Generally speaking, banks will appropriately relax the loan approval criteria at the beginning and middle of each year. At this time, the loan conditions are relatively good and it is easier to apply for a loan. Among them, it is relatively easy for banks to apply for loans at the beginning of the year. In February and March, in order to make a good start, banks often increase the loan amount and lower the threshold for applying for loans. The middle of the year is July-September, and banks will also relax the loan approval criteria appropriately, mainly to impact the performance in the second half of the year.