Loan application: 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 proof of marital status.

Housing evaluation: relevant institutions conduct on-the-spot investigation, evaluation (survey) and valuation 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; The interest of Suzhou house mortgage loan is 4-5%, and the longest loan is 10 year. There is no penalty for early repayment, and the repayment method is flexible: interest takes priority, principal and interest are equal, operation is simple, bank threshold is low, and the next repayment takes 5-7 working days;