1. Bank loans are mortgaged by houses and land, and there is no need to file with the Housing Authority and the Land Administration respectively. Just go to the housing management office (the real estate trading center in some places) to prove other projects. The documents of other projects are kept by the bank, and the real estate license and land certificate depend on the bank. Some banks will accept it, while others will not. \x0d\2。 The process of mortgage loan; \x0d\ 1。 Lender's application: \x0d\ The borrower fills in the Application Form for Personal Housing Loan at the loan bank and submits the following materials: \x0d\① Borrower's ID card and household registration book; \x0d\② Letter of intent for the house purchase contract or other supporting documents; \x0d\③ The certificate of stable economic income of the borrower's family issued by the borrower's unit; \x0d\④ Other certificates required by the lending bank. \x0d\ x0d \ 2。 Audit of the loan bank: \ x0d \ The loan bank will audit the borrower's loan application and other supporting materials, issue a loan commitment letter after the approval, and sign a mortgage contract with the borrower. \x0d\\x0d\3。 The borrower signs the house purchase contract with the house selling unit: \x0d\ The borrower signs the house purchase contract with the house selling unit with the loan commitment letter issued by the loan bank, and requires the house selling unit to sign the house acceptance contract. \x0d\ x0d \ 4。 Home insurance: \ x0d \ The borrower mortgages home insurance at the insurance institution designated by the loan bank with the house purchase contract. \x0d\ x0d \ 5。 Signing a personal housing mortgage loan contract: \ x0d \ The borrower signs a personal housing mortgage loan contract with a third party (legal person) guarantor in the loan bank with a house purchase contract, mortgage contract, custody contract and insurance policy, and goes through the mortgage registration with the real estate management authority within 30 days. If the parties request notarization, they can go to the notary office for notarization. \x0d\\x0d\6。 Loan bank transfer: \x0d\ The loan bank transfers the loan to the deposit account of the house selling unit specified in the house purchase contract.