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.

3. The borrower's husband and wife and the mortgagor hold the appraised property right certificate, identity certificate, marriage certificate and relevant loan use certificate to the bank to sign the maximum mortgage contract and loan contract, and go through the mortgage contract registration and insurance procedures.

4. After completing the above procedures, the lending bank will transfer the money to the deposit account or bank card opened by the borrower in the bank.

5. The borrower deposits enough money in his wealth management card account to pay the repayment amount of each installment, and pays 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.