Step 1: The applicant submits application materials, loan application form and power of attorney to Ping An. \x0d\ 1。 A copy of the ID card of the principal lender and its spouse; \x0d\ 2。 Copy of the household registration book of the principal lender and spouse (copy 1, 2 and 3 must be available); \x0d\ 3。 Copy of marriage certificate, original single certificate, divorce certificate and divorce agreement or copy of court judgment; \x0d\ 4。 Original personal income certificate of the principal lender and spouse (valid with the official seal of the company); \x0d\ 5。 Copy of real estate license (real estate license, purchase contract and invoice, pre-sale contract and invoice); \x0d\ 6。 Original bills of recent water, electricity and coal (you can choose one of the three payment documents); \x0d\ 7。 A copy of the driver's license of the principal lender (approved by the driver's license bank of himself or his immediate family); \x0d\ 8。 Asset certificate: \x0d\ (1) Salary details corresponding to income certificate (bank card details or tax bill in the last 3 months); \x0d\ (2) Details of deposit of the principal lender or spouse, and certificate of stock fund policy; \x0d\ (3) Property certificate or rental income of multiple houses; \x0d\ (4) Work permit or badge (provide copies of various asset certification materials to facilitate the improvement of bank audit efficiency). \x0d\ Step 2: Safely accept the information submitted by the applicant and reply to the applicant within 2-3 working days; \x0d\ Step 3: Safely review the applicant's information, sign a loan contract with the applicant after passing, and go through relevant notarization procedures; \x0d\ Step 4, lend money safely within 1-2 working days; \x0d\ Step 5, the borrower repays the loan on schedule according to the repayment method signed with Ping An; \x0d\ Step 6: The borrower pays off the loan and cancels the relationship with Ping An.