Legal analysis: 1. If you have obtained the real estate license, then four copies are enough, one for yourself, two for the bank to handle and keep, and one for the Housing Authority (Housing Registration Center); You can get a loan when you are finished.

2. If the house is an auction house, in addition to the above four copies, the real estate developer also needs one. Housing mortgage loan, also known as mortgage loan, means that the bank provides the lender with most of the purchase price, and the buyers pay the principal and interest to the bank in installments with stable income, but before paying off the principal and interest, they mortgage the bank with their own purchase contract as collateral. If the buyer fails to pay the principal and interest on time, the bank can sell the house to offset the arrears.

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

Article 667 A loan contract is a contract in which the borrower borrows money from the lender, repays the loan at maturity and pays interest.

Article 668 A loan contract shall be in written form, unless otherwise agreed between natural persons. The contents of a loan contract generally include terms such as loan type, currency, purpose, amount, interest rate, term and repayment method.