You will come upon some lenders that can ap

You will come upon some lenders that can approve the loan in two years time. While the more strict ones need you to wait three years before you can get a loan. The varying policies are still dependent on your ability to pay plus certain collateral that you need to present. These things are sort of like a security measure on their part since they are not yet sure if you can get back on your feet again or be buried more into debts.