1. Preparation of application materials: In some cases, the materials needed to apply for loans include but are not limited to the following contents: loan application form, identity certificate, income certificate, bank account information, proof of repayment ability, etc.
2. Submit the loan application: submit the prepared application materials to the selected bank and fill in the loan application form.
3. Bank review: The bank will review the application materials, including the lender's credit history, income, repayment ability, etc.
4. Signing a loan contract: If approved by the bank, the lender needs to sign a loan contract with the bank. The loan amount, interest rate, repayment period and repayment method will be stipulated in the contract.