1. Choose a loan bank: First, you need to choose a qualified and reputable bank to apply for a loan.
2. Fill in the application form: fill in the loan application form and submit the required materials, such as ID card and house property certificate.
3. House valuation: The bank will evaluate your house and determine the amount of mortgage loan.
4. Review and approval: The bank will review your application and submitted materials and make a decision on approval.
5. Signing: If it is approved, the bank will sign a mortgage loan contract with you, stipulating the relevant terms and interest rates.
6. Register the mortgage: The bank will register the mortgage of your house to ensure that it is under the supervision of the bank during the repayment period.
7. Lending: Finally, the bank will directly remit the loan amount to your account.