The usual procedure is as follows:

1. Borrower's pre-loan consultation: Fill in the Application for Mortgage of Residential Houses and submit the following supporting materials to the bank.

2. The bank examines the borrower's loan application, purchase contract, agreement and related materials.

3. The borrower shall hand over the title certificate, insurance policy or securities of the collateral to the bank for safekeeping.

4. The borrower and the guarantor of both parties sign the housing mortgage loan contract and notarize it.

5. After the loan contract is signed and notarized, the bank's deposits and loans to the borrower are transferred to the selling unit or building unit specified in the purchase contract or agreement.

6. loan settlement. Loan settlement includes normal settlement and early settlement. One is normal settlement. The first is to propose reconciliation. Before the maturity date of the loan, if the borrower settles part or all of the loan in advance, he must apply to the bank in advance according to the loan contract, and repay the loan at the designated accounting counter after being approved by the bank.

Extended data:

Matters needing attention for full mortgage loan:

1. Determine the responsible person when it appears according to the rights and obligations of the parties. For example, if the buyer cannot repay the loan according to the contract, the bank and the developer as the guarantor should be the defendants. Property buyers and developers appear, and banks, as the undertakers of the results, should also participate in the litigation.

2. Buyers cannot transfer the ownership and use right of the house without authorization, nor can they mortgage the house repeatedly. Those who transfer or set up duplicate mortgages without authorization shall bear corresponding legal consequences.

3. If the purchaser fails to fulfill his obligations seriously and fails to repay the principal and interest of the loan and deliver the mortgaged house at maturity, he may decide to repay the principal and interest of the loan and bear the liability for breach of contract, or he may give priority to the bank for compensation from the proceeds from the auction or sale of the mortgaged house. If it is still insufficient to repay the debt, the developer shall bear the guarantee responsibility and recover from the property buyers afterwards.