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 owned by two or more organizations or individuals. * * * includes * * * and * * * with * * *.

Article 298 A person who owns a real estate or chattel owned by * * * shall enjoy ownership in proportion.

Article 299 Some people of * * * and * * * are entitled to the real estate or chattel owned by * * * *.