If a customer's mortgage has multiple borrowers, for example, the customer is the main borrower and the customer's wife is the same borrower, both parties need to apply for LPR conversion, and the options are the same to complete the processing. Multiple borrowers can handle it through mobile banking and personal online banking respectively, or at the same time, and the operation steps are the same as those of the main borrower. After the offline channel is opened, it can also be handled separately through STM, and the operation steps are consistent with those of the main borrower.