Legal analysis: the supervision policy of real estate development loans is as follows: 1, the proportion of real estate loans shall not exceed 40% for large banks, 27.5% for medium banks, 22.5% for small banks, 17.2% for county banks and12.5% for village banks; 2. The proportion of individual housing loans shall not exceed 32.5% for large banks, 20% for medium-sized banks, 17.5% for small banks, 12.5% for county rural cooperative institutions and 7.5% for village banks.

Legal basis: Article 11 of the Interim Measures for the Administration of Personal Loans shall meet the following conditions: (1) The borrower is a People's Republic of China (PRC) citizen with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state; (2) The purpose of the loan is clear and legal; (3) The amount, duration and currency of the loan application are reasonable; (4) The borrower has the willingness and ability to repay; (5) The borrower's credit status is good and there is no significant bad credit record; (6) Other conditions required by the lender.