1. Preparation materials: Generally, the following materials need to be prepared:
-Personal identity documents, household registration books or resident identity cards.
-Business license, tax registration certificate and organization code certificate of the company or self-employed.
-Recent personal credit report or enterprise credit report
-Other documents that may be required, such as real estate license and vehicle identification card.
2. Consultation application: Go to Yong Er Hongcun Bank Sub-branch to consult revolving loan products and handling procedures. Fill in the loan application form and submit the required information.
3. Risk assessment and approval: The bank will assess your credit status, repayment ability and guarantee. After the approval, the bank will conduct internal approval procedures.
4. Sign a contract: Once the loan application is approved, you need to sign a loan contract with the bank. The contract will specify the loan amount, interest rate, repayment method, guarantee requirements and other related terms.
5. Lending: After signing the contract, the bank will arrange lending. The loan amount can be paid in one lump sum or in installments, depending on the contract.
6. Repayment: According to the repayment method and time limit agreed in the contract, you need to repay on time. Repayment methods usually include equal principal and interest repayment or monthly interest payment, one-time repayment of principal when due, etc.
Please note that the above is an overview of the process and the specific process may be different. It is suggested that you consult the account manager of the local Erythrina Hongcun Bank or visit its official website for detailed handling procedures and requirements.