1. Choose the right bank: First of all, you need to choose a bank with good reputation and reasonable interest rate as a lending institution. You can make a choice by comparing the loan interest rate, repayment method and loan amount of different banks.

2. Know the loan conditions: After selecting a bank, you need to know the loan conditions of the bank. This includes loan interest rate, loan term, repayment method, required materials, etc. You can consult the manager of the bank or look for relevant information on the bank's official website.

3. Prepare the necessary materials: prepare the required loan application materials according to the requirements of the bank. It usually includes identity certificate, property certificate, income certificate, credit report, etc. Ensure the authenticity and integrity of these materials.

4. Fill in the application form: Fill in the loan application form according to the requirements of the bank. When filling out the form, you must fill in your personal information and loan amount accurately.

5. Submit application materials: Submit the completed application form and required materials to the bank. You can choose to submit materials directly at the bank counter or through the bank's online application system.

6. Waiting for the approval result: the bank will approve your loan application. This process may take some time, so you need to wait patiently. During the waiting period, you can contact the manager of the bank at any time to find out the progress of the application.

7. Sign a loan contract: If your loan application is approved, the bank will sign a loan contract with you. Before signing the contract, read the terms of the contract carefully to ensure that you have a clear understanding of important information such as the interest rate, repayment method and repayment period of the loan.

8. Handling mortgage procedures: handling house mortgage procedures according to the requirements of the bank. Including registering the house mortgage in the name of the bank and paying the corresponding mortgage procedures.

9. Lending and repayment: After the mortgage formalities are completed, the bank will transfer the loan amount to your account in the way agreed in the contract. You need to repay the loan on time and in quantity, so as not to default.

The above is the general operation process of mortgage loan, and the specific operation may be different due to bank policies and personal circumstances. It is recommended that you consult professionals or bank staff before operation to ensure the accuracy and fluency of operation.

To avoid becoming a blacklist of online loans, we should not only pay attention to overdue repayment, but also pay attention to avoiding long-term borrowing. You can check your long-term borrowing through the "pine cone check". Long-term loans mainly refer to recent applications in lending institutions. It is recommended to stop all lending-related operations within three months and give yourself a chance to breathe. In this way, after three months, the natural risk index will be reduced and the blacklist will be eliminated.