This is possible, but the threshold will be raised a lot. Moreover, if the credit record is good, the monthly repayment amount cannot exceed 50% of the family's monthly income, and you have enough repayment ability, you can also apply for a loan again. However, due to the higher threshold of borrowers, the repayment pressure will be greater, so it is very necessary to make a repayment plan in advance, and reasonable loans are the most important. You can also borrow some money from relatives and friends for turnover. As long as you explain the situation to them and agree on the repayment time, you will generally agree.

As long as it meets the conditions of bank loans, loans can be made in both banks, but there are two things to pay attention to:

(1) Bank loan depends on personal debt ratio. If the loan amount in the previous bank is large, the loan amount in the second bank may be discounted;

(2) If the mortgage loan method is adopted, and the same suite, car or other collateral is mortgaged at present, it is very difficult to apply for a second loan from them.

There will be no conflict between the loans of the two banks, but the subsequent repayment will be inconvenient. It is suggested that if you have a house and a car, you can use the mortgage loan process directly. The higher the amount, the lower the interest rate. If not, you can go to several banks to consult about loans and choose the best one.

The purpose of commercial banks' loan policy is to ensure the coordination of their business activities. Loan policy is the general principle guiding every loan decision. The ideal loan policy can support banks to make correct loan decisions and help banks to operate; Secondly, it is to ensure the quality of bank loans. The correct credit policy can keep the bank's credit management at an ideal level, avoid excessive risks and properly choose business opportunities.

The policies and measures formulated by commercial banks to guide the loan business in order to achieve their business objectives are also the specific policies and measures taken by commercial banks to implement the three principles of safety, liquidity and profitability. The purpose of commercial banks' loan policy is to ensure the coordination of their business activities. Loan policy is the general principle guiding every loan decision.

To apply for a bank loan, you need to prepare materials:

1. Valid ID;

2. Permanent residence or valid residence certificate, permanent residence certificate;

3. Proof of marital status;

4. Bank flow;

5. Proof of income or personal assets;

6. Credit report;

7. Use plan or loan purpose statement;

8. Other information required by the bank.

Requirements for unsecured credit loans of banks:

(1) permanent residence of urban residents with full capacity for civil conduct or valid identity documents of 18 years old, and the age of the lender required for bank loans is generally between 18-60;

(2) have a stable legal income and the ability to repay interest;

(3) Other conditions required by the lending bank.

The procedure for handling unsecured credit loans is usually divided into three steps:

(1) Basic information submitted by the customer, including work unit and contact telephone number.

(2) The lending bank or company should check the credit information of customers, including whether there are any illegal records in the credit rating of customers, and investigate the business operation status of self-employed individuals and small and medium-sized enterprises.

(3) The staff of the lending unit signed a contract with the customer to realize the loan in the shortest time.