The mortgage loan of Zheshang Bank must be photographed. For banks, it is necessary to determine the location and old and new degree of real estate. In the process of approving credit, the loan review committee must refer to the specific conditions of real estate, because once the borrower fails to repay the loan on time, the auction value of real estate will affect the realization of the bank's creditor's rights. Therefore, the mortgage must be confirmed and photographed at home. Article 27 loan investigation: after accepting the borrower's application, the lender shall investigate the borrower's credit rating and the legality, safety and profitability of the loan, verify the collateral, pledge and guarantor, and determine the loan risk.