1. The borrower fills in the application form at the loan handling office with valid ID, pledge certificate, mortgage certificate and guarantor's guarantee, and the bank will reply to the borrower within 15 days after investigating the borrower's guarantee and credit standing.

2. After the borrower's application is approved, it shall sign a loan contract and corresponding guarantee contract with the bank.

3. During the validity period of the credit line and the available credit line, the borrower can use it at any time. When using it, he has to fill in an IOU to use a single loan. The bank will transfer the loan funds into the account agreed in the contract.

4. The borrower can recycle the loan within the validity period of the loan amount, and the available amount is the difference between the loan amount approved by the bank and the principal balance of each loan under the loan amount. After the borrower withdraws the loan every time, the available amount will be deducted accordingly, and after the borrower returns the loan principal every time, the available amount will increase accordingly.

5. Before the limit expires, the borrower shall pay off all the loan principal and interest under the limit, and go through the formalities of mortgage and pledge registration cancellation at the bank within 20 days after paying off the loan principal and interest, and the loan contract signed between the borrower and the bank will automatically terminate. Provide valid identity documents and household registration certificates, marital status certificates and personal income certificates. Relevant materials or documents (sales contracts, agreements or other valid documents) to confirm consumption behavior. Application form for personal consumption loan (available at the sales outlets of the applicant bank).