Legal subjectivity:

(1) The type, amount, term, purpose, interest rate and repayment method of each loan shall be subject to the loan IOU. (2) When the borrower is unable to repay the loan on time as stipulated in the contract, the mortgagor has the right to price, auction, buy or otherwise dispose of the mortgaged property in accordance with my country's legal provisions, and receive priority in repayment from the proceeds. (3) Borrowing interest rate. There is no agreement that the interest rate will be fixed for one year, or the interest rate will be applied during the contract period. (4) On the premise that the borrower fulfills its obligations under this contract and obtains legal and effective loan mortgage guarantees in accordance with the lender's requirements, the loan will be provided on schedule and in amount. (5) If the borrower is unable to repay the loan on time due to special circumstances and needs to extend the loan period, he or she may apply for an extension. (6) The borrower is responsible for mortgage registration. (7) It is not clear whether the maximum mortgage loan contract is a credit contract or a formal contract text. Article 35 of the "Commercial Bank Law": Commercial bank loans shall strictly examine the borrower's purpose of borrowing, repayment ability, repayment method, etc. Commercial bank loans should implement a system of separation of review and loan and hierarchical review and approval. Article 36 For commercial bank loans, the borrower shall provide guarantee. Commercial banks should strictly examine the guarantor's repayment ability, the ownership and value of the mortgage and pledged property, and the feasibility of realizing the mortgage and pledge rights. If, after review and evaluation by a commercial bank, it is confirmed that the borrower has good credit and can indeed repay the loan, no guarantee is required. Legal objectivity:

Article 12 of the "Interim Measures for the Administration of Personal Loans" requires the borrower to submit a personal loan application in writing, and requires the borrower to provide relevant information that can prove that it meets the loan conditions. Article 13 of the "Interim Measures for the Administration of Personal Loans" After accepting the borrower's loan application, the lender shall perform due diligence responsibilities, investigate and verify the authenticity, accuracy and completeness of the content of the personal loan application and related circumstances, and form an investigation evaluation Opinion.