Legal analysis: consulting → applying for a loan (borrower) → examining (providing information) → signing a loan contract and a mortgage contract (bank) → contract notarization (notary office) → relevant insurance (insurance company) → mortgage registration of house property rights (real estate registration office) → issuing a loan (obtaining a mortgage certificate) → repayment of the loan by the borrower → cancellation of mortgage property registration (all loans are paid off).

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.