1. The borrower submits the loan application and corresponding materials to the bank.

2. After receiving the loan application, the bank will evaluate the borrower's property to determine the value of the house and the loan amount.

3. The bank approves the loan according to the house value and the borrower information.

4. After the loan is approved, the borrower signs a loan contract with the bank.

After the mortgage formalities are completed, the bank will lend the money to the borrower's account.