1. The lender needs to first determine whether the house purchase is supported by the bank and whether it can operate the mortgage house purchase business (the house agent or the owner can determine it, or directly go to the bank to determine it);

2. After the purchaser confirms that the house can apply for mortgage loan, he/she will fill in the Application Form for House Mortgage at the loan bank and prepare the application materials;

3. The materials that the buyer (lender) needs to prepare are as follows: ID cards of husband and wife, household registration book (temporary residence permit and household registration book are required for foreigners), and 2 copies of marital status certificate;

4. Work certificate and income certificate (format specified by the bank); Proof of address (certificate issued by neighborhood committee or invoice of water and electricity fee paid in recent 3 months);

5. Credit certificate: including education certificate, other real estate, bank running water, large deposit certificate, etc. (in order to improve the trust of banks and get loans better);