1, customer application

Customers apply to the bank, fill in the application form in writing and submit relevant materials at the same time.

Step 2 sign a contract

After the application materials submitted by the borrower are approved by the bank, the two parties sign a loan contract and a guarantee contract, and go through the relevant notarization and mortgage registration procedures as appropriate.

Step 3 lend a loan

After the bank has approved and completed all the formalities, the bank will issue the loan according to the contract.

4. Repay on time

The borrower shall repay the principal and interest of the loan according to the repayment plan and repayment method agreed in the loan contract.

5. Loan settlement

Loan settlement includes normal settlement and early settlement:

(1) Normal settlement: repay the principal and interest in one lump sum on the maturity date of the loan, or settle the loan in one lump sum during the repayment period;

(2) Early settlement: Before the loan expires, the borrower must apply to the bank in advance according to the loan contract, and repay the loan at the designated accounting counter after being approved by the bank.