The loan policies and standards of different banks may be different. Some banks may focus more on certain types of loans, such as personal consumption loans, commercial loans or mortgage loans. Therefore, it will be easier to apply for a loan by choosing a bank that meets your needs.
The difficulty of applying for a loan is also closely related to the applicant's qualification and preparation. For example, an applicant with a stable income, a good credit record and complete application materials is more likely to get a loan than those who do not have these conditions.
Relationships with banks may also affect loan applications. If you have deposits, wealth management or other financial business dealings with the bank, the bank may be more inclined to provide you with loans, because this reflects your financial stability and credit.
Take China Industrial and Commercial Bank as an example. As one of the largest commercial banks in China, its loan products are rich and varied, including personal consumption loans, business loans and housing mortgage loans. If the applicant has a stable income source and a good credit record, it may be relatively easy for him to apply for a loan at ICBC. However, if the applicant has a poor credit record or cannot provide complete application materials, he may face some difficulties.
To sum up, we can't simply say which bank is easier to apply for a loan. When choosing a bank, we should consider the bank's business focus and loan policy; At the same time, make sure you have the necessary application conditions and materials. Before deciding to apply for a loan, you'd better consult a number of banks, compare their loan conditions and interest rates, and find out the most suitable bank for you.