Parents had better be the guarantors of college students, because the repayment ability is the first, and students have no ability. Parents can be guarantors or others. If parents are disabled, sick, etc. And lose the ability to work, you can let other immediate family members be guarantors. If an orphan, the legal guardian can be the guarantor.

(1) The borrower shall fill in the application form and submit materials to the loan bank, income certificate, valid identity certificate, house ownership certificate, appraisal certificate, house purchase contract and other documents required by the bank.

② The bank examines the lender's application and submitted materials.

(3) The borrower shall submit the certificate of ownership of the collateral to the bank for handling.

④ The loan guarantor signs the housing mortgage contract and notarizes it.

⑤ After signing the contract, the bank will lend money after completing the stamping process. When granting loans, the appraisal agency evaluates the value of the houses purchased.