The bank will first evaluate your property through the appraisal company, and then give the appraisal report. Loans are granted at 70% of the assessed value. Generally, you should provide: ID card, household registration book, proof of marital status, proof of income, and a copy of the company's business license with official seal. The bank will examine your loan eligibility and then approve the loan. After the loan is approved, you should go to the Housing Authority for mortgage registration. After a certain period of time, you will complete the mortgage registration and then issue certificates of other projects. After seeing the certificates of other projects, the bank will issue loans to the applicants. The interest rate is implemented according to the commercial loan interest rate.