(1) The borrower shall fill in the Application for Mortgage of Residential Houses before lending, and submit the following supporting materials issued by the bank: the borrower's fixed income certificate issued by the borrower's unit; Credit certification documents such as business license and legal person certificate of the loan guarantor; Legal and valid identity certificate of the borrower; The relevant certificate of the ownership of the house or the certificate that I have the right to the house according to law; Appraisal report, appraisal report and insurance documents of mortgaged real estate; Contracts, agreements or other supporting documents for the purchase and construction of houses; Other documents or materials required by the lending bank.

(2) The bank examines the borrower's loan application, house purchase contract, agreement and related materials.

(3) The borrower shall hand over the title certificate, insurance policy or securities of the collateral to the bank for safekeeping.

(4) The guarantors of both borrowers and borrowers sign the Housing Mortgage Loan Contract and notarize it.

(5) After the loan contract is signed and notarized, the bank's deposits and loans to the borrower are transferred to the selling unit or building unit specified in the purchase contract or agreement.

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