Liabilities are definitely within the reference range, mainly referring to the liabilities of collateral, or in other words, the residual value. In the process of mortgage loan, there is collateral as a certain risk protection measure, so the bank's credit rating requirements for mortgage loans are relatively low compared with pure credit loans, but financial institutions will query the borrower's credit and assets in any form of loans.

1. Borrowers who want to apply for bank mortgage loans must follow the following steps:

(1) The borrower must fill in the Application for Mortgage of Residential Houses before the loan, and submit the following supporting materials: the borrower's fixed income certificate issued by the borrower's unit; Credit certification documents such as business license and legal person certificate of the loan guarantor; Legal and valid identity certificate of the borrower; The relevant certificate of the ownership of the house or the certificate that I have the right to the house according to law; Appraisal report, appraisal report and insurance documents of mortgaged real estate; Contracts, agreements or other supporting documents for the purchase and construction of houses; Other documents or materials required by the lending bank.

(2) The bank examines the loan application, house purchase contract, agreement and related materials submitted by the borrower.

(3) The borrower shall hand over the ownership certificate of the mortgaged property and the insurance policy or securities to the bank for safekeeping.

(4) The guarantors of both borrowers and borrowers sign the Housing Mortgage Loan Contract and notarize it.

(5) After the loan contract is signed and notarized, the bank's deposits and loans to the borrower are transferred to the selling unit or building unit specified in the purchase contract or agreement.

2. Credit investigation is an activity that a professional and independent third-party organization establishes credit files for individuals or enterprises, collects and objectively records their credit information according to law, and provides credit information services to the outside world according to law. It provides a platform for professional credit reporting agencies to enjoy credit reporting. According to the definition of the International Accounting Standards Board, liabilities refer to the current obligations of an enterprise due to past transactions or events, which are expected to lead to the outflow of economic benefits from the enterprise. China's "Accounting Standards for Business Enterprises" is defined as: Liabilities are debts that can be measured in money and need to be repaid by assets or services.