The use of consumer loans requires the preparation of loan use documents, which generally cannot be used for house purchase, and can be confirmed with bank staff. The loan bank will require the loan applicant to prepare relevant certificates such as the purpose of the loan, and the supporting documents are complete.

You can apply for a mortgage loan directly when applying for a house purchase loan. The process is as follows:

Before the borrower applies for a loan, please find out whether the purchased building has a letter of commitment from the bank to provide personal housing mortgage loans. Then, the borrower applies for personal housing mortgage loan, fills in the loan application approval form, and submits the original and photocopy of relevant materials (down payment certificate, sales contract, ID card, proof of economic income source, etc.). ) to the loan bank;

Developer: As the loan guarantor, sign and seal the "Guarantor's Opinion" column of the loan application approval form;

Loan bank: bank staff will review all materials and documents submitted by loan applicants and approve them step by step;

The loan bank takes back the completed materials and issues loans according to the legally effective loan contract;

Property right registration notary office of the Bureau of Land and Resources: go through the formalities of property right mortgage registration;

Inform the developer to get back the loan contract, and the developer will issue a certificate of paying off the house price to the lending institution;

Notify the borrower to get back the loan contract, loan note and insurance policy;

The bank staff of the loan bank will file the loan file.