Housing mortgage loan process: 1. The buyer and the seller sign a house sales contract, stipulating the down payment, loan and final payment; 2. The purchaser and spouse apply for a loan from the bank, and the seller and spouse are present for confirmation; 3. The bank examines and approves the loan application; 4. The buyer signs a loan and guarantee contract with the bank; 5. The seller transfers the property right of the house to the buyer, and the seller obtains the down payment from the buyer; 6, the buyer and the bank for real estate mortgage registration (or by other natural persons and legal persons to provide phased guarantee for the buyer); 7. The bank issues loans to the seller's account; 8. The buyer and the seller settle the house payment, and the seller obtains the final payment from the buyer; 9. The purchaser takes over the house and repays it on a monthly basis (in the case of installment guarantee, the purchaser and the bank will re-register the house mortgage).

legal ground

Article 1063 of the Civil Code of People's Republic of China (PRC): (1) one party's pre-marital property; (2) Compensation or compensation obtained by one party for personal injury; (3) Property that is determined to belong to only one party in the will or gift contract; (4) Daily necessities used exclusively by one party; (five) other property that should be owned by one party. Article 1064 The debts incurred by both husband and wife for the same signature or by one party afterwards, and the debts incurred by one party in his own name for the daily needs of the family during the marriage relationship, belong to the same debt of husband and wife. Debts incurred by one spouse in his own name during the marriage relationship that exceed the needs of family daily life are not joint debts of husband and wife; However, the creditor can prove that the debt is used for the husband and wife's life, production and operation, or based on the same meaning of both husband and wife.