Legal analysis: 1. The lender consults with the bank or loan company that has launched the factory pawn loan; 2, the borrower to the bank to submit the required materials procedures, put forward a loan request; The bank sent a special person to the factory for field investigation. 3, the bank sent people to the factory site investigation; 4. Evaluate the value of the pawn factory; 5. The Lender goes through the formalities of pawning the factory building; 6. After the bank's audit, call the borrower to go to the bank to sign a loan contract; 7. Banks issue loans.

Legal basis: Article 31 of People's Republic of China (PRC) Real Estate Management Law. The proportion of registered capital and total investment of real estate development enterprises shall comply with the relevant provisions of the state. If a real estate development enterprise develops real estate by stages, the amount of investment by stages shall be commensurate with the scale of the project, and in accordance with the stipulations of the land use right transfer contract, it shall invest funds for the project construction on schedule.