1. application: the applicant fills in the corresponding application form and authorization letter according to the requirements of the bank and submits the required materials.

2. Bank approval: The bank reviews the application materials, confirms that they meet relevant standards, and decides whether to approve the application, as well as detailed conditions such as mortgage interest rate and repayment period.

3. Signing: The bank signs a mortgage loan contract with the applicant, clarifying the rights and responsibilities of both parties, and agreeing on specific matters such as loan amount, interest rate, repayment method and guarantee method.

4. Handling mortgage procedures: Handling mortgage registration procedures and registering the mortgage right of the hydropower station in the name of the bank to ensure the safety of the loan.

5. Lending: The bank will issue loans to the applicant after confirming that the collateral is uncontroversial.