1. Prepare the identity certificate, household registration book, marriage certificate, house ownership certificate, land certificate (or copy), business license and other materials of both husband and wife.

2. Apply to the appraisal company for appraisal with identity certificate and house ownership certificate.

3. Take the prepared materials and evaluation report to the bank to apply for a loan and sign a loan contract.

4. After accepting the application, the bank shall carefully verify the authenticity of the materials, visit the business premises on the spot, and report to the superior bank for approval after meeting the requirements.

5. After the approval of the superior bank, apply for mortgage to the housing management department with ID card, loan contract and house ownership certificate, and the housing management department will handle the mortgage registration after accepting it, and issue his right certificate.

6. Take his certificate of rights to the bank for a loan.