The procedure of divorce housing loan is to submit a written loan application to the bank with ID card, household registration book, divorce certificate, divorce agreement, real estate license and other materials; Banks review the qualifications of borrowers and open accounts by signing loan contracts, guarantee contracts and entrusted deduction agreements; Go to the real estate management department for mortgage registration and use the loan. According to Article 25 of the General Rules for Loans, if a borrower needs a loan, he should directly apply to the agent bank of the host bank or other banks. Before marriage, one party pays the down payment, and after marriage, both men and women repay the loan. If the property is registered in the name of the down payment party, it can be regarded as the registered party's property, but the specific division also needs to be treated differently. The down payment is regarded as the personal property of the down payment party, and the rising part of the house after marriage and the repayment part are regarded as the same property, unless otherwise agreed by the husband and wife. If the mortgage is not paid off at the time of divorce, it is regarded as the personal debt of the property owner. It should be noted that the repayment part of * * *, whether it is repaid by one party's personal salary or by the wages of both parties, should be regarded as the property of husband and wife. Of course, if one party can really prove that its repayment funds come from personal premarital property, then this part should not be recognized as marital property. In case of divorce, the husband and wife should discuss it themselves. If no agreement can be reached, the people's court will generally award the property to the party who signed the real estate license, and the mortgage will be repaid by itself in the future. But for the other party, it needs to be compensated according to the repayment amount and the rising part of the house. After buying a house, the mortgage is paid off with the income of one party, but during the marriage, the income of one party is also due to the joint property of the husband and wife, so the house belongs to the same property, which is divided by both parties through consultation, and no lawsuit can be reached through consultation. At the time of divorce, the property of husband and wife shall be handled by mutual agreement; If the agreement fails, the people's court shall make a judgment based on the specific circumstances of the property and the principle of taking care of the rights and interests of the children and the woman. The rights and interests enjoyed by husband and wife in the contracted management of family land are protected according to law.

Legal objectivity:

Article 210 of the Civil Code of People's Republic of China (PRC) * * * Real estate registration shall be handled by the registration agency where the real estate is located. The state implements a unified registration system for real estate. The scope, organization and method of unified registration shall be stipulated by laws and administrative regulations. Article 211 of the Civil Code of People's Republic of China (PRC) * * * When applying for registration, the parties concerned shall provide the ownership certificate, real estate boundary, area and other necessary materials according to different registered items.