Legal analysis: If you apply for a loan with real estate mortgage, the real estate mortgage should be the property of the borrower himself or his immediate family. You must go through the mortgage registration and insurance procedures in accordance with the provisions of the Guarantee Law, and the lender will be given priority in compensation. The insurance period is longer than the loan period. During the mortgage period, the borrower shall not interrupt or cancel the insurance for any reason. During the insurance period, if there is any damage beyond the scope of insurance liability, the borrower shall promptly notify the operating bank and provide other guarantee measures, otherwise the Agricultural Bank has the right to recover the loan in advance.

Legal basis: Article 13 of the Measures for Foreign Exchange Liquidity Loans of China Development Bank. In mortgage loan, the borrower needs to apply for property insurance with the insurance company for the mortgaged physical assets. The insurance period shall not be shorter than the loan period. All rights and interests under the insurance are unconditionally transferred to the bank. The title certificate and insurance policy of the mortgaged property shall be kept by the bank. Insurance compensation first repays the principal and interest of the bank loan. Securities used as collateral shall be kept by banks. After the principal and interest of the loan are paid off, the bank will return the title certificate, insurance policy and attached rights or pledges of the mortgaged property to the borrower.

People's Republic of China (PRC) Commercial Bank Law

Article 38 A commercial bank shall determine the loan interest rate according to the upper and lower limits of the loan interest rate stipulated by the People's Bank of China.

Article 39 A commercial bank shall abide by the following provisions on the management of asset-liability ratio when granting loans:

(1) The capital adequacy ratio shall not be less than 8%.

(2) The ratio of loan balance to deposit balance shall not exceed 75%;

(3) The ratio of the balance of current assets to the balance of current liabilities shall not be less than 25%.

(4) The ratio of the loan balance to the capital balance of a commercial bank to the same borrower shall not exceed 10%.

(5) Other provisions of the State Council Banking Regulatory Authority on asset-liability ratio management.

If the asset-liability ratio of a commercial bank established before the implementation of this law does not meet the provisions of the preceding paragraph after the implementation of this law, it shall meet the provisions of the preceding paragraph within a certain period of time. Specific measures shall be formulated by the State Council.