Sources of funds: First, self-raised funds. Including their own savings or loans from relatives and friends. The second is social financing. By providing high-value fixed collateral, lending to banks and other financial institutions, or borrowing from informal financial institutions through acquaintances or networks, the latter has higher interest rates and greater risks than the former. Bank loan procedures:

1. Fill in the residential mortgage application form and submit the following bank documents: ID card, household registration book, marriage certificate, household registration book and other collateral ownership certificates, and bank flow sheet.

2. The bank examines the borrower's loan application, purchase contract, agreement and related materials.

3. The borrower shall go through the mortgage registration formalities at the bank with the real estate license of the mortgaged property.

4. The guarantors of both borrowers and borrowers sign mortgage loan contracts such as houses and notarize them.

5. After the loan contract is signed and notarized, the bank's deposits and loans to the borrower are transferred to relevant accounts, and the loan process ends. Other lending methods: In addition to bank pledge lending, there are many small and medium-sized lending companies that provide unsecured lending. The procedure is simple and the time is short, but the loan interest rate is high, with the monthly interest rate reaching 1% and the annual interest rate reaching 10%. The longest loan period is 5 years, and the interest is directly deducted from the loan principal. Just repay the principal at maturity. At present, there are many companies providing business consulting and capital lending on the Internet. Beijing Innovation Service Center is one of them.