Legal analysis: 1. Prepare materials. Individuals should first prepare the materials needed for bank loans, including loan application, customer ID card, household registration book, income certificate, proof of marital status and other materials (for customers with spouses, spouse ID card and household registration book should also be provided). If they are customers with mortgage loans, they need to issue property certificates of collateral; If you are a customer with unsecured loans, you need to provide a good credit record. 2. apply. After preparing the relevant materials, the customer can apply for a loan at the bank or the law firm entrusted by the bank, and submit the relevant materials to the bank for review. After paying various fees, the customer needs to sign a loan contract with the bank as a legal document binding both parties. 3. Payment review. If it is a house purchase loan, the law firm entrusted by the bank will first conduct a preliminary examination of the customer's application, and if it is qualified, the bank will conduct the final loan approval; If the audit fails, the bank will return the relevant information of the customer and the fees charged. 4. Go through other legal procedures. In addition to the contract, the customer also needs to go through some legal procedures. If it is a mortgage customer, the customer needs to register the mortgage in the bank for future inquiry. 5. Bank loans. After the customer's relevant procedures are completed, the bank will approve the loan or report it to the superior for approval according to the borrower's evaluation. Then, the staff will inform the customer of the loan amount, loan term, loan interest rate and other related details, and issue a loan instruction to transfer the loan project to the customer's account.

Legal basis: Article 49 of the Law of the People's Republic of China on the People's Bank of China. If local governments, government departments at all levels, social organizations and individuals force the People's Bank of China and its staff to provide loans or guarantees in violation of the provisions of Article 30 of this Law, the directly responsible person in charge and other directly responsible personnel shall be given administrative sanctions according to law; If the case constitutes a crime, criminal responsibility shall be investigated according to law; If losses are caused, it shall bear part or all of the liability for compensation.