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This article is to help all the people who are in need to get the procedures followed by a bank in case of mortgaging. The main procedures involve the property that will be mortgaged will be checked for its originality and ownership. The mortgage leads has to be completely known by the person who is mortgaging. Not only that the mortgage lead must be properly channelized and proper documents have to be provided regarding it to the bank. Verification of the data will be done in two steps. One is done by the office and authority and the other is by the manager and this co. The procedures are followed in steps and each thing will be done as slow as possible to avoid the cheats involved with it. And then the money is given to the person by the manager himself after verifications. Then is the post processing is done. The regular monitoring of the process is done and regular collection of interest usually in the monthly basis and only in some cases as yearly basis is done. In case of faults summon is sent in some banks they use big guys to do it. This is followed by the return of money.