1, first choose your own house and pay the down payment (20%~30%). Generally, the more down payment, the more interest rate concessions, and the better interest paid. But you said that you have no money, so it is estimated that 20% together will be enough.

2. Prepare mortgage information (ID card, household registration book, marriage certificate or single certificate, income certificate). The above information needs to be original and photocopy, and if you are married, you also need the above information of your spouse. The income on the income certificate must be more than twice the monthly payment.

3. If your household registration is not where you buy a house, you still need to pay the social security certificate in the local area for more than one year.

When you are ready, contact the bank for face-to-face signing, sign the loan slip and many loan contracts, mortgage contracts and so on. Then pay some fees. For commercial loans, the mortgage registration fee is about 100. Provident fund loans also charge thousands of house purchase guarantee fees according to the loan amount.

After the face-to-face signing, just wait for the bank to lend money. After the loan, you will receive the commercial housing sales contract and repayment plan, and then you can repay on a monthly basis.