Legal analysis: 1. Both husband and wife should prepare corresponding loan materials together, such as ID card, household registration book, marriage certificate, income certificate, etc. 2. Both husband and wife go to the bank outlet to fill in the loan application form and submit relevant materials. 3. The bank will arrange staff to conduct face-to-face examination of the couples applying for loans, and everyone can answer the questions truthfully.

4. After receiving the notice that the mortgage has been approved, the husband and wife will sign a loan contract at the bank and go through the mortgage (pledge) registration, notarization and other procedures as appropriate.

5. Wait for the bank to transfer the mortgage funds to the developer's corporate account at one time.

Legal basis: Civil Code of People's Republic of China (PRC).

Article 297 A realty or chattel may be jointly owned by two or more organizations or individuals. Co-ownership includes joint ownership by shares and joint ownership.

Article 298 Co-owners by shares shall enjoy the ownership of jointly owned immovable property or movable property according to their shares.

Article 299 Co-owners by shares shall jointly enjoy the ownership of the jointly owned immovable property or movable property.