I. Borrower's application

The loan applicant shall go to the branches and business departments of bank branches (hereinafter referred to as loan banks) to receive and fill out the Application Form for Personal Housing Decoration Loan of China Construction Bank, and provide information to the law firm or notary office recognized by the loan bank.

Second, the investigation (decoration regulations)

Law firms or notary offices investigate the credit status, repayment ability and authenticity and legality of the loan applicants and guarantors, and issue legal opinions or notify the loan applicants who do not meet the loan conditions to return all the materials within five working days after receiving all the above materials.

Third, bank approval

After receiving the legal opinion issued by the law firm or notary office, the lending bank will review it.

Four, the loan applicant and insurance procedures

After the loan bank agrees to issue the loan, it informs the borrower to open a current savings account (passbook, savings card and credit card) in the bank as the designated account for returning the loan. For loan applicants who apply for loans by mortgage, banks should guide them to fill in insurance policies correctly and pay premiums.

Verb (abbreviation of verb) sign a loan contract

After the above steps, the loan contract is signed.