Bank's problem: It usually takes a long time for banks to approve mortgages. If the lender has not prepared all the materials and needs to make them up again, the approval of the mortgage loan will be delayed. If a new loan record appears in the lender's credit report during the mortgage approval period, the bank will re-evaluate the lender's credit level and repayment ability, and the mortgage approval will be delayed. This situation can be reflected to the bank.

Policy issues: The amount of bank loans is tight at the end of the year, and it is also the time for bank liquidation at the end of the year. At this time, most business processes of banks will slow down. If they can only lend money after approval, they will lend money on time and wait quietly.