1. Material preparation: individuals should first prepare the materials needed for loan from banks, which generally include loan application, customer's ID card, household registration book, income certificate, marital status certificate and other materials (if the customer has a spouse, the spouse's ID card and household registration book should also be provided). If it is a mortgage customer, it is necessary to issue a certificate of property rights of the collateral; If it is a customer with unsecured loans, it is necessary to provide a good credit record;

2. Application: After the customer prepares the relevant materials, he can apply for a loan at the bank or the law firm entrusted by the bank and submit the relevant materials to the bank for review. After paying various fees, customers need to sign a loan contract with the bank as a legal document binding both parties;

3. Payment review: if it is a house purchase loan, the law firm entrusted by the bank will first conduct a preliminary review of the customer's application, and if it is qualified, the bank will conduct the final loan approval; If the audit is unqualified, the bank will return the relevant information of the customer and the fees charged;

4. Go through other legal procedures: In addition to the contract, the customer also needs to go through some legal procedures. Then there is a bank loan.

Legal basis: Article 17 of the Notice on Printing and Distributing the Measures for the Administration of Special Funds for Development in inclusive finance.

In order to implement a more active employment policy, promote employment through entrepreneurial innovation, help the public to start businesses and innovate, arrange special funds to give certain discounts to entrepreneurial guarantee loans that meet the conditions stipulated in the policy, reduce the burden on entrepreneurs and employers, support workers to start their own businesses and apply for jobs, and guide employers to create more jobs.