When funds are scarce, then you will want to borrow money from the bank. But many people say that by the end of the year, banks will be very cautious in reviewing loans and may even stop lending. So, will the bank stop lending at the end of the year? What did the bank say about this rumor?
In fact, this rumor is true. 20 18- 12, major banks tightened their lending business, and they were very cautious in reviewing and lending both consumer loans and mortgages. It is difficult for people with ordinary conditions to pass the exam. After the Spring Festival, it is relatively relaxed. But it is rumored that the bank will stop lending at the end of the year, which is not reliable. One of the income items of banks is loans. Therefore, whether it is a large loan or a small loan, it will not stop at any time. Therefore, it is normal for banks to tighten their loan business at the end of the year, but they will not stop lending.
Generally speaking, before the Spring Festival, loan applicants will be restricted. If people have better economic conditions, banks will lend them money. Other ordinary people either refuse to lend, or reduce the quota, or lend for a long time. Therefore, if you apply for a loan at the end of the year, whether it is a large loan or a small loan, it is best to provide more financial proof to prove that you have enough repayment ability. Only in this way can the pass rate of banks be higher.