1. Identity card and residence booklet of this Municipality; In addition to their ID cards and household registration books, non-residents of this city also need to provide household registration certificates or temporary residence permits provided by the household registration management department of their original place of residence. Minor residents need to provide birth certificates. The lender must have a stable and legal income, and at the same time be able to provide corresponding income certificates.

2. Bank preliminary examination. After accepting the loan application, the handling bank before the loan will make a real investigation on the completeness, authenticity, validity and legality of the application form and the required materials submitted by the loan applicant. Through the pre-loan investigation, the bank prepares for the examination and approval of applicants who are considered to meet the loan conditions.

3. Buy insurance. Under normal circumstances, due to the relatively long term of mortgage loans, banks require property buyers to apply for property insurance to prevent loan risks.

4. Sign a housing mortgage loan contract. After investigation, examination and approval, the loan contract is signed, and after the bank completes the registration and notarization procedures, the applicant is notified to sign the housing mortgage loan contract with the contract.

5. Handle the transfer of house property rights. Both buyers and sellers should go to the Housing Authority to handle the transfer of property rights. Information provided: ID cards of buyers and sellers, real estate licenses, deed tax certificates, and commercial housing sales contracts issued by the Housing Authority. If the area exceeds 200 square meters, it is necessary to provide a transaction evaluation report and copy the information.

6. Go through the mortgage registration formalities. After the transfer of housing property rights is completed, the bank will handle the mortgage and get his warrants 7 days after the mortgage.

7. Bank loans. The trading center issues the certificate, the bank retrieves his right certificate, and the bank lends money. After the bank lends money, it needs to provide the borrower's deed tax certificate and a copy of the real estate sales contract to the bank, and the intermediary agency also needs to stamp the official seal on the second-hand house mortgage transfer confirmation.

Property buyers should also pay attention to the loan amount and repayment method when applying for a house. For the monthly mortgage payment, you should choose the range that you can bear, and you can't covet to bear more pressure in a short time, otherwise it will lead to mortgage default.