(1) house selection: property buyers who want to obtain mortgage services should focus on this aspect when choosing real estate. When buyers learn that some projects can apply for mortgage loans in advertisements or through the introduction of sales staff, they should further confirm whether the real estate developed and built by developers has won the support of banks to ensure the smooth acquisition of mortgage loans. (2) Application: After confirming that the property you choose has bank mortgage support, the buyers who apply for mortgage loans should understand the bank's regulations on mortgage loan support for buyers, prepare relevant legal documents and fill in the mortgage loan application form. (III) Signing: The bank that signed the house purchase contract received the legal documents related to the mortgage application submitted by the house buyer, and after checking and confirming that the house buyer meets the mortgage loan conditions, it issued a loan consent notice or a mortgage loan commitment letter to the house buyer. Property buyers can sign the "Pre-sale Sales Contract of Commercial Housing" with developers or their agents. After signing the house purchase contract and obtaining the payment voucher, the purchaser signs the house mortgage loan contract with the developer and the bank with the relevant legal documents stipulated by the bank, stipulating the amount, term, interest rate, repayment method and other rights and obligations of the mortgage loan. (4) Go through relevant formalities: go through mortgage registration. Insurance buyers, developers and banks shall go through mortgage registration with the real estate management department on the basis of the Building Mortgage Loan Contract and the house purchase contract. If the house is delivered in advance, the mortgage registration shall be changed after completion. Under normal circumstances, due to the relatively long term of mortgage loans, banks require buyers to apply for personal and property insurance to prevent loan risks. Property buyers should list the bank as the first beneficiary when purchasing insurance, and the insurance shall not be interrupted during the loan performance, and the insurance amount shall not be less than the total value of the collateral. The policy was handed over to the bank before the principal and interest of the loan were paid off. (V) Completion: After the house mortgage loan contract is signed, the buyer opens a special repayment account in the financial institution designated by the bank according to the contract, and signs a power of attorney to authorize the institution to pay the bank's loan principal and interest and the arrears related to the mortgage loan contract from this account. The bank is confirming that the buyers meet the mortgage loan conditions and fulfill the obligations stipulated in the building mortgage loan contract. After handling the relevant formalities, the loan will be transferred to the bank supervision account opened by the developer in the bank as the purchase money of the purchaser.