1. Users are required to prepare personal income certificates, credit reports, original ID cards, bank accounts and mortgage information and submit them to rural commercial banks to apply for loans.

2. The staff of the rural commercial bank will review the borrower's information.

3. After approval, confirm the loan amount and notify the borrower to sign a loan contract at the bank.

4. The borrower needs to open a debit card account of "convenience card" in rural commercial banks.

5. After the bank issues the loan, the user can independently issue the loan funds to the convenience card account through the "XX Rural Credit" APP and the convenience card service area.