It still depends on whether you are a regular bank mortgage loan or a guarantee company. If the bank mortgage is as follows: the borrower proposes the purpose, amount and term of the loan; Preparation of loan materials: the borrower and the mortgagor shall prepare all the documents and certificates required for applying for loans as required; Including: my spouse's ID card, household registration book, income certificate, personal consumption contract and marital status certificate; Property ownership certificate, owner's and spouse's ID card, household registration book and marital status certificate for house inspection and evaluation: relevant institutions conduct on-the-spot investigation and evaluation (investigation) of mortgaged houses; Loan approval: submit all loan application materials together with the evaluation report or opinion to the bank for approval; Notarization of loan contract: after the borrower and mortgagor fill in (loan contract) and all relevant documents, sign them and press their fingerprints, they will be notarized by a notary; Mortgage registration procedures: the bank shall go to the property right office for mortgage registration with the house ownership certificate and notarized loan contract; Opening an account and lending: the borrower opens a repayment account, and the bank lends money to this account (note: in principle, only commercial housing, housing reform housing and anjufang can be used as collateral).