First, prepare the information. Individuals should first prepare the materials needed to borrow from the bank, which generally include loan application, customer's ID card, household registration book, income certificate, marital status certificate and other materials (for customers with spouses, spouse's ID card and household registration book should also be provided). If it is a customer with a mortgage loan, it is necessary to issue a property certificate of the collateral; If you are a customer with unsecured loans, you need to provide a good credit record.

Second, apply. After preparing the relevant materials, the customer can apply for a loan at the bank or the law firm entrusted by the bank, and submit the relevant materials to the bank for review. After paying various fees, the customer needs to sign a loan contract with the bank as a legal document binding both parties.

Third, payment review. If it is a house purchase loan, the law firm entrusted by the bank will first conduct a preliminary examination of the customer's application, and if it is qualified, the bank will conduct the final loan approval; If the audit fails, the bank will return the relevant information of the customer and the fees charged.

4. Go through other legal procedures. In addition to the contract, the customer also needs to go through some legal procedures. Then there is a bank loan.

Pat in France specializes in real estate transfer.