1. completeness and accuracy of application materials: providing complete and accurate application materials can speed up the review process. Incomplete or incorrect application materials will lead to prolonged review time.

2. The applicant's credit record and credit score: The applicant's credit record and credit score are important factors for the bank to evaluate credit risk. With a good credit record and a high credit score, the approval will increase, but it does not mean that the approval time will be longer.