1. The borrower of this loan is not qualified for the loan.

2. The guarantor of this loan does not meet the requirements of the Guarantee Law.

3. The enlightenment of this case is that the borrower must be qualified to borrow, and the guarantee unit must also be qualified to guarantee, otherwise, the situation of this case will appear-the loan cannot be recovered.

Case 2

1. For the fraudulent act of intentional mortgage fraud of Z company, the bank can bring a lawsuit to the court.

2. The lesson we should learn from this case is that the bank should have a detailed understanding of the lender, and at the same time conduct a detailed investigation of the collateral, and obtain all the rights and interests of the collateral before lending, otherwise the situation in this case will occur-the lender was cheated in the form of multiple rights and interests for one thing.