1, customer application. Customers apply to the bank, fill in the application form in writing and submit relevant materials at the same time.

2. Sign the contract. After the application materials submitted by the borrower are approved by the bank, the two parties sign a loan contract and a guarantee contract, and go through the relevant notarization and mortgage registration procedures as appropriate.

3. issue loans. After the bank has approved and completed all the formalities, the bank will issue the loan according to the contract.

4. Repay on schedule. The borrower shall repay the principal and interest of the loan according to the repayment plan and repayment method agreed in the loan contract.

5. loan settlement. Loan settlement includes normal settlement and early settlement.

After the loan is settled, the borrower will retrieve the legal documents and relevant supporting documents extracted by the bank with his valid identity certificate and the loan settlement certificate issued by the bank, and go through the mortgage registration cancellation formalities with the original mortgage registration department with the loan settlement certificate.

Extended data:

Application conditions of bank micro-credit loan

1, a China citizen with full civil capacity who has a fixed residence in China, or a fixed residence (or valid residence certificate) in a local town, or a fixed business place;

2. Have a proper occupation and stable economic income, and have the ability to repay the loan principal and interest on schedule; No bad credit record; The purpose of the loan cannot be used for stock trading, house purchase, gambling and other acts;

3. Other banking conditions stipulated by the lender.