* A natural person or legal person with independent civil capacity;

* Collateral is real estate (residence, outlets, office buildings, office buildings, commercial and residential buildings, etc.). ) legally owned by himself or a third party;

* Collateral is located in counties and cities of Zibo.

(2) Documents required by the borrower

Natural person:

* Property certificate or house ownership certificate and land use certificate;

* Borrower's ID card and household registration book;

* ID cards, household registration books and marriage certificates of the mortgagor and his wife;

Legal person:

* Property certificate or house ownership certificate and land use certificate;

* Identity certificate of legal representative, power of attorney of legal representative, articles of association, resolutions of shareholders' meeting, resolutions of board of directors, copy of business license, tax registration certificate, etc.

(3) Handling procedures

* The borrower shall register the loan with Rong Hui with the above-mentioned relevant documents;

* The borrower provides personal credit certificate and explains the purpose of the loan;

* Rong Hui Loan inspects the borrower's credit and evaluates the value of collateral;

* Sign a mortgage loan contract and go through the relevant mortgage registration procedures at the same time;

* Handle payment transfer.

(IV) Payment of related expenses (I) Requirements of the lender

* Natural persons with independent civil capacity;

* The source of funds is legal.

(2) The lender shall provide proof.

* ID card, household registration book

(3) Handling procedures

* Loan registration in Rong Hui with the above-mentioned relevant documents;

* Sign relevant legal documents and handle notarization and mortgage registration procedures;

* Handle loan handover procedures.