1. Customer application. Customers apply to the bank, fill in the application form in writing and submit relevant materials at the same time;

2. Sign the contract. After the application materials submitted by the borrower are approved by the bank, the two parties sign a loan contract and go through relevant notarization and pledge procedures as appropriate;

3. issue loans. For the loan approved by the bank, after all the formalities are completed, the bank will transfer the loan to the designated account according to the contract;

4. Repay on schedule. The borrower shall repay the principal and interest of the loan according to the repayment plan and repayment method agreed in the loan contract.

5. loan settlement.

Loan settlement includes normal settlement and early settlement.

① Normal settlement: the loan shall be settled on the loan maturity date (one-time repayment of principal and interest) or the last installment (installment repayment);

② Early settlement: Before the loan expires, if the borrower partially or completely settles the loan, he must apply to the bank in advance according to the loan contract, and the bank will repay the loan at the designated counter after it is approved.