It means that after the borrower submits the loan application, the lending institution has completed the preliminary examination, but the borrower has not signed the loan contract or completed other necessary procedures.

At this stage, the borrower should log on to the loan platform or contact the lending institution to complete the signing procedures according to the guidance of the platform or institution. The borrower needs to sign a loan contract and provide relevant materials such as identity certificate, bank card information and income certificate, before the lending institution can finally confirm the borrower's identity and repayment ability.