Tall man. Housing mortgage depends on personal credit information. If you apply for a mortgage loan through a bank, you should check the credit records of both husband and wife of the borrower. If the credit record is blacklisted, you can't mortgage the loan, and the husband and wife influence each other. I. The process of real estate mortgage loan is as follows: 1. The borrower opens a current deposit account in the bank; 2. Information needed to prepare the loan; 3. Sign in person at the bank; 4. Bank filing and approval; 5. After the approval of the bank, notify the borrower of the approval result and sign a loan contract with the borrower; 6. Go to the Construction Committee for mortgage registration; 7. Certificate of other rights issued by the Construction Committee; 8. Handle insurance, notarization and other procedures as appropriate; 9. The bank directly transfers the loan to the account agreed in the contract; 10. The borrower shall repay the loan principal and interest according to the loan contract. 2. When applying for a housing loan, you need some relevant documents, mainly including the following parts: 1, the borrower's valid ID card and household registration book; 2, proof of marital status, unmarried need to provide proof of unmarried, divorce needs to issue a court civil mediation or divorce certificate (indicating that you have not remarried after divorce); 3. If you are married, you need to provide your spouse's valid ID card, household registration book and marriage certificate; 4. The borrower's income certificate (salary income certificate or tax payment certificate for half a year); 5. Real estate title certificate; 6. Guarantor (ID card, household registration book, marriage certificate, etc. ). It is necessary.