commercial bank lends money, the borrower shall provide guarantee. Commercial banks should strictly examine the repayment ability of guarantors, the ownership and value of collateral, and the feasibility of realizing collateral.

After examination and evaluation by a commercial bank, it is confirmed that the borrower has a good credit standing and can repay the loan, and no guarantee may be provided.

Article 37 A commercial bank shall sign a written contract with the borrower when issuing loans. The contract shall stipulate the type, purpose, amount, interest rate, repayment period, repayment method, liability for breach of contract and other matters that both parties think need to be agreed.

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