Hello, the offline loan process of rural commercial bank is as follows: (1). Lenders need to submit a written application to the bank to apply for a housing loan. (2) The lender applies for a loan from the bank with the original and photocopy of ID card, household registration book and marriage certificate, fills in the application form and truthfully submits the following materials:

(3) The bank has a good credit record on the borrower's age, good credit status, stable income and repayment ability; (4), the purchase of owner-occupied housing contract, more than half a year's monthly income certificate or bank card running list for approval; (5) The bank accepts the examination and approval;

(6), approved, signed a loan contract with the bank; (7) Banks issue loan principal and interest; (8) Handling mortgage registration procedures; (9) The bank takes back his right certificate and destroys it;