1. According to the inquiry of China Travel Service. Com, materials needed to prepare the loan: personal identification, household registration book, income certificate, marital status certificate and other materials are needed, and the specific requirements vary with different banks and loan types.

2. Understand the loan policies and conditions: You need to understand the requirements and conditions of the bank for personal loans, including loan amount, interest rate, repayment period, etc. To determine whether the loan conditions are met.

3. Consult the bank staff: You can go to the bank counter or telephone to consult the bank staff to understand the loan policy and requirements during the cooling-off period of divorce and ask if there is a specific application process.

4. Submit an application: submit a loan application according to the requirements and procedures of the bank, and fill in relevant forms and documents as required.

5. Waiting for approval: the bank will approve the application and decide whether to approve the loan according to the personal situation and loan type.

6. Sign a contract: If the loan is approved, the bank will notify the applicant and sign a loan contract.

7. Complete procedures: Complete relevant procedures as required by the bank, including providing collateral or conducting credit evaluation.

8. Obtaining a loan: After completing all the procedures, the bank will release the loan and notify the applicant.