កម្ចី

5 ជំហានចុងក្រោយ ដែលអ្នកគួរយល់ដឹងទាក់ទងនឹងការស្នើសុំប្រាក់កម្ចីផ្ទាល់ខ្លួន The last 5 steps in applying for a personal loan

The last 5 steps in applying for a personal loan

 

From our last post, we ‘ve learnt the first four steps to apply for personal loans.

 

Today, Spean would like to share with you the last 5 steps you need to take in order to successfully get a loan.

 

  1. Wait for approval

This is one of the most frustrating parts of all. After you’d summited all the required documents, you have to wait for the banks’ approval to get your loan. Sometimes, it takes them only 2-3days to get it approved, but sometimes it may take up to 2weeks just to get your approval.

 

Why it takes so long?
It’s because the bank need times to do some background check on you. They need to make sure that you can pay off the dues on time by getting your credit data from CBC. (What is CBC? Click here for more detail) So during this time, they will start digging into your credit history, income, debts and others. Once they get it done, they will contact and inform you whether you will get a loan or not.