Hello! According to reason, apply for a loan first. After the bank loan is approved, the transfer of property rights can only be handled by the bank's loan agreement, mortgage registration application form, original loan contract between the lender and the bank, copy of bank business license, copy of president's ID card, power of attorney and other related materials. After the real estate trading center issues the certificate of other rights, it will hand it over to the bank, which will directly lend the money to the same bank account of the owner after it is approved.