The debt of one company will affect the loan of another company. As a natural person, the legal representative does not need to bear the debts of the company, but the changed legal person should bear the debts of the original company. Whether the new enterprise debt ratio can apply for loans depends on the enterprise's own debt ratio. The debt ratio of enterprises is too high, and when applying for loans, banks may refuse the applicant's loan application. For general lending institutions, corporate debt ratio is high and it is difficult to pass the examination and approval. In addition, the debt ratio of enterprises is too high, and some lending institutions will refuse the lender's application in order to reduce the risk. When applying for a loan, the bank will ask the borrower to provide collateral as collateral.