The first thing is to find relatives and friends to turn around, and then return it to relatives and friends after the bank lends money. The other is to communicate with the bank's credit manager, explain the situation and apply for the loan amount. Of course, if the above two methods fail, the borrower can only be advised to apply for a loan in another bank, and the loan may be issued soon.

Why is the loan lending slow at the end of the year?

There are four main reasons for the slow approval of bank loans at the end of the year:

1. At the end of the year, all major companies have to make year-end settlement, and banks are no exception;

2. The bank's own loan amount has been reduced. In order to make rational use of it, priority will be given to high-quality customers;

3. In sharp contrast to the loose loans in the second year;

4. Banks use reserves to make up for the blank period, so that they have enough quota to make a good start in the next year.

Therefore, if buyers and sellers want to finish it quickly, it is best to choose the beginning of the year, and many things will be pushed to the next year at the end of the year.

How to query the approval progress

1. Telephone inquiry: When customers call customer service, relevant departments will provide consulting services to inform you of the loan progress;

2. official website Inquiry: Generally, bank lending institutions will have official website, so you can enter the required relevant information on the website for inquiry;

3. Counter inquiry: You can bring your ID card and loan bank card and go directly to the counter of the bank or lending institution for inquiry;

4. Contact the account manager: there will be a service account manager when signing the loan contract, and you can ask the account manager for help if you have any questions;

5, app query: Now the mobile App is still very convenient, and you can also check the progress by logging in to the bank or loan institution App.