Method 1: To apply for real estate mortgage loan with the real estate under one's name as collateral, the consent of the owner of the house must be obtained. 2. The owner of the house shall issue a written undertaking to agree to mortgage. Method 2: Apply for car mortgage with the full car under your name as mortgage. In addition, borrowers need to pay attention to the fact that both real estate mortgage loans and automobile mortgage have relatively high repayment pressure. Therefore, borrowers need to make repayment plans in advance to avoid overdue. Mortgage loan? Mortgage loan with real estate refers to applying for loan with real estate (real estate) as mortgage and business enterprise (industrial and commercial license) as lender. ? Requirements for loan procedures: identity certificate of the lender's husband and wife, household registration book, marriage certificate, house ownership certificate, land certificate (or copy), business license, tax registration certificate, income certificate, bank capital flow and house evaluation report; Repayment method

One-time repayment of principal and interest

Average capital method

Repayment by installments (only interest is repaid during the grace period, and after the grace period, the loan is guaranteed by the same amount ... 1 farmers: it means that 3 to 5 farmers form a joint guarantee team and can apply for a loan from the Postal Savings Bank without other guarantees. The maximum loan amount for each household is temporarily 50,000 yuan.

Farmers' guaranteed loan: refers to farmers, who can apply for loans from the Postal Savings Bank only by having one or two people (depending on the loan amount) with fixed jobs and stable income as loan guarantors, and the maximum loan amount for each farmer is temporarily 50,000 yuan.

Merchants' joint guarantee loan: refers to a joint guarantee team composed of three individual industrial and commercial households or sole proprietorship business owners with business licenses, who can apply for loans from the Postal Savings Bank without other guarantees. The maximum loan amount for each merchant is temporarily 6,543,800 yuan (200,000 yuan in some areas).

4 Merchant-guaranteed loan: refers to individual industrial and commercial households or sole proprietorship business owners with business licenses. As long as one or two (the number depends on the loan amount) people with fixed jobs and stable income are used as loan guarantors, they can apply for loans from the Postal Savings Bank. The maximum loan amount for each merchant is tentatively set at 6,543,800 yuan (200,000 yuan in some areas).