Legal analysis: sign a house purchase contract first, then apply for a loan and a mortgage. You must provide a house purchase contract to the bank, otherwise you can't apply for a loan. You need to sign the contract online. After successful filing, you can apply for a loan at the bank. Then there is the handling of property rights. After obtaining the certificate, the bank will lend money.

Legal basis: Civil Code of People's Republic of China (PRC).

Article 667 A loan contract is a contract in which the borrower borrows money from the lender, repays the loan at maturity and pays interest.

Article 680 usury is prohibited and the loan interest rate shall not violate the relevant provisions of the state. If there is no agreement on the payment of interest in the loan contract, it shall be deemed that there is no interest. If the loan contract does not specify the payment method of interest, and the parties cannot reach a supplementary agreement, the interest shall be determined according to the local or the parties' trading methods, trading habits, market interest rates and other factors; Loans between natural persons are regarded as interest-free.