If your credit card credit is not good, you can use a mortgage loan. Mortgage bank loan procedures:

1. You need to open a current deposit account at a bank's business institution;

2. Please fill in the loan application form as required, and submit the application form and required materials according to the bank's instructions;

3. The bank's business handler or designated lawyer will conduct a home visit to investigate the information provided. Authenticity, legality and completeness;

4. After the bank is approved, the bank will notify the approval results and sign a loan contract;

5. Handle insurance, mortgage registration, and notarization as appropriate. and other procedures;

6. CITIC Industrial Bank will transfer the loan directly to the account specified in the contract;

7. Please repay the principal and interest according to the provisions of the loan contract.