The relationship manager will walk through the application process with the customer, beginning with asking for personal information, employment, income, property price/location, requested loan amount, own assets and outstanding liabilities, and other relevant questions. It takes 2 to 10 working days to complete credit assessment. If application is approved, the customer will be given a letter of offer with stated loan terms and conditions. If the customer accepts the offer, the bank will provide the full loan agreement, mortgage agreement and other documents for signing.
