First, how to apply for a loan to buy a house, what is the way? The ways to apply for a loan to buy a house are: (1) The borrower applies for a loan from the loan bank and provides relevant information to the loan bank. (2) After accepting the loan application, the loan bank shall organize personnel to conduct investigation and approval. (3) After investigation and approval, the borrower is required to open a deposit account or bank card in the loan bank, sign a loan contract with the borrower and the mortgagor, and go through mortgage registration and insurance procedures. (4) After completing the above procedures, the loan bank will issue the loan on the same day and transfer the money to the deposit account or bank card opened by the borrower in the loan bank. 5. The borrower shall deposit enough money in his wealth management card account before 20th of each month (quarter) and pay off all principal and interest on the due date. Second, the concept of buying a house by loan refers to the loan business in which the buyer applies for a loan from the bank to pay the purchase price with the building in the house transaction as collateral, and then the buyer pays the principal and interest to the bank in installments, also known as the house mortgage loan. Mortgage means that the buyer fills in the mortgage loan application form to the bank and provides legal documents such as ID card, income certificate, house sales contract and guarantee letter. The bank promises to grant loans to the buyer after passing the examination, and handle the real estate mortgage registration and notarization according to the house sales contract provided by the buyer and the mortgage loan contract concluded between the bank and the buyer. The bank directly transfers the loan funds to the seller's account within the time limit stipulated in the contract. 3. What are the conditions and procedures? People are most concerned about the conditions and procedures of mortgage loans. First of all, the materials to be provided for mortgage loan are: 1, the ID card of the applicant and spouse, and the original and photocopy of the household registration book (if the applicant and spouse are not in the same household registration, a marriage certificate should be attached). 2. The original purchase agreement. 3. 1 Original and photocopy of advance payment receipt for 30% or more of the house price. 4. Proof of the applicant's family income and related assets, including salary slips, personal income tax returns, income certificates issued by the unit, bank deposit certificates, etc. 5. The developer's collection account number is 1 copy. Buying a house with a loan is the first choice for most buyers at present. Provide relevant materials according to the requirements of banks or lending institutions, sign loan contracts according to their procedures, and then pay back each installment as agreed. It should be noted that many financial institutions can handle real estate loans at present, but they must carefully judge their qualifications to avoid being deceived.