1. Before the loan, the borrower should fill in the Application for Mortgage of Residential Houses and submit the following supporting documents to the bank: the borrower's fixed income certificate issued by the borrower's unit, the business license and legal person certificate of the loan guarantor, and other credit supporting documents. Legal and valid proof of identity of the borrower, relevant house ownership certificate or proof that the borrower has the right to control the house, appraisal report, appraisal certificate, insurance certificate, contract, agreement or other documents for the purchase and construction of the house, and other documents or materials required by the loan bank.

2. The bank examines the borrower's loan application, purchase contract, agreement and related materials.

3. The borrower shall hand over the title certificate, insurance policy or securities of the collateral to the bank for safekeeping.

4. The borrower and the guarantor of both borrowers sign the Housing Mortgage Loan Contract and notarize it.

5. After the loan contract is signed and notarized, the bank's deposits and loans to the borrower are transferred to the selling unit or building unit specified in the purchase contract or agreement.

6 loan settlement, including normal settlement and early settlement.

① Normal settlement: the loan shall be settled on the maturity date of the loan (one-time repayment of principal and interest) or the last installment of the loan (installment repayment).

② Early settlement: Before the maturity date of the loan, the borrower must apply to the bank in advance for partial or full settlement of the loan according to the loan contract, and the bank will repay the loan at the designated accounting counter after it is approved. After the loan is settled, the borrower will retrieve the legal documents and relevant supporting documents extracted by the bank with his valid identity certificate and the loan settlement certificate issued by the bank, and go through the mortgage registration cancellation formalities with the original mortgage registration department with the loan settlement certificate.

Article 667 of the Civil Law defines a loan contract as a contract in which the borrower borrows money from the lender, repays the loan at maturity and pays interest.

Article 668 A loan contract shall be in written form, except as otherwise agreed between natural persons.

The contents of a loan contract generally include terms such as loan type, currency, purpose, amount, interest rate, term and repayment method.

Article 669 The borrower has the obligation to truthfully provide information to conclude a loan contract, and the borrower shall truthfully provide the business activities and financial status related to the loan as required by the lender.