How to get a loan when buying a house with my sister? There will only be one main lender for each mortgage, and the bank will only review the economic and credit situation of the main lender and his family. Although there is only one main lender, the mortgaged house belongs to the two sisters, and this creditor's rights relationship needs to be handled by the sisters themselves. In addition, although the loan is a major lender, all owners must attend the signing and approval of the loan procedure. When buying a house by mortgage loan, buyers generally go through the mortgage loan formalities according to the following steps: 1. Sign a house purchase contract with the developer. At this time, it is necessary to check whether the developer has five certificates: state-owned land use permit, construction land planning permit, construction project planning permit, housing construction permit and commercial housing sales (pre-sale) permit. 2. Pay the down payment and pay attention to keep the down payment receipt. 3. Fill in the personal housing loan application form in the bank. Developers will generally sign cooperation agreements with one or several banks, and it will be more convenient to handle mortgage loan agreements with banks that have agreements with developers. Bring the down payment receipt, commercial housing sales contract, ID card, city residence booklet (temporary residence permit for more than one year for non-local accounts), income certificate and other originals and copies to the bank to fill in the application form for personal housing loan. 4. Banks review mortgage applications. The bank's credit staff will review and approve the materials submitted by the applicant step by step. If it is considered that it meets the conditions of bank loans, the applicant shall be notified to sign the Individual Housing Mortgage Loan Contract, and the contract period shall not exceed 30 years. 5. Go to the Housing Authority to apply for the certificate of other rights of the house, which proves that the house has the mortgage right of the bank. Go to the notary department for notarization of property right mortgage. Go to the insurance company to apply for family insurance. The above procedures will generally be handled by the bank. 6. Open an account. Customers who choose entrusted deduction for repayment need to sign an entrusted deduction agreement with the bank, and open a special savings passbook account, savings card or credit card account for repayment at the business outlets designated by the lending bank. At the same time, the seller shall open a settlement account or deposit account with the loan bank. 7. Recover the loan. With the consent of the lending bank, the lending bank will directly transfer the loan to the deposit account opened by the borrower in the lending bank, or transfer it to the deposit account opened by the seller in one lump sum or by stages according to the loan contract. 8. Repay as agreed. The borrower must repay the principal and interest of the loan according to the repayment plan and repayment method agreed in the loan contract, otherwise the bank can recover the house according to law. 9. Repay the loan. After the loan principal and interest are settled, the mortgage registration is cancelled, and the buyer becomes the real owner of the house. In fact, the whole process of applying for a mortgage from a bank has nothing to do with several people buying a house. In other words, although the property owner of this house is shared by two sisters, the main lender needs to be determined by the two sisters themselves through consultation. If the name of the guarantor reserved by the bank is Sister, the bank will mainly examine the solvency of Sister and the financial situation of the family, and there is no way for the two sisters to apply for a loan together.