Housing mortgage loan in Changsha refers to individual housing mortgage loan, referred to as housing mortgage loan. Mortgage buyers fill in the mortgage application form to the loan bank, and provide ID cards, income certificates, housing sales contracts, letters of guarantee and other legal documents that must be submitted. After passing the examination, the loan bank promises loans to the buyers, and handles the real estate mortgage registration and notarization according to the house sales contract provided by the buyers and the mortgage loan contract concluded between the bank and the buyers. The bank directly allocates loan funds within the time limit stipulated in the contract.