In principle, apply for a loan first. After the bank loan is approved, the transfer of property rights can only be handled with the bank loan agreement, mortgage registration application form, original loan contract between the lender and the bank, copy of bank business license, copy of president's ID card, power of attorney and other related materials. After the certificate of other rights is issued by the real estate trading center (20 working days), it will be handed over to the bank, and after it is approved by the bank (3-5 working days), it will be directly loaned to the same bank account of the landlord. The above are Shanghai standards for reference!