1. The buyer and the seller sign a house purchase and sale agreement or a house purchase and sale contract;

2. Eligible buyers apply for loans from loan banks and provide relevant certification materials;

3. The buyer and the seller go to the appraisal institution designated (recognized) by the loan bank to conduct house appraisal;

4. The law firm shall identify, investigate and analyze the borrower's credit certification materials and evaluation reports, and issue legal opinions.