Legal analysis: commercial transactions are not allowed to go to the bank for loans, and bank loans must provide mortgage documents to provide loans. Mortgage loan refers to the loan that the borrower obtains from the bank with certain collateral as guarantee. It is a form of bank loan, and the collateral usually includes securities, China bonds, various stocks, real estate, bills of lading, warehouse receipts or other documents proving the ownership of goods. When the loan expires, the borrower must return it in full, otherwise the bank has the right to dispose of the collateral as compensation.

Legal basis: Article 36 of the Law of People's Republic of China (PRC) Commercial Bank. When a commercial bank issues a loan, the borrower shall provide a guarantee. Commercial banks should strictly examine the repayment ability of guarantors, the ownership and value of collateral, and the feasibility of realizing collateral.

After examination and evaluation by a commercial bank, it is confirmed that the borrower has a good credit standing and can repay the loan, and no guarantee may be provided.

People's Republic of China (PRC) Civil Code

Article 667 A loan contract is a contract in which the borrower borrows money from the lender, repays it at maturity and pays interest.

Article 680 It is forbidden to lend at high interest, and the loan interest rate shall not violate the relevant provisions of the state. If there is no agreement on the payment of interest in the loan contract, it shall be deemed that there is no interest. If the loan contract does not specify the method of interest payment, and the parties cannot reach a supplementary agreement, the interest shall be determined according to the local or the parties' trading methods, trading habits, market interest rates and other factors; Loans between natural persons are regarded as having no interest.