1. Determine the purchase budget: First, you need to determine your own purchase budget, including down payment and loan amount. You can evaluate the price range of affordable housing according to your income, household expenses and liabilities.

2. Choosing a lending institution: Choose a suitable lending institution according to your own needs and conditions. You can learn about the loan policies and interest rates of different institutions through banks, credit cooperatives, real estate agents and other channels.

3. Submit a loan application: submit a loan application to the selected lending institution. Usually need to provide personal identification, proof of income, bank running water and other related materials. According to the requirements of different institutions, it may be necessary to provide documents such as house purchase contract and real estate license.

4. Loan approval: The lending institution will evaluate the applicant's credit status, income and liabilities, and approve the loan. The approval results are usually given within a certain period of time.

5. Sign a loan contract: If the loan application is approved, the applicant needs to sign a loan contract with the lending institution. The contract will specify the loan amount, interest rate, repayment method and other related terms.

6. Mortgage procedures: Housing loans usually need to be mortgaged, with the purchased house as collateral. Applicants need to provide relevant property certification documents and go through the mortgage registration formalities at the lending institution.

7. Loan purchase: After the loan approval and mortgage procedures are completed, the lending institution will transfer the loan amount to the account of the purchaser. Buyers can use the loan amount to complete the purchase transaction.

8. Repayment: Housing loans usually need to be repaid in accordance with the agreed repayment methods and deadlines. Property buyers need to repay on time to ensure the normal repayment of loans.

The above is the general process of buying a house by loan, and the specific process may be different due to different regions and lending institutions. In the whole process, it is recommended that buyers maintain good communication with lending institutions, provide the required materials in time, and understand the relevant policies and terms.

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