1, mortgage guarantee. If the borrower purchases commercial housing, price-limited commercial housing, affordable housing, unit-funded housing, public housing or second-hand housing, the purchased housing can be used as collateral; If a borrower builds, rebuilds or overhauls an owner-occupied house, he may use other houses owned by him as collateral. The mortgaged house shall not be used for mortgage guarantee;

2. Pledge guarantee. The borrower can use the securities recognized by the branch and the entrusted bank as collateral, such as government bonds and bank deposit certificates;

3. guarantee. Legal persons and natural persons recognized by branches provide guarantees for borrowers.

If the borrower adopts the method of housing mortgage, it shall sign a written mortgage contract with the entrusted bank, and the entrusted bank shall go through the formalities of housing mortgage registration. The maximum mortgage value shall not exceed 80% of the mortgaged property value. If the borrower uses securities as collateral, the pledger shall sign a written pledge contract with the entrusted bank, and the loan principal and interest amount shall not be higher than 90% of the pledged amount.

Legal basis: Article 390 of the Civil Code of People's Republic of China (PRC).

During the guarantee period, if the secured property is damaged, lost or expropriated, the obligee of the secured property can get the insurance money, compensation or compensation in priority. If the performance period of the secured creditor's rights has not expired, the insurance money, compensation or compensation may also be deposited.