Step 1: Choose different application methods according to different purposes: 1 for business operation. You can apply to the bank with business license, tax registration certificate, organization code certificate, loan card, articles of association, capital verification report, financial statements, etc. , as well as your own and spouse's ID card, marriage certificate, mortgagor's household registration book, mortgagor's and spouse's ID card and marriage certificate. 2. In case of consumption, apply to the bank with ID card, marriage certificate, use certificate, proof of salary and income, mortgagor's household registration book, mortgagor's spouse's ID card and marriage certificate. Step 2: After the bank accepts your application, sign the contract and go through the formalities of handing over the house after approval. If you want a loan, I recommend you to go to Beijing Anze Garden! More formal!