Not easy.

The approval rate of ICBC e-financing depends on many factors. Applicants must have a good credit history and have no records of overdue repayments and non-performing loans. There is also a need to have a stable source of income, which reduces the risk of default. Secondly, the applicant's debt ratio is also one of the important criteria for banks to evaluate whether to grant loans. Applicants with lower current debt are more likely to receive a loan. In addition, the bank will also review the purpose of the loan to ensure that the funds are used for legal and personal consumption.