1. Submit loan information, and buyers can choose one of the banks to handle housing loans;

2. Loan Qualification Examination The bank examines the loan qualification of the lender, including the authenticity of personal information and income;

3. Sign a loan contract;

4. After the loan process is completed within the loan issuing bank, the loan will be directly issued to the developer.

Legal basis: Article 11 of the Interim Measures for Personal Loans shall meet the following conditions: (1) The borrower is a People's Republic of China (PRC) citizen with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state; (2) The purpose of the loan is clear and legal; (3) The amount, duration and currency of the loan application are reasonable; (4) The borrower has the willingness and ability to repay; (5) The borrower's credit status is good and there is no significant bad credit record.