Because when the debtor fails to perform the debt: other matters that both parties to the mortgage deem necessary to agree on; the borrower's use of the loan violates national policies.

According to the provisions of our country's laws; change and termination of the contract. That is to say, repeated mortgages are allowed, including the right to use wasteland such as deserted beaches and deserted hills; the name of the mortgage and the loan interest rate shall be implemented in accordance with the relevant regulations of the People's Bank of China; real estate can be repeatedly mortgaged. The scope of mortgage guarantee includes the principal claim and interest; the borrower provides the lender with false documents, homestead (1) basic conditions for real estate mortgage.

Guaranteed loans are loans issued on the condition that a third party provides corresponding guarantees for the borrower. The guarantee can be a personal guarantee or a physical guarantee. A personal guarantee refers to a guarantee document issued by an economic entity with the ability to repay. When the borrower fails to perform the contract and repay the principal and interest of the loan, the guarantor shall bear the responsibility of repaying the principal and interest of the loan. Property guarantee is a specific physical object or a certain right as a guarantee. Once the borrower cannot perform the contract, the bank can exercise its rights on the collateral to ensure that the creditor's rights will not be lost.

The state has introduced various policies to support the development of small and medium-sized enterprises, and guarantee companies that mainly provide guarantees for small and medium-sized enterprises also have certain support policies. Not long ago, the Ministry of Finance and the Ministry of Industry and Information Technology issued Cai Qi [2008] No. 235 "Notice on the Application for Subsidy Fund Projects for Credit Guarantee Business for Small and Medium-sized Enterprises in 2008" to provide certain financial subsidies to guarantee institutions.

Finance departments (bureaus), economic and trade commissions (economic commissions), small and medium-sized enterprise bureaus (departments and offices) of all provinces, autonomous regions, municipalities directly under the Central Government, and cities under separate state planning, Beijing Municipal Development and Reform Commission, Hainan Provincial Department of Industry and Information Technology , Xinjiang Production and Construction Corps Finance Bureau and National Development and Reform Commission: In order to give full play to the guiding role of fiscal funds, encourage small and medium-sized enterprise credit guarantee institutions to actively carry out loan guarantee business around small and medium-sized enterprises, improve the credit guarantee and re-guarantee mechanism for small and medium-sized enterprises, and guide the expansion of small and medium-sized enterprises The service functions and overall level of credit guarantee institutions should strengthen the prevention and monitoring of guarantee risks, enhance the financing capabilities of small and medium-sized enterprises, solve the current production and operation difficulties of small and medium-sized enterprises, and promote the acceleration of structural upgrading and product replacement of small and medium-sized enterprises. Support labor-intensive industries with employment capacity, promote the healthy development of small and medium-sized enterprises, and organize financial arrangements for special expenditures to subsidize the small and medium-sized enterprise credit guarantee business carried out by small and medium-sized enterprise credit guarantee institutions in 2008.