& (1) Select real estate  When choosing real estate, you should focus on understanding this aspect and further confirm whether the real estate developed and constructed by the developer has the support of the bank to ensure the smooth acquisition of mortgage loans. (2) Loan application

After confirming that the property they choose is supported by a bank mortgage, the home buyer should learn from the bank or the bank's designated law firm about the bank's regulations on the bank's mortgage loan support, and prepare relevant Legal documents, fill in the "Mortgage Loan Application Form". (3) Sign a house purchase contract

The bank receives the legal documents related to the mortgage application submitted by the house buyer. After reviewing and confirming that the house buyer meets the conditions for the mortgage loan, the bank will issue a loan consent notice or a mortgage loan commitment letter to the house buyer. . Home buyers can sign a "Commercial Housing Pre-Sale" with the developer or its agent. (4) Sign a mortgage contract

After signing the house purchase contract and obtaining the proof of payment, the buyer shall sign the "Building Mortgage Loan Contract" with the developer and the bank with the relevant legal documents specified by the bank. Mortgage loan amount, term, interest rate, repayment method and other rights and obligations. (5) Handle mortgage registration and insurance

House buyers, developers and banks should go to the real estate management department to handle mortgage registration and filing procedures with the "Building Mortgage Loan Contract" and the house purchase contract. For off-plan properties, mortgage changes should be registered after completion. Under normal circumstances, because the mortgage loan period is relatively long, banks require home buyers to apply for life and property insurance in order to prevent loan risks. When a home buyer purchases insurance, the bank should be listed as the first beneficiary. The insurance must not be interrupted during the loan performance period, and the insurance amount must not be less than the total value of the mortgage. The insurance policy is handed over to the bank until the loan principal and interest are repaid. (6) Open a special repayment account

After signing the "Building Mortgage Loan Contract", the home buyer will open a special repayment account at a financial institution designated by the bank according to the contract and sign a letter of authorization. , authorizes the institution to pay the bank's loan principal, interest and arrears related to the mortgage loan contract from the account. The bank confirms that the home buyer meets the mortgage loan conditions and fulfills the obligations stipulated in the "Building Mortgage Loan Contract". After completing the relevant procedures, the loan will be transferred to the developer's bank supervision account at the bank at one time as a personal housing loan business for the home buyers' phased guarantee for the purchase price.

I hope my answer can help you!