Housing mortgage loan process:

1. After the buyer and the seller sign the house purchase contract and pay the down payment, they apply for a loan in the bank. Fill in the loan application form (if married, both husband and wife must come together, but unmarried, they can come alone), and the center staff will issue a loan commitment letter after approval, which will serve as the basis for the buyers to handle the loan procedures.

2. To receive the loan payment voucher receipt of the loan contract with the original ID card, the required process is as follows: acceptance counter (accepting loan application)-safe (handling insurance)-signing counter (signing loan contract)-notarization counter (notarization of contract)-signing counter (receiving loan contract).

3. After obtaining the loan commitment letter and insuring the mortgaged house, you can sign the loan contract and mortgage contract with the bank with the above information, loan commitment letter, bank savings passbook and savings card for repayment and insurance policy, and go through notarization procedures (if the buyer is married, both husband and wife must come together). If the husband and wife or one of them can't sign the contract in person, they need to authorize the other party or a third party to handle the loan-related procedures on their behalf. The power of attorney must be notarized and the trustee has the right to entrust.