You also got 400 thousand. Did you return them all? If you don't pay it all back and want to borrow it again, you must borrow it again. The loan must go through normal procedures! If all the money has been paid back, but the contract has not expired, if you want to use the money again, you need to find the signature of the relevant leader before you can use it again (one yard for one yard). In short, you need to refinance (you have a good reputation, it may be easier, and the amount may increase compared with the previous period; But you should know: ordinary banks don't agree with you to repay the loan in advance.