The buyer's mortgage loan purchase process is as follows: \x0d\ 1. Bank credit (go to the People's Bank to check the buyer's credit); \x0d\2。 Property right investigation (investigating whether the property is mortgaged, sealed up, analyzed and inherited, and the owner of the property right); \x0d\3。 Pay the down payment to the seller and reserve the balance of the house payment; \x0d\4。 When the house is transferred, the bank will review the loan conditions; \x0d\5。 The bank issues loans to the seller's account; \x0d\6。 Both parties jointly deliver the property (water, electricity, gas, heating and property fees, and the original owner's account must be moved out); \x0d\7。 Pay the final payment to the seller.