Legal analysis: 1. The borrower applies to the lending institution and submits the materials required for the loan. 2. The lending institution examines the application submitted by the borrower and conducts pre-loan investigation on the borrower. If there is collateral (pledge) as collateral (pledge). Find a professional evaluation agency to evaluate the value of the mortgaged property. 3. After the materials are approved, both parties reach a loan agreement through consultation. 4. Sign a loan contract. 5. The borrower goes through the mortgage (pledge) registration formalities, and the lending institution issues loans. That is, credit rating, credit line approval (accepting applications for investigation/examination and approval), signing contracts, issuing loan certificates and making payments. Individual industrial and commercial borrowers should meet the following conditions: 1, have full capacity for civil conduct and have an account in the local city; 2. Have a fixed business place or address, operate legally, and have stable and sufficient operating income as the first repayment source; 3. It can provide legal, sufficient and easy-to-realize collateral; 4. Open a deposit account in a loan bank.

Legal basis: Interim Measures for the Administration of Personal Loans.

Forty-fourth individual industrial and commercial households and rural contracted households apply for personal production and operation loans, and the amount exceeds 500 thousand yuan, according to the purpose of the loan, the provisions of the relevant loan management measures shall apply.

Article 45 Lenders shall formulate detailed rules and operational procedures for personal loan business according to these Measures.