The procedures to be prepared for mortgage loans include the applicant's ID card, household registration book, house purchase contract, stable income certificate issued by the employer and other supporting materials. If the married applicant still needs to provide relevant information about both husband and wife, the bank will review the borrower's loan application and various materials. Only when the conditions are met will a loan commitment letter be issued and a mortgage contract be signed with the borrower.

In addition to personal information, banks will also evaluate collateral or other ownership documents. At present, the evaluation price of new houses is around 70%, and the evaluation price of second-hand houses will be slightly lower. Moreover, the loan period has a certain relationship with the time of housing ownership, especially the loan period of second-hand housing with less time will not exceed 20 years. In addition, banks will pay more attention to borrowers' repayment ability, and they can submit other financial certificates in addition to relevant income certificates.

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