Housing loan, also known as housing mortgage loan, is an application form for property buyers to apply for housing mortgage loan from a loan bank, and provides proof documents that must be submitted according to legal documents, such as ID card, income certificate, housing sales contract and guarantee. The lending bank passed the examination.

Promise loans to buyers, and handle real estate mortgage registration and notarization according to the house sales contract provided by buyers and the mortgage loan contract concluded between banks and buyers. The bank will directly transfer the loan funds to the account of the seller's unit in the bank within the time limit stipulated in the contract.