In 2022, there were more breeding lenders in China Agricultural Bank, so the speed was slow. The process of a general bank is as follows: first, verify personal information-query personal credit information system-evaluate loan risk-determine approval amount-bank leaders approve-personal mortgage is successful-loan approval-loan is successful. Bank loans sometimes the time of his next repayment is beyond the bank's control. First, there are many people waiting in line. Second, if the loan amount in that year is used up, you may have to wait until the new total amount is approved in the second year before lending. Investment is risky, please choose carefully.