How to get a comprehensive consumer loan Comprehensive consumer loan application process 1. The borrower takes a valid identity document, proof of pledge, mortgage and guarantor guarantee to the loan agency to fill out the application form. 2. After the bank investigates the borrower’s guarantee, credit, etc., it will respond to the borrower within 15 days. 3. After the bank has reviewed and approved the application materials submitted by the borrower, both parties will sign a loan contract and a guarantee contract and handle relevant notarization and mortgage registration procedures. 4. The bank issues loans to borrowers by transfer. (Note: The borrower can recycle the loan within the validity period of the loan limit. The available limit is the difference between the bank's approved limit and the principal balance of each loan under the limit. Each time the borrower defaults on the loan, the available limit will be deducted accordingly. Less, each time the borrower repays the loan principal, the available amount will increase accordingly)