Second, determine how to repay the loan;

Third, determine your expected loan amount;

Four, go to the bank to understand the materials needed to provide (or prepare) the loan;

Five, choose the bank, and discuss the loan related matters with the bank loan handling department.

Generally speaking, the person who intends to borrow money must have a local hukou, a local fixed residence, a fixed job and a stable income. These are all necessary conditions. Furthermore, education, technical title or administrative position, credit rating, quality and quantity of fixed assets will all affect the success and amount of loans.