Second, all the banks you visit, such as Minsheng, China Merchants Bank, Zheshang, Chouzhou and Ningbo Shang Tong Bank, can be used. Only one mortgage is a bank mortgage. Every family has different requirements. In addition to banks, there are some large institutions that trust companies can also handle. The interest rate is comparable to that of banks.

The process of mortgage housing is divided into two mortgage:

1. With the consent of the bank, the buyer and the seller conduct real estate transactions and sign a house purchase contract or letter of intent.

2. Apply for a loan from the bank and submit relevant materials.

3. After investigating and verifying the borrower's credit status, the bank shall notify the borrower of the review results. The bank agrees to sign contracts with borrowers and guarantors, and agrees to sign supplementary contracts for housing mortgage loans with sellers. The loan amount paid by the seller is enough to repay the difference between the seller's interest and the loan principal and interest.

4. The borrower entrusts the bank to handle the formalities of real estate transaction transfer, mortgage registration and real estate insurance with the seller.

5. After obtaining the property right certificate of land and house, the bank will transfer the loan funds to the mortgage loan account and related accounts of the seller at the original loan outlets to repay the mortgage loan principal and interest owed by the seller, and then transfer the remaining funds to the account opened by the seller in the bank.