Mortgage loans are available from every bank. Loan preparations are as follows:

1. Prepare relevant materials for application: ID card, house purchase contract, income certificate, bank statement, etc.

2. Preliminary review by the bank: After accepting the loan application, the loan handler will check the completeness, authenticity, validity and legality of the "Application Form" submitted by the loan applicant and the required information. Conduct an authentic review. After pre-loan review, the bank will prepare applications for approval for applicants who are deemed to meet the loan conditions.

3. Purchase insurance: Under normal circumstances, due to the relatively long mortgage loan period, banks require home buyers to apply for property insurance in order to prevent loan risks.

4. Sign the "Housing Mortgage Loan Contract": After investigation, review, and approval, the loan contract is signed. After the bank completes the registration and notarization procedures, the applicant will be notified to pick up the contract and sign the "Housing Mortgage Loan Contract" 》.

5. Handle the transfer of house property rights: Buyers and sellers should go to the Housing Authority to handle the transfer of house property rights.