Legal analysis: need. The specific process of property mortgage for buyers is as follows: 1. Choosing a real estate If buyers want to get real estate mortgage service, they should pay attention to this aspect when choosing a real estate. 2. Apply for a mortgage loan. After confirming that the property you choose has bank mortgage support, the buyer should know the bank's regulations on mortgage loan support for the buyer from the bank or the law firm designated by the bank, prepare relevant legal documents and fill in the mortgage loan application form. 3. The bank that signed the house purchase contract received the relevant legal documents of the mortgage application submitted by the purchaser, and after confirming that the purchaser meets the mortgage loan conditions through examination, it issued a loan consent notice or a mortgage loan commitment letter to the purchaser. 4. After signing the house purchase contract and obtaining the payment voucher, the buyer signs the house mortgage loan contract with the developer and the bank with the relevant legal documents stipulated by the bank, and defines the amount, term, interest rate, repayment method and other rights and obligations of the mortgage loan. 5, mortgage registration, insurance buyers, developers and banks with the "housing mortgage loan contract" and the purchase contract to the real estate management department for mortgage registration.

Legal basis: Article 394 of the Civil Law of People's Republic of China (PRC) guarantees the performance of debts. If the debtor or a third party mortgages the property to the creditor without transferring the possession of the property, the debtor fails to perform the due debt or the creditor has the right to receive priority compensation for the property. The debtor or the third party specified in the preceding paragraph is the mortgagor, the creditor is the mortgagee, and the property that provides guarantee is the mortgaged property.