Why is it so difficult to get a loan at the end of the year? Let’s analyze several key points one by one...

1. Year-end settlement

Every time At the end of the year, every company will start to make year-end settlements, and banks and financial institutions are no exception. All financial institutions will be busy taking orders and temporarily slow down the progress of loans.

2. Bank quota tightening

Generally by the end of the year, the quota that can be allocated this year has reached the bottom of the bottle. In order to strengthen the rational utilization of the quota, among the many loan applications, we will select High-quality customers are given priority in lending, so the corresponding approval and lending cycles are lengthened.

3. Strengthen the review of the personal credit system information to prevent too many people from applying for loans at the end of the year, and the fake ones are mistaken for the real ones

4. Make a "good start" for the second year

< p>In order to have a good start in the second year, banks usually control the loan limit in the fourth quarter of the first year, approve loan applicants but delay disbursement, artificially creating the illusion of a good start in the second year and a congestion of loans.