The following conditions must be met: full capacity for civil conduct, a fixed source of income, mortgage, pledge (clear property rights and vehicles or machinery and equipment after 1996), a clear loan purpose and repayment plan, limited to Jinshui/Erqi/Xindong District/Guancheng District. The following information shall be provided: ID card of the borrower's husband and wife, household registration book, marriage certificate (single certificate issued by the civil affairs department is required), professional/business professional ability self-introduction, real estate license, second housing certificate (lease agreement is required for renting), contact information and fund account number. Handling process: submit relevant information and loan application form-> evaluate the value of collateral (the mortgage rate is below 70% of the value of collateral, and the real estate mortgage needs to bear three thousandths of the evaluation fee)-> handle mortgage and pledge registration (bear the mortgage and pledge fees of relevant government departments)-> sign a loan contract, be fair (bear the fair fees of the public security department)-> lend money (interest rate/kloc- 1327 Wu 157 Lao 8767 division