If a positive conclusion Lawyers documents checked security service bank. Based on an analysis of existing and received information, security Bank gives its opinion on the risk of the loan. Full package of documents submitted to the bank management decision final decision and signing the loan agreement or refusal client. At the fourth stage the bank after work on structuring loans to begin negotiations with the client on the contract. Official who negotiates with the client regarding the loan shall bring him the required conditions for future credit agreement with execution of loan can not be granted and the conditions for which be a compromise. After all the issues and coordination of all parameters of future credit agreement made appropriate conclusions regarding the loan. After positive decision of this body is signing the loan agreement from the management of the banking institution and the client.