Legal basis:
"Measures for the Administration of Urban Real Estate Mortgage" Article 3 The term "real estate mortgage" as mentioned in these Measures refers to the act that the mortgagor provides the mortgagee with a debt performance guarantee with his legal real estate without transferring possession. When the debtor fails to perform the debt, the creditor has the right to be paid in priority with the proceeds from the auction of mortgaged real estate according to law.
：
First of all, usually, bank loans need the following information:
1. Borrower's ID card; The account book of the borrower; Marriage certificate or unmarried certificate of the borrower; The borrower's bank is flowing.
2. The borrower's work certificate;
3. Other materials specified by the bank.
Second, the loan processing flow:
1. The borrower shall apply to the bank after preparing the loan information required by the bank. After receiving the information submitted by the borrower, the bank shall conduct a preliminary examination of the borrower's information.
2. investigation. This is mainly to verify the borrower's information and see if the information is true. At the same time, the borrower's personal credit record will be checked to see if it meets the bank's loan requirements. After evaluating all aspects of the borrower, the bank will enter the examination and approval stage, and mainly decide whether to issue loans to the borrower.
3. Loan issuance. After determining that the borrower meets the loan requirements of the bank, the bank issues the loan, and finally the borrower can repay the loan according to the loan contract.
Three. Description of the loan:
A simple and popular understanding of a loan is to borrow money that needs interest. Loan is a kind of credit activity. Banks or other financial institutions that borrow monetary funds at a certain interest rate must repay them. Loans in a broad sense refer to loans, discounts, overdrafts and other loan funds. Banks meet the social demand for supplementary funds through loans and monetary funds, so as to expand reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.
The purpose of loan policy of commercial banks is to ensure the coordination of their business activities. Loan policy is a general principle to guide all kinds of loan decisions. An ideal loan policy can support banks to make correct loan decisions and help them operate. The second is to ensure the quality of bank loans. The correct credit policy can keep the bank's credit management at an ideal level, avoid excessive risks, and properly choose business opportunities.
The loan method is the way for banks to issue loans to enterprises. According to the different ways of loan guarantee, it can be divided into credit loan, secured loan and bill discount. Credit loan refers to a loan based only on the lender's credit; Secured loans refer to secured loans, mortgage loans and pledged loans; Bill discount refers to the loan issued by the lender through the purchase of the borrower's unexpired commercial paper, which is a special form of pledged loan. At present, the supply of credit funds in China can be divided into three types: direct loans, indirect loans and trading loans.