1, first go to the bank to learn about the situation. And check the personal credit information to see if it meets the loan conditions. Then accept the bank's review of you and determine the loan amount. 2. Those who meet the loan conditions can sign a house purchase contract with the developer and provide relevant loan materials (husband and wife ID card, marriage certificate, household registration book, income certificate, down payment receipt, proof of no room, etc.). Next, sign a loan contract with the bank, and the bank will handle insurance. Handle the registration and notarization of property right mortgage. The last thing left is that the bank issues loans, and the borrower cancels the registration after paying off the principal and interest every month. The above is the process of mortgage loan.