1. The borrower needs to prepare relevant information: before the loan, the borrower needs to provide a lot of information to the bank, including ID card, household registration book, marriage certificate, real estate license and house purchase contract.

2. Bank running statement: according to the value of the house, the bank's mortgage amount is different. In addition to mortgage the real estate license, the bank also needs to avoid risks better.

3. apply for a loan from a bank: the amount of housing loan is generally more than 5, yuan, and the value of the property is less than 7%. The expected annualized interest rate of the loan will be raised by a certain ratio according to the benchmark expected annualized interest rate of the central bank. The loan term is generally 5 to 3 years, and the repayment methods generally include matching principal and interest, and average capital. The former has less repayment pressure in the early stage and the latter has less repayment pressure in the later stage, so the borrower can choose flexibly according to his own situation.

4. Bank review of mortgage: After applying for mortgage, the bank began to review the qualifications of borrowers.

5. After the bank has passed the examination of the borrower's mortgage and agreed to grant the loan, the borrower needs to go to the local delivery room management department at or above the county level to go through the mortgage registration formalities with the bank clerk.

6. The bank obtains the real estate license and lends money: after the above procedures and processes are completed, the bank will lend money to the borrower. However, because it is a housing loan, generally speaking, the bank's loan will be directly paid to the account of the real estate developer and will not be directly paid to the borrower.

Application conditions:

1. A natural person with full capacity for civil conduct, aged between 18 (inclusive) and 65 (exclusive); Foreigners and residents of Hong Kong, Macao and Taiwan who are borrowers should have lived in the People's Republic of China for one year and have a fixed residence and occupation;

2. Have legal and valid identity certificate, household registration certificate (or valid residence certificate) and marital status certificate (or unmarried statement);

3. Have a good credit record and willingness to repay;

4. Have a stable source of income and the ability to repay the principal and interest in full and on time;

5. It can provide legal, effective and reliable house mortgage recognized by the bank;

6. Open a personal settlement account in the bank;

7. Other conditions stipulated by the bank.

according to the scope of collateral, it can be roughly divided into six categories:

(1) inventory mortgage, also known as commodity mortgage, refers to all kinds of goods mastered by labor business, including commodities, raw materials, work-in-process and finished products, and applies for loans from banks.

(2) Customer account mortgage means that customers obtain short-term loans with accounts receivable as collateral;

(3) Securities mortgage, in which various securities such as stocks, bills of exchange, promissory notes, certificates of deposit and bonds are used as collateral to obtain short-term loans;

(4) Equipment mortgage, in which mechanical equipment, vehicles, ships, etc. are used as guarantees to obtain regular loans from banks;

(5) real estate mortgage, that is, the borrower provides real estate mortgage such as land and houses to obtain loans;

(6) mortgage of life insurance policy refers to the establishment of mortgage right on the claim of insurance money, which is limited to the surrender amount of life insurance contract and mortgaged by insurance policy to grant loans to the insured.