When you find a suitable house, you should immediately check all the formalities of the house, and at the same time do more preparatory work, issue a certificate of income to the unit and a certificate of no room to the housing management department. 2. Apply for a second-hand housing mortgage loan. After the house seller has agreed on the price, signed the contract and paid the deposit, the buyer and the seller will apply for a second-hand housing mortgage loan at the bank with their identity certificate, household registration book, marriage certificate, house ownership certificate, land certificate (or copy), sales contract, income certificate of the buyer and the seller in the company and proof of no room. 3. Bank acceptance bills. After accepting the application, the banking department will carefully verify the materials, file a copy and report it to the superior bank for approval! 4. Transfer of property. At the same time when the bank approves the loan, the buyer and the seller immediately go to the housing management department to transfer the ownership of the house to the buyer's name and obtain a new house ownership certificate. 5. Real estate mortgage. At this time, the loan application was also approved, and I immediately took the new house ownership certificate and loan contract to the housing management department for mortgage registration and obtained a loan. I hope I can help you.