The final result of China Merchants Bank's mortgage review is subject to the loan notice.

1. Application accepted. When the customer service submits the materials, the staff will conduct a preliminary review to see if it meets the loan requirements. If it meets the requirements, it will accept its loan application.

2. Data processing. After accepting the loan application, the auditors of the relevant departments will verify the materials submitted by the customer service, mainly to see if they are lying and what the real situation is.

3. Loan approval. After the materials are verified, they are submitted to the higher authorities for re-examination, which is also called examination and approval.