The general process is as follows:

1. Put forward the loan intention to the guarantee company and make a rough judgment on your loan situation through communication.

2. Submit the required information to the guarantee company, and at the same time, the guarantee company will report to the evaluation company to evaluate the collateral.

3. The guarantee company collates the information and submits it to the bank to sign the contract.

4. The bank carries out the examination and approval, then goes through the mortgage registration, obtains other rights, and finally lends money.

Mortgage loan requires that the loan property is generally full and fully owned (individual companies and banks are also handling secondary mortgages, please refer to the loan network). According to the requirements of collateral, the house is theoretically a 95-year-old property, with non-red brick exterior walls, and the total number of floors of the house is above 5, and the planned use is commercial or residential. Individual banks have specific requirements: for example, they must have dual certificates (real estate license and land certificate), and borrowers must be used for business and have entities.