The process of mortgage is as follows:

1, select real estate;

2. Confirm whether the real estate built by the developer is supported by the bank to ensure the smooth acquisition of mortgage loans;

3. Sign a house purchase contract. After examination and confirmation that the purchaser meets the conditions of mortgage loan, a loan consent notice or a mortgage loan commitment letter will be issued;

4. Apply for mortgage loan;

5. Sign a house mortgage contract. Clarify the amount, term, interest rate, repayment method and other rights and obligations of mortgage loans;

6. Apply for mortgage registration and insurance. Under normal circumstances, due to the relatively long term of mortgage loans, banks require buyers to apply for personal and property insurance to prevent loan risks;

7. Open a special repayment account;

8. After handling the relevant formalities, transfer the loan to the bank supervision account opened by the developer in the bank at one time as the purchase price of the property buyer;

9. The borrower shall repay the loan regularly as stipulated in the contract.

The house transfer fee is as follows:

1. deed tax: generally, it is 1% of the house price, and the first suite with an area of less than 90 square meters can pay 1%, the first suite with an area of more than 90 square meters can pay 1.5%, and the first suite with an area of more than 144 square meters can pay 4%, as follows.

(1)1more than 44 square meters;

(2) It is not the first time for the buyer to buy a house;

(3) garage;

(4) Non-ordinary houses.

2. Business tax: 5.6% of the real estate license is less than 5 years old, and the business tax can be exempted if the real estate license is over 5 years old;

3. Personal income tax 1% real estate license is 5 years and the only house is exempt;

4. Transaction cost: 3 yuan per square meter;

5. Surveying and mapping fees: according to the specific regulations of each district;

6. Production cost: one certificate for 80 yuan and two certificates for 90;

7. Appraisal fee: 5 ‰ of the total appraisal amount shall be paid by the bank loan. Mortgage fee 100 yuan, and bank loan needs to be repaid;

8. Proof of purchase: 20 yuan generally needs to open 3 copies;

9. Notary fee standard: If 300 yuan can't handle it in person, he needs to handle this business fee.

Legal basis: Article 672 of the Civil Code of People's Republic of China (PRC).

Lenders may inspect and supervise the use of loans as agreed. The borrower shall regularly provide relevant financial and accounting statements or other materials to the lender as agreed.

Article 9 of the Provisional Regulations of People's Republic of China (PRC) Municipality on Deed Tax.

A taxpayer shall, within 10 days from the date when the tax obligation occurs, file a tax declaration with the deed tax collection authority where the land and house are located, and pay the tax within the time limit approved by the deed tax collection authority.