Housing loan processing flow:

1 First, choose the house to buy and sign the purchase agreement or contract.

2. When submitting a mortgage application to a commercial bank, you need to prepare the application materials in advance, such as ID card, household registration book, marital status certificate, work certificate, income certificate, down payment settlement certificate, etc.

3. The bank will examine the materials and applications you submitted.

After the approval, the bank will sign a mortgage contract with you.

5. Then go to the Housing Authority for mortgage notarization and other procedures.

6. After the formalities are completed, the relevant documents are handed over to the bank, and the bank begins to lend money according to the contract.