1. Apply for a loan from the bank;

2. After the acceptance of the bank, evaluate the value of the mortgaged property and approve the loan amount according to the evaluated value;

3. Sign a loan contract;

4. The mortgagor pays the registration fee;

5. The title certificate stamped by the mortgagor shall be submitted to the mortgagor.

"Measures for the Administration of Urban Real Estate Mortgage" Article 30 Within 30 days from the date of signing the real estate mortgage contract, the mortgage parties shall go through the real estate mortgage registration at the real estate management department where the real estate is located. Article 33 The registration authority shall examine the application of the applicant. If the ownership is clear and the certification materials are complete, it shall decide whether to register within 7 days from the date of accepting the registration. If it is not registered, it shall notify the applicant in writing. Article 34 If the real estate obtained according to law is mortgaged, the registration institution shall record his other rights in the original Certificate of Real Estate Ownership, and the mortgagor shall take over. And issue the house ownership certificate to the mortgagee. Legal basis: Article 30 of the Measures for the Administration of Urban Real Estate Mortgage. Within 30 days from the date of signing the real estate mortgage contract, the mortgage parties shall go through the real estate mortgage registration at the real estate management department where the real estate is located. Article 33 The registration authority shall examine the application of the applicant.

If the ownership is clear and the certification materials are complete, it shall decide whether to register within 7 days from the date of accepting the registration. If it is not registered, it shall notify the applicant in writing. Article 34 If the real estate obtained according to law is mortgaged, the registration institution shall record his other rights in the original Certificate of Real Estate Ownership, and the mortgagor shall take over.

And issue the house ownership certificate to the mortgagee.

"Measures for the Administration of Urban Real Estate Mortgage" Article 30 Within 30 days from the date of signing the real estate mortgage contract, the mortgage parties shall go through the real estate mortgage registration at the real estate management department where the real estate is located.

Article 33 The registration authority shall examine the application of the applicant. If the ownership is clear and the certification materials are complete, it shall decide whether to register within 7 days from the date of accepting the registration. If it is not registered, it shall notify the applicant in writing. Article 34 If the real estate obtained according to law is mortgaged, the registration institution shall record his other rights in the original Certificate of Real Estate Ownership, and the mortgagor shall take over.

And issue the house ownership certificate to the mortgagee.