The loan process of Hong Kong Industrial and Commercial Bank of China is as follows:

1. The borrower brings his ID card and other relevant information to an ICBC outlet and explains his intention to the staff;

2 , select the type of loan and receive the loan application form;

3. After filling in the application form, submit it to the bank together with relevant materials;

4. The bank will review the application submitted by the applicant. Information and the applicant's assets, cash flow, liability list, credit status, fund use plan, repayment method, etc. will be evaluated and approved;

5. After approval, the bank will sign a loan contract with the borrower. Bank loans will be released after taking effect.