Paying the property maintenance fund and deed tax has no direct relationship with whether the bank will grant a loan. The bank focuses on whether the loan applicant has sufficient ability to repay the loan and whether he has the ability to pay the down payment for the property.

The process of applying for a bank mortgage loan is as follows: select a property; confirm whether the property built by the developer is supported by the bank to ensure the smooth acquisition of the mortgage loan; apply for a mortgage loan; and sign a house purchase contract.

After the review confirms that the home buyer meets the conditions for the mortgage loan, the home buyer will be issued a loan consent notice or a mortgage loan commitment letter; the home buyer can sign a "Commercial Housing Pre-sale and Sales Contract" with the developer or its agent; sign a building mortgage contract

.

Clarify the mortgage loan amount, term, interest rate, repayment method and other rights and obligations; handle mortgage registration and insurance.

Under normal circumstances, due to the relatively long mortgage loan period, in order to prevent loan risks, banks require home buyers to apply for life and property insurance; open a special repayment account; and after completing relevant procedures, transfer the loan to the developer in one go

A bank supervision account opened in a bank as the home purchaser's purchase money; the borrower makes regular repayments as stipulated in the contract.