Shops purchased in full can't borrow money if they have a record contract, and they need to provide the property right certificate of the shop for pledge before they can borrow money.

Housing mortgage bank loan procedures:

1. Need to open a current deposit account with a banking institution;

2. Please fill in the loan application form as required, and submit the application form and required materials according to the instructions of the bank;

3, by the banking agent or appointed lawyer to conduct home visits, investigate the authenticity, legality and integrity of the information provided;

4. After the approval of the bank, notify the approval result and sign the loan contract;

5. Handle insurance, mortgage registration, notarization and other procedures as appropriate;

6. CITIC Industrial Bank will directly transfer the loan to the account agreed in the contract;

7. Please repay the principal and interest according to the loan contract.