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How do you evaluate time period of work towards submitting credit-related documentation for application?

Hi!

Would appreciate it, if you could help with the following question. 

How do you count the time, required for preparation of documentation for each credit / prereq? Will you start counting from the moment, the owner is ready to provide the related documentation, which you can already upload on the platform? And do you rely on the steps in the reference guidelines, or required documentaiton? 

Thank you.

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