1. Policy control: The government's control policy on the real estate market may affect the loan approval and lending speed of banks. For example, as stipulated in Article 5 of "Shanghai Ten Articles", the differentiated housing credit policy should be strictly implemented, the centralized management of real estate loans should be done well, the prudent management of individual housing loans should be strengthened, and commercial banks should be guided to strictly control the pace and growth rate of individual housing loans to prevent sudden lending. These policies will make banks more cautious in the process of approval and lending, resulting in slower lending.

2. Review process: Banks need to go through many links in the process of loan approval and lending, such as review of application materials, credit inquiry and collateral evaluation. These links all need some time. If one link is delayed, it will affect the overall lending speed.