1. When the borrower applies for a loan for housing renovation, he must apply at the business outlet where the business is started, fill in the application form, submit relevant materials and go through relevant guarantee procedures.

2. Sign the loan contract after investigation and approval by the account manager and approval by the competent examination and approval department.

3. The account manager handles the loan formalities and transfers the money to the borrower's personal settlement account in our bank, so that the customer can use the loan.

4. The borrower repays the loan at the business counter, or leaves enough repayment amount in the deposit account or bank card, and entrusts the loan bank to withhold the repayment. 5. After the loan is settled, the bank terminates the creditor-debtor relationship with the customer and goes through the relevant formalities.