The house is sold to immediate family members, and if both parties need to meet the loan conditions, they can borrow money. However, if the accounts of immediate family members are together and do not constitute a form of sale, they cannot be transferred together. Housing loan processing flow: 1. The buyer and the seller sign a house sale agreement or a house sale contract; 2. In line with the conditions, the purchaser applies for a loan from the bank and provides relevant certification materials; 3. Conduct housing appraisal (appraisal agency designated by the loan bank); 4 law firms to identify, investigate and analyze the credit certification materials and evaluation reports, and issue legal opinions; 5. After the approval of the loan bank, notify the borrower; 6. After both parties handle the transfer formalities, the borrower goes to the bank to handle the loan formalities; 7. The borrower signs a mortgage loan contract with the bank; 8. Go through the mortgage registration formalities; 9. After the loan contract comes into effect, the loan bank transfers funds; 10. The borrower repays the loan according to this contract; 1 1. After the borrower pays off the principal and interest of the loan, it cancels the mortgage guarantee with the bank.

Legal objectivity:

Article 35 of the Law of People's Republic of China (PRC) Commercial Bank shall strictly examine the borrower's loan purpose, repayment ability and repayment method. Commercial bank loans shall be subject to the system of separating loan review from grading approval. Article 36 of the Law of People's Republic of China (PRC) Commercial Bank, the borrower shall provide a guarantee for the loan of a commercial bank. Commercial banks should strictly examine the repayment ability of guarantors, the ownership and value of collateral, and the feasibility of realizing collateral. After examination and evaluation by a commercial bank, it is confirmed that the borrower has a good credit standing and can repay the loan, and no guarantee may be provided.