It's not complicated A person can't go to the bank for a loan. Houses belong to the same property, and a person does not fully own the right to use them. If it is ok to borrow money in her name, relevant entrustment and certification materials should be issued. 1. Housing loan application process: 1, China (excluding Hong Kong, Macao and Taiwan) citizens, salaried employees who have worked in the current unit for more than six months (if less than six months, but the work content of this unit is the same as that of the previous unit, and the working years of the previous unit can be accumulated) 18-65 years old, and business personnel who have been in business for more than one year; 2. There are no minors under the age of 18 and no adults over 70 years old (including 70 years old) among the owners of the mortgaged property; 3. If the real estate is mortgaged twice, the first mortgagee of the house must be a bank; 4. The borrower needs to own one or more sets of ownership houses (at least one set of ownership houses in this city). 2. Housing loan application materials: 1, real estate license (the real estate license and land certificate in housing mortgage bank loans must be mortgaged to the bank); 2. Identity cards of the obligee and his spouse; 3. Household register of the obligee and spouse; 4. proof of income; 5. If the owner of the real estate license has minor children, please provide a birth certificate; 6. If the property has a bank loan, please provide the original loan contract and the latest bank statement; 7. In order to improve the pass rate of mortgage loan, please provide other family property certificates (such as other real estate licenses, stocks, funds, cash passbooks, vehicle driving licenses, etc.) as far as possible. ) Article 669 of the Civil Code: When concluding a loan contract, the borrower shall provide the true information about the business activities and financial situation related to the loan according to the requirements of the lender.