Legal analysis: the calculation formula of mortgage rate is: mortgage rate = sum of loan principal and interest ÷ collateral evaluation value × 100%. The mortgage rate of bank mortgage loans at home and abroad is generally around 70%, that is, 70% of housing mortgage loans. Determining the mortgage rate mainly depends on the borrower's credit status, the type of collateral, the accuracy of collateral valuation, the loan period and other factors. According to the collateral specified in the above-mentioned mortgage setting scope, the order of mortgage rate is generally: marketable securities (excluding stocks), current assets, real estate, other fixed assets and intangible assets. The mortgage rate of national debt is the highest, reaching about 90%.

Legal basis: Article 4 of the Law of People's Republic of China (PRC) Commercial Bank should operate independently, take risks, be responsible for profits and losses, and be self-disciplined, and take safety, liquidity and efficiency as the operating principles. Commercial banks conduct business according to law and are not subject to interference by any unit or individual. Commercial banks independently bear civil liability with all their corporate property.