1. First, the loan application. To apply for a loan, an application form for a loan shall be obtained with the consent of the original lending bank.

2. Secondly, obtain the credit line. Submit materials in another banking institution in advance to obtain a credit line, provide some overdue certificates, and prove your repayment ability to the lending institution.

3. Finally, the guarantee was confirmed. When the loan expires, find the guarantor to sign and confirm, and the new loan contract will replace the old loan contract.