Luobei county rural credit cooperatives, rural credit cooperatives are not online lending institutions, but formal departments. The process of a regular bank is as follows: first, the borrower needs to submit a series of materials to the bank except the ID card, including

1, loan application approval form; (The lender shall fill in directly at the lending institution)

2. Proof of address; (Certificate issued by neighborhood committee or invoice for water and electricity payment)

3. Proof of work and income;

4. Other information stipulated by the bank. Secondly, after the application materials submitted by the borrower are approved by the bank, the two parties sign a loan contract. Finally, the bank issues loans to borrowers through transfer.