Using a villa as a mortgage usually follows the following procedures:

1. Villa owners consult mortgage-related information;

2, determine the lending institutions, the relevant information needed for the loan;

3. Fill in the loan application and submit the materials;

4. Lending institutions accept applications and review materials;

5. After the data is approved, the borrower signs a loan contract with the borrower;

6. After the contract is signed, the borrower goes through mortgage registration, insurance and other procedures;

7. Lending institutions issue loans.