Personal property mortgage loan process: 1. Loan application: the borrower proposes the purpose, amount and time of the loan; 2. Preparation of loan materials: The borrower and the mortgagor shall prepare all the documents and certificates required for applying for loans as required; Including my spouse's ID card, household registration book, income certificate, corresponding personal consumption contract and marital status certificate; Property ownership certificate, owner's and spouse's ID card, household registration book and proof of marital status; 3. Appraisal of house inspection: relevant institutions conduct on-the-spot investigation, appraisal (survey) and evaluation of mortgaged houses; 4. Apply for a loan: submit all loan application materials together with the evaluation report or opinion to the bank for approval; 5. Notarization of loan contract: after the borrower and mortgagor fill in (loan contract) and all relevant documents, sign them and press their fingerprints, they will be notarized by a notary; 6. Mortgage registration procedures: the bank shall go through the mortgage registration procedures at the property right office with the house ownership certificate and notarized loan contract; 7. Opening an account and lending: the borrower opens a repayment account and the bank lends money to this account. The loan terms (1) have legal status; (2) Have a stable economic income, the ability to repay the principal and interest of the loan, and no bad credit record; (3) There is a legal and effective purchase contract; (4) If the newly purchased house is used as the maximum mortgage, it must have a legal and effective purchase contract, the age of the house is within 10 years, and a down payment of not less than 30% of the total price of the purchased house has been prepared or paid; (5) If a house mortgage loan has been purchased, the original house mortgage loan has been repaid for more than one year, the loan balance is less than 60% of the value of the mortgaged house, and the mortgaged house has obtained the house ownership certificate, and the age of the house is within 10 years; (6) Being able to provide effective guarantee recognized by the loan bank; (7) Other conditions stipulated by the lending bank.