1. Qualification examination: The bank will evaluate the applicant's credit history, income and liabilities to determine whether it meets the loan qualification requirements.

2. Loan application: the applicant needs to fill in the loan application form and provide relevant financial documents and supporting materials, such as income certificate and bank statement.

3. Evaluation of real estate value: If the applicant chooses mortgaged real estate as loan guarantee, the bank will entrust an evaluation agency to evaluate the real estate to determine its value.

4. Loan approval: The bank will decide whether to approve the loan application according to the applicant's qualification and financial status, as well as the evaluation result of real estate value, taking into account the risk factors comprehensively.

5. Signing: If the loan application is approved, the bank will sign a loan contract with the applicant, specifying the loan amount, interest rate, repayment method and other relevant terms.

6. Lending: After the loan contract is signed, the bank will transfer the loan amount to the account designated by the applicant and complete the loan procedures.

It should be noted that the specific approval sequence of different banks and different regions may be different, and the above is just a general process. In practice, the applicant should provide relevant materials according to the requirements of the bank and maintain good communication with the bank to ensure the smooth progress of loan approval.

If you don't know your online loan application, you can try to get a big data report on Puxincha, check your detailed loan record, and then confirm that you borrowed the money. At this time, you should pay off all the money you owe, and then contact the customer service of the corresponding platform to let them handle it and see if the blacklist of online loans can be eliminated.