1. Preparation materials: Personal application requires information such as ID card, household registration book, work certificate or business license; Enterprise application requires legal representative's ID card, organization code certificate, tax registration certificate, recent financial statements and other materials.

2. Go to the Agricultural Bank outlet: take the prepared materials to the local Agricultural Bank outlet to apply, and ask the staff for information such as loan interest rate, repayment method and required procedures.

3. Application approval: After the application is submitted, the bank will approve it according to the customer's credit status and repayment ability, and issue loans to qualified customers.