1. The borrower shall submit the following materials to the bank: (1) loan application approval form; (2) my valid identity certificate and a copy; (3) proof of residential address; (4) proof of occupation and income; (5) Effective contact information and telephone number; (6) Other information required by the bank. 2. After the application materials submitted by the borrower are approved by the bank, both parties sign a loan contract. 3. The bank issues loans to borrowers through transfer.