Bank of China mortgage loan application. The advantage of Bank of China's mortgage loan application is that the loan is very fast. From the submission of the loan application to the completion of the loan, it usually takes 2 months to complete all the processes. Mortgage generally refers to housing loans. A home loan, also known as a home mortgage loan, requires a home buyer to fill in an application form for a home mortgage loan to the lending bank and provide legal documents such as ID card, income certificate, house sales contract, guarantee letter, etc. that must be submitted. document.