1. For the loan application, the borrower proposes the purpose, amount and duration of the loan.

2. Prepare loan materials. The borrower and the mortgagor shall prepare all the documents and certificates required to apply for the loan as required. Including my spouse's ID card, household registration book, income certificate, corresponding personal consumption contract, marital status certificate, house ownership certificate, owner's and spouse's ID card, household registration book and marital status certificate.

3. Appraisal of house-viewing: The relevant institutions conduct on-the-spot investigation, appraisal (survey) and valuation of mortgaged houses.

4. Submit the loan approval, and submit all the loan application materials together with the evaluation report or investigation opinions to the bank for approval.

5. Notarization of loan contract. After the borrower and mortgagor fill in (loan contract) and all relevant documents, sign them and press their fingerprints, they will be notarized by a notary.

6, mortgage registration procedures, the bank with all of the housing and loan contract notarized certificate to the property right office for mortgage registration procedures.

7. Opening an account and lending. The borrower opens a repayment account and the bank lends money to the account.