1. Preparation for loan application: Prepare relevant documents and materials such as personal identity certificate, income certificate, bank statement, loan collateral (if any).

2. Consult and fill in the application form: Communicate with bank staff to understand details such as loan products and interest rates, and fill in the loan application form.

3. Provide information and review: Submit the required documents and materials and wait for review and approval by the bank. The bank will evaluate the personal credit, repayment ability and guarantee situation.

4. Approval result notification: Wait for the bank’s approval result notification, which takes a certain amount of time. Once approved, the bank will contact you and provide you with a loan contract and related terms.