Mortgage zero down payment loan to buy a house is to sign a loan first According to Fangtianxia's inquiry, zero down payment mortgage loan is the first loan to buy a house. First of all, the buyer needs to sign a purchase contract with the seller of the house and pay a certain deposit or down payment. Next, buyers need to apply for loans from banks or other financial institutions, and provide relevant loan materials, such as personal identification, income certificates, purchase contracts, etc. After the loan application is approved, the buyer needs to sign a loan contract with the bank or financial institution, and pay the relevant handling fee and loan interest. After the face-to-face signing, the bank or financial institution pays the loan money directly to the seller, and the buyer becomes the legal owner of the house.