1. After the applicant chooses a good house, pay the down payment and sign a house purchase contract with the developer;

2. Take the ID card, household registration book, house purchase contract, real estate license and other materials needed to apply for a mortgage to the local postal bank;

3. Apply for a loan, take the application form and fill it out;

4. Submit the application form and related materials to China Postal Bank;

5. The bank examines and evaluates the application materials submitted by the borrower;

6. After approval, the borrower signs a loan contract with the bank;

7. Then the borrower goes through the mortgage registration formalities and the bank lends money to the designated account.