1. The owner, the client and the broker sign the real estate sales contract, the client pays the down payment to the owner, and the owner entrusts the original (real estate license) to the broker for file search.

2。 The appraisal company will appraise the transaction property (mortgaged by the customer).

3。 The customer deposits the down payment in the bank for supervision and applies for mortgage at the same time.

4。 After two working days, the bank will issue a letter of commitment (loan amount)

5。 Go through the formalities of property right transfer,

6。 After 30 days, a new real estate license will be issued. When the customer gets the new certificate, the bank will automatically pay the money to the owner (down payment).

7。 Go to the bank for mortgage formalities within 2 working days.

8。 15 natural days later, the bank went to the Land and Resources Bureau to get the mortgage.

9。 After two working days, the bank will pay the full amount to the owner (into the account designated by the owner).