Description:

1. The bank will comprehensively evaluate the borrower's credit status when reviewing the loan application, including debt situation, income level and other factors.

2. Having an online loan does not mean that you can't get other loans, but it may affect your credit score, thus affecting the loan amount and interest rate.

If you can show good repayment ability, you can still get a loan opportunity through the bank's credit review.

Summary:

Owning online loans will not directly lead to the inability to obtain bank loans. However, it should be noted that timely repayment of debts and maintaining a good credit record are the keys to obtaining future loans. It is suggested to communicate with the bank to understand the loan conditions and requirements in order to better plan the financial situation.

Extended data:

In China, personal credit records are managed by credit information system, which affects personal credit score and loan application results. Paying off debts in time and developing good repayment habits are very important for maintaining a good credit record. Normal repayment helps to improve the credit score, thus improving the loan success rate.