1. Buyers who choose real estate should pay attention to this aspect when choosing real estate if they want to obtain mortgage service. When buyers learn that some projects can apply for mortgage loans in advertisements or through the introduction of sales staff, they should further confirm whether the real estate developed and built by developers has won the support of banks to ensure the smooth acquisition of mortgage loans. 2. Apply for a mortgage loan. After confirming that the property you choose has bank mortgage support, the buyer should know the bank's regulations on mortgage loan support for the buyer from the bank or the law firm designated by the bank, prepare relevant legal documents and fill in the mortgage loan application form. 3. The bank that signed the house purchase contract received the relevant legal documents of the mortgage application submitted by the purchaser, and after confirming that the purchaser meets the mortgage loan conditions through examination, it issued a loan consent notice or a mortgage loan commitment letter to the purchaser. Property buyers can sign the "Pre-sale Sales Contract of Commercial Housing" with developers or their agents. 4. Signing a building mortgage contract After signing the house purchase contract and obtaining the payment voucher, the buyer signs a building mortgage loan contract with the developer and the bank with the relevant legal documents stipulated by the bank, specifying the amount, term, interest rate, repayment method and other rights and obligations of the mortgage loan. 5, mortgage registration, insurance buyers, developers and banks with the "housing mortgage loan contract" and the purchase contract to the real estate management department for mortgage registration. If the house is delivered in advance, the mortgage registration shall be changed after completion. Under normal circumstances, due to the relatively long term of mortgage loans, banks require buyers to apply for personal and property insurance to prevent loan risks. Property buyers should list the bank as the first beneficiary when purchasing insurance, and the insurance shall not be interrupted during the loan performance, and the insurance amount shall not be less than the total value of the collateral. The policy was handed over to the bank before the principal and interest of the loan were paid off. 6. After the signing of the mortgage loan contract, the buyer opens a special repayment account in a financial institution designated by the bank according to the contract, and signs a power of attorney to authorize the institution to pay the bank's loan principal and interest and the arrears related to the mortgage loan contract from this account. The bank is confirming that the buyers meet the mortgage loan conditions and fulfill the obligations stipulated in the building mortgage loan contract. In real life, due to the high housing prices, the vast majority of property buyers buy a house through mortgage loans to pay for the house. However, property buyers should not trust the seller's promise when buying a house, sign a purchase contract with the seller prematurely and apply for a bank mortgage loan. Once the bank does not approve the loan request of the buyers, it will bring a lot of trouble to the buyers. In practice, if you encounter a similar situation and don't know how to solve it, I suggest you consult an expert lawyer in real estate.