Legal subjectivity:

Loan guarantee methods include: 1. Mortgage guarantee. The lender may not dispose of the mortgaged property without authorization before the mortgage period expires; during the mortgage period, the mortgagor may not re-mortgage or rent, transfer, sell or give away the mortgaged property without the consent of the lender. 2. Pledge guarantee. If a pledge is adopted, the pledgor and the pledgee must sign a written pledge contract, which shall be terminated when the borrower repays all principal and interest of the loan; the lender shall not dispose of the pledged property without authorization before the expiration of the pledge period. 3. Guarantee guarantee. When the borrower is unable to provide a full mortgage, a third party approved by the lender should provide a guarantee to bear joint liability. 4. Mortgage plus guarantee means that the lender requires the borrower to provide a third-party jointly and severally liable guarantor with the ability to repay the loan as a loan guarantee on the basis that the borrower has not obtained the property rights of the purchased house. Legal objectivity:

Article 11 of the "Interim Measures for the Administration of Personal Loans" A personal loan application shall meet the following conditions: (1) The borrower is a citizen of the People's Republic of China with full capacity for civil conduct or meets the requirements of Overseas natural persons as stipulated by the relevant state; (2) The purpose of the loan is clear and legal; (3) The amount, term and currency of the loan application are reasonable; (4) The borrower has the willingness and ability to repay; (5) The borrower's credit status is good , no major bad credit record; (6) Other conditions required by the lender.