1. Prepare relevant materials: the loan application needs to provide identification, agricultural operation certificate (land contract), income certificate, household registration book and other relevant materials. You can contact the bank to find out the list of materials you need.

2. Take the prepared materials and handle the loan business. You can consult the bank staff about loan products, interest rates, repayment methods and other information, and submit an application form.

3. Review and approval: The loan application will be reviewed and approved. This process may take some time, please be patient.

4. Signing a contract: After the loan application is approved, the bank will ask to sign a loan contract. When signing a contract, please read the contract carefully to ensure that you fully understand the terms of the contract.

5. Loan and repayment: After the loan contract is signed, the bank will arrange to transfer the loan amount to the designated account. Repay according to the repayment method and time agreed in this contract.