1. When applying for a loan from a bank, the loan applicant must fill in the Application Form for Personal Housing Decoration Loan. At the same time, submit relevant certificates and materials to the bank;

2. The bank promises the loan after reviewing the authenticity, legality and credit degree of the relevant certificates and materials submitted by the borrower. On this basis, the loan applicant signs a decoration project contract or a decoration product order contract with the decoration company or the decoration product seller, and submits the original contract to the bank.

3. The borrower and the borrower sign the Individual Housing Decoration Loan Contract and the corresponding guarantee contract. The borrower who takes the house as mortgage shall go through the formalities of notarization of individual housing mortgage contract, mortgage home insurance and real estate mortgage registration.

4. After accepting the certificate of other rights of real estate, the bank shall go through the formalities of loan guarantee or loan lending;

5. Entrusted by the borrower, the bank transfers the loan funds to the decoration company or the unit selling the decoration products to open an account in the bank in the name of paying the decoration money at the time stipulated in the loan contract.