In the past, it was to pay the down payment first and then sign the commercial housing sales contract, and then apply for mortgage after handing over the house. \x0d\ Now the policy has changed. After you choose a house, you should pay the down payment within the time specified by the developer, and then apply for a bank mortgage. \x0d\ Bank mortgage information is generally as follows: \x0d\ Original ID cards of both parties, photocopies of household registration books of both parties, marriage certificates of both parties, and income certificates of both parties (income certificates are issued according to the needs of different banks, for example, personal income certificates of some banks cannot exceed 5,000, and if they exceed 5,000, they need to provide bank running water for half a year). If you are single, don't bring a marriage certificate, go to the place where your household registration is located and make an unmarried certificate. That's basically it. \x0d\ According to the normal loan process, you should pay the down payment before lending, because the bank will only handle the loan formalities for you if you know that you have the ability to pay the down payment. When you sign in person, the bank will ask the buyer and the seller to sign the "down payment receipt certificate". \x0d\ In practice, most of them pay the down payment before going through the loan formalities. Of course, if there are special circumstances, buyers and sellers can also go through the loan procedures first, pay the down payment and then transfer the ownership. But I suggest you buy a second-hand house with a loan, and you'd better find a regular second-hand house brokerage company to help you with the relevant procedures. \x0d\ The basic process of mortgage loan is as follows: \x0d\ 1. On-the-spot house inspection: loan officers, intermediaries, appraisers, buyers and sellers go to the houses applying for mortgage loans for on-the-spot house inspection; \x0d\2。 Property right verification: the property owner and * * * owner (seller) bring the original ID card and real estate license to the Housing Authority for verification and go through relevant procedures; \x0d\3。 Signing a contract: the bank carefully checks the original information of the customer, authenticates the authenticity of all signatories, supervises the signature of the customer, collects the original real estate license and deposit (the specific amount is determined by the buyer and the seller), copies the information, and reminds both parties to open an account in the bank; \x0d\4。 Fill in the contract: the bank sorts out the information and fills in the contract according to the relevant information provided by customers; \x0d\5。 Payment obligation: the bank informs the customer to pay the fee after passing the pre-trial; \x0d\6。 Transfer of property rights: the buyer and the seller go through the formalities of property rights transfer with the help of the Housing Authority; The Lender prepares relevant materials to go through the mortgage formalities at the bank; \x0d\7。 Bank loan.