In the process of personal mortgage credit loan approval, the loan approver should review the following contents: ① Whether the qualifications and conditions of the borrower meet; ② Whether the information provided by the borrower is complete; ③ Whether the loan amount, validity period and loan purpose meet the requirements; (4) Whether the determination of the mortgaged property value and mortgage rate is in compliance with the provisions, and whether the determined loan amount is accurate and reasonable; ⑤ Whether the preventive measures for the main risk points of loans are effective, etc.