The basic process of mortgage loan is as follows:

1, field trip;

Loan officers, intermediaries, appraisers, buyers and sellers go to the house where the mortgage loan is applied to conduct on-site investigation on the house.

2. Property right verification;

The property owner and co-owner (seller) bring the original ID card and real estate license to the Housing Authority to submit the original ID card and real estate license and go through relevant formalities.

3. Sign the contract;

The bank carefully checks and verifies the original customer information, identifies the authenticity of all signatures, supervises the customer's signatures, collects the original real estate license and deposits (the specific amount is determined by the buyer and the seller), copies the information, and reminds both parties to handle accounts in the bank.

4. Fill in the contract;

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

5. Payment obligation;

After the bank charges are pre-approved, the customer will be notified 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.