(1) customer application. Customers apply to the bank, fill in the application form in writing and submit relevant materials at the same time. It should be noted that in addition to applying for small loans in rural areas, other types of loans also need to provide relevant information. It mainly includes: the basic information of the borrower and the guarantor; Correct the original unreasonable loan; List of collateral and pledge, the consent certificate of the person who has the right to dispose of the collateral and pledge, and the relevant certificates that the guarantor intends to agree to guarantee; Other relevant information, etc.

(2) sign a 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 the bank evaluates the applicant's credit rating. Handle relevant notarization and mortgage registration procedures as appropriate.

(3) granting loans. After obtaining the mortgage certificate, if the loan is approved by the bank, after all the formalities are completed, the bank will directly transfer it to the borrower's transaction object or distribute it to the borrower in the form of transfer according to the contract, and the borrower will pay it to its transaction object.

(4) Post-loan inspection. Follow-up investigation and inspection of the borrower's execution of the loan contract and operation.

(5) Repayment on schedule. The borrower repays the loan principal and interest according to the repayment plan and repayment method agreed in the loan contract; Within the repayment period agreed in the loan contract, the borrower may postpone 10 natural days on the basis of the agreed repayment date. If the loan is to be postponed, it should be before the loan maturity date. The borrower needs to apply to the bank for loan extension, and the bank decides whether to extend the loan.

(6) loan settlement. Loan settlement includes normal settlement and early settlement:

1. Normal settlement: repay the principal and interest in one lump sum on the maturity date of the loan or settle the loan in the last installment;

2. Early settlement: Before the loan expires, the borrower must apply to the bank in advance according to the loan contract, and repay the loan at the designated accounting counter after it is approved by the bank.

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.