Chengdu
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application for insurance
The lending speed is related to the application method, which mainly refers to online application (online) and physical network application (offline). Borrowers who apply for credit loans at bank outlets need to prepare a series of application materials, and then wait for the approval of bank staff before lending, which takes at least 3 days. Online bank credit loans do not need to prepare paper materials, only need to fill in some information and upload some certificates online, and then submit them to the system for automatic review. It only takes one week from application to loan, and the answer will be available within three days.
Borrower qualification
The borrower's qualification is also an important factor affecting the credit loan period of Chengdu Bank. The better the borrower's own conditions, the faster the bank review. If his own conditions are average, the bank should spend more time to confirm whether the borrower meets the bank's loan conditions and evaluate the credit risk. The qualifications of borrowers are generally reflected by the application materials, so everyone must prepare all the materials in order to lend money faster.
Bank credit policy
When the bank's credit policy is tightened, the loan amount will be reduced, and banks will naturally be cautious in lending decisions, so the lending speed will be slower than usual. On the contrary, if the bank's credit policy is relaxed, the lending speed of credit loans will also accelerate.