Construction Bank's personal loan process: First, the borrower fills in the loan application form and provides the necessary information; The loan bank shall review the credit status and information of the borrower and formally reply to the applicant within three weeks; If the lender agrees to the loan, the borrower and the lender shall sign a loan contract. According to the different loan guarantee methods, mortgage contract, pledge contract and guarantee contract should be signed at the same time; According to the national and local laws and regulations, as well as the provisions of the Construction Bank, handle the formalities of real estate insurance, mortgage registration or contract notarization; The lending bank issues loans according to the contract.