Legal analysis: 1. Apply to the labor and social security department of the street (township) where the business is started with the retirement certificate; 2, by the street (township) labor and social security departments after the first instance, recommended to the guarantee institutions at or above the county level; 3, guarantee institutions to review the borrower's loan qualifications, to meet the conditions of the project in accordance with the provisions of the loan guarantee procedures; 4. The borrower applies to the bank for a small secured loan with the loan information; 5, the bank review the loan information, to meet the conditions of timely payment of loans; 6. The borrower shall repay the loan in full and on time as agreed in the contract until the loan is fully paid off.

Legal basis: Article 11 of the Interim Measures for the Administration of Personal Loans shall meet the following conditions: (1) The borrower is a People's Republic of China (PRC) citizen with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state; (2) The purpose of the loan is clear and legal; (3) The amount, duration and currency of the loan application are reasonable; ? (4) The borrower has the willingness and ability to repay; (5) The borrower's credit status is good and there is no significant bad credit record; (6) Other conditions required by the lender.

Article 12 The lender shall require the borrower to apply for a personal loan in writing, and require the borrower to provide relevant materials that can prove that it meets the loan conditions.

Article 13 After accepting the borrower's loan application, the lender shall fulfill the obligation of due diligence, investigate and verify the authenticity, accuracy and completeness of the personal loan application content and related information, and form an investigation and evaluation opinion.