(1) requires an interview.

② Prepare the materials.

③ Come and fill out the application form.

(4) Submit for review.

(5) granting loans.

⑥ Regular repayment.

Required procedures:

(1) Original and photocopy of the borrower's valid identity certificate.

(2) local permanent residence or valid residence identity certificate.

(3) The borrower's loan repayment ability certificate. Such as the income certificate issued by the borrower's unit.

(4) The borrower's real estate license and driving license (the loan amount can be increased if it is not necessary).

(5) The borrower's credit report (which can prove personal credit).

(6) the salary card is flowing (nearly 6 months).

(7) Repayment records of loans in the past three months (if any).

(8) The expenses of water, electricity and gas in the last three months can prove the address.

The borrower shall apply to the bank outlets offering small loans. When applying, the borrower should bring his ID card, proof of address, proof of stable income source and other relevant materials, and if he is a merchant, he should also bring his business license.

2. After receiving the lender's application, the bank will review the lender.

3 through the examination and approval of the bank, signed a loan contract with the bank.

4. The bank lent money, and the lender successfully got the loan.

The above four steps are the general process of bank microfinance. Different banks may have slightly different provisions on microfinance, and the materials to be submitted are also different. In order to avoid loan risks, some banks will require lenders to meet certain conditions, such as age, income level and repayment ability.