Mortgage loans need to have clear loan purposes, and cannot be used for purposes prohibited by laws and regulations. For example, real estate speculation is not allowed. It is required that the purpose of mortgage housing loans should be earmarked and subject to the supervision of loan issuing institutions and regulatory agencies. If violations are found, the bank has the right to recover the loan. Generally speaking, the following two usages are common: First, the mortgaged property is used for business. Materials to be prepared: borrower's ID card, household registration book, proof of marital status, original and photocopy of real estate license, bank statement, proof of large assets, etc. ; A copy of the company's business license is stamped with the official seal, the company's articles of association, the company's financial statements for the past 1-3 years, and the company's bank running, operation or financing documents. Amount: Generally, for commercial purposes, you can apply for 7% of the appraised value of real estate at most. Interest rate: according to the bank policy and the borrower's qualification, the benchmark interest rate will rise by about 2%. Duration: generally not more than five years. Two. Materials to be prepared for personal consumption of mortgaged property: borrower's ID card, household registration book, proof of marital status, original and photocopy of real estate license, bank statement, proof of large assets and proof of personal consumption. Interest rate: when the mortgaged property is used for personal consumption, the benchmark interest rate is generally 1% or floating. Year: generally within ten years. The above two forms are the two most common uses of mortgage loans. If you meet the requirements, you can refer to the following loan procedures: 1. You need to open a current deposit account in a banking institution; 2. Please fill in the loan application form as required, and submit the application form and required materials as instructed by the bank; 3. The bank agent or appointed lawyer visits you at home to investigate the authenticity, legality and integrity of the information you provide; 4. After the approval of the bank, inform you of the approval result and sign a loan contract with you; 5. Handle insurance, mortgage registration, notarization and other procedures as appropriate. 6. The bank directly transfers the loan to the account agreed in the contract; 7. Please repay the principal and interest according to the loan contract.