Legal analysis: 1. Bring a copy of the second-generation ID card, a copy of the household registration book, and the original work certificate with official seal issued by the lender's current work unit.

2. If the self-employed and the person in charge of the company will produce a copy of the business license and the equity certificate.

3. You also need the original personal income certificate, the original personal credit report and the proof of marital status.

4. After preparing the above information, go to the credit department of the bank outlet where the mortgage loan is handled, and there will be an account manager specially responsible for this business to receive the lender.

5. The audit period is usually 7 to 15 working days. After passing, the outlet will inform the lender to go to the outlet to apply for a debit card for loan and repayment.

Legal basis: Article 188 of the Civil Law of People's Republic of China (PRC) requests the people's court to protect civil rights, and the limitation of action is three years. Where there are other provisions in the law, those provisions shall prevail. The limitation period of action shall be counted from the date when the creditor knows or should know that the right is damaged and the debtor knows it. Where there are other provisions in the law, those provisions shall prevail. However, the people's court shall not protect the rights that have been damaged for more than 20 years. Under special circumstances, the people's court may decide to extend the time according to the application of the obligee.