Second, the process for banks to handle mortgage loans is as follows:

Materials prepared by the lender: ID card, household registration book, marriage certificate, income certificate and bank account;

Then go to the bank to sign a loan contract;

The bank will review the credit information of the lender and the lender's family. If there is no problem with the credit information, it will call to review the authenticity of the information submitted by the lender;

After the approval, the bank will ask the lender to take the property right certificate to the bank;

The bank lends money after getting a mortgage from the Housing Authority.