1. The proof materials we need to prepare generally include our own ID card, household registration book, proof of income, proof of marital status and other materials. If you want to mortgage a loan, you need to prove the property right of the collateral. If you are a secured loan, you need to provide a good credit record.
2. Apply to banks or formal financial institutions. We can apply to banks or formal financial institutions and submit relevant materials.
3. After paying various fees, it is necessary to sign a loan contract with the bank as a legal document binding both parties.