Audit process, policy adjustments, etc.

1. Review process: ICBC needs to conduct a comprehensive review of the applicant's loan application, including but not limited to the borrower's credit report, income certificate, collateral value assessment, etc. If the review process is relatively If it is complicated or takes a long time, the time for calculating the amount will be extended accordingly.

2. Policy adjustment: ICBC will adjust its loan policy based on national policies, market environment and other factors, which will cause the calculation of loan amounts to need to be re-evaluated.

3. System failure: Sometimes, the bank system will fail or upgrade, resulting in extended limit calculation time.