(1) Prepare relevant materials and documents

(2) Submit application forms and related materials

(3) Bank review will take about 1 month (depending on the number of applicants)

(4) Notification of approval / rejection

(5) If approved, you must confirm weather to accept the loan within 14 days

(6) Notification of preparation of loan agreement

(7) Arrange to sign loan agreement

(8) Pay lawyer fees (preparing loan agreement)