The process of real estate mortgage loan is: 1. The borrower applies for a loan from the bank. 2. After investigation and approval, open a deposit account or bank card in the bank and go to the housing management department for real estate appraisal. Business loans of more than 50,000 yuan should also apply for loan cards. 3. The borrower's husband and wife and the mortgagor come to our bank to sign the maximum mortgage contract and loan contract with the appraised property right certificate, identity certificate, marriage certificate and relevant loan use certificate, and go through the mortgage contract registration and insurance procedures. 4. After completing the above procedures, the lending bank will issue the loan on the same day and transfer the money to the deposit account or bank card opened by the borrower in our bank. 5. The borrower shall deposit enough money in his wealth management card account before 20th of each month (quarter) and pay off all principal and interest on the due date. 6. After the loan is returned, the loan bank cancels the collateral and returns it to the customer.