Mortgage to buy a house banks need bank assistance if they don't lend money. The process in mortgage to buy a house is as follows:

1, field trip;

Loan officers, intermediaries, appraisers, buyers and sellers go to the site of the house applying for mortgage loan to conduct on-site investigation of the house.

2. Property right verification;

The property owner and the * * * owner (seller) bring the original ID card and the original real estate license to the Housing Authority for verification and go through relevant formalities.

3. sign a contract;

The bank carefully checks and verifies the original information of the customer, identifies the authenticity of all signatories, supervises the signature of the customer, collects the original real estate license and deposit (the specific amount is determined by the buyer and the seller), copies the information, and reminds both parties to go to the bank to handle the account.

4. Fill in the contract;

The bank arranges the information according to the relevant information provided by the customer and fills in the contract.

5. Payment obligation;

After the bank's fee is pre-approved, it will inform the customer to pay;

6. Transfer of property rights;

With the help of the Housing Authority, the buyer and the seller go through the formalities of property right transfer.

7. The lender prepares relevant materials to go through the mortgage formalities at the bank;

8. Bank loans.