1. 1. Prepare the required materials in advance, including the original and photocopy of the valid identity documents of the borrower and his spouse, the opinions of the main members of the borrower's family who agree to the loan, the personal credit inquiry authorization letter of the borrower and his spouse, and the materials required by the rural credit cooperatives.

2. Secondly, communicate with the bank in advance and review the information of subsequent loans first. Doing so can shorten the approval process and improve efficiency.

3. Finally, after preparing the required materials to ensure that there is no breach of contract, submit an application for loan renewal to the bank.