Commercial villas can be used as bank mortgages. Apply to the bank for housing mortgage loan first, and prepare the materials to the bank for approval. After the bank has passed the examination, it will sign a loan contract with the borrower, handle the mortgage registration and give the title certificate. Then the bank will transfer the loan to the account designated by the borrower.

Bank mortgage loans can be loaned for up to 30 years, and short-term loans can be loaned for up to 65,438+0 years.