Consultation on the mortgage loan process of CCB (1): The loan applicant can go to any "personal loan" branch of CCB Jinan Branch, or go to the bank-enterprise liaison of the developer to inquire about the specific type, term, amount, interest rate level and repayment method of this kind of loan and obtain relevant information. (II) Acceptance: The loan applicant can sign a letter of intent with the seller of the house, and after paying the deposit, get the loan application form from the loan construction bank or the bank-enterprise joint office. After the application form is filled in and signed by the guarantor, it can be submitted to the bank together with all the required materials, or it can be submitted by the bank-enterprise joint office. (3) Examination and approval: After the credit personnel have made a preliminary examination of the written materials of the customers, they will conduct on-site inspection on the credit standing of the loan inviter and issue the investigation opinions of the first responsible person, and then report them to the superior for examination and approval. After approval, a bank loan commitment letter will be issued, which is valid for one month. (4) Signing a contract to issue loans: The loan applicant signs a formal house purchase contract with the seller with the bank loan commitment letter, and pays more than 30% of the advance payment, and then signs a loan contract, mortgage contract, etc. With the original purchase, payment receipt, letter of commitment and personal seal, we can get a loan from China Construction Bank and pay relevant fees. The loan contract shall come into effect after being signed and sealed by both parties. At the same time, the borrower shall receive the relevant contract text and repay the principal and interest from the month of loan according to the repayment plan.