Personal housing mortgage loan procedures:
1. The commercial house purchased by the property buyer must be the commercial house of the real estate development company that signed the mortgage agreement with the bank;
2. Sign a house purchase contract with a real estate development enterprise, and pay a down payment of 20% of the total house purchase price;
3. Apply to the bank for housing mortgage loan and submit relevant materials;
4. The bank investigates the borrower and the information provided, and informs the borrower to go through the loan formalities at the bank if it meets the requirements;
5. Insure the purchased house according to the loan term;
6. The borrower mortgages the purchased commercial house to the bank, and the real estate enterprise goes to the relevant department for mortgage registration, and submits the house ownership certificate to the bank for safekeeping.