make preparations in advance and get a business license six months in advance. If it is catering, the food industry must do a good job in food circulation license. At the same time, we should raise our personal bank flow six months in advance;

2. Bring all the information to the bank for interview and submit the application. It should be noted that married people must apply at the same time.

3. The appraisal company entrusted by the bank will conduct household appraisal, make a value appraisal of your house and then issue an appraisal report;

4. The bank will review your comprehensive qualifications. Maybe you will go to your business premises to verify the operating conditions on the spot;

5. after the approval, the bank will issue a reply. Give you a pre-granted loan amount;

6. Take your real estate license to the local real estate center for mortgage, and the married person needs to go to the marriage notary office for notarization of the marriage relationship;

7. The bank will lend money after obtaining the receipt from the real estate center or other warrants.