1. loan application: the borrower proposes the purpose, amount and time of the loan; 2. Preparation of loan materials: The borrower and the mortgagor shall prepare all the documents and certificates required for applying for loans as required; Including my spouse's ID card, household registration book and income certificate. 3. Appraisal of house inspection: relevant institutions conduct on-the-spot investigation, appraisal (survey) and evaluation of mortgaged houses; 4. Apply for a loan: submit all loan application materials together with the evaluation report or opinion to the bank for approval. 5. Mortgage registration procedures. Article 22 of the Measures for the Administration of Urban Real Estate Mortgage, when a real estate mortgage is set, the value of the mortgaged real estate can be determined through consultation by the mortgage parties, and can also be determined by the real estate price assessment agency. Except as otherwise provided by laws and regulations.