I used to have a mortgage in Xiamen. If the lender's income is stable and he still has enough repayment ability, he can apply for a loan again.

To apply for a loan again, you need to meet the following conditions:

1. A China citizen who has a fixed residence in China, a permanent residence in a local town, has full capacity for civil conduct and is 18-65 years old;

2. Have a good job with a just and stable income, and have the ability to repay the loan principal and interest on schedule;

3. Abide by the law, and have no illegal acts and bad credit records;

4. The purpose of the loan is clear, in line with national regulations, and relevant certificates can be provided;

5. Other conditions stipulated by the bank.

materials need to be prepared for the second loan:

1. My valid identity certificate;

2. Proof of residential address (household registration book, etc.);

3. Personal professional certificate;

4. proof of income of the loan applicant and his family members;

5. Other information specified by the bank;

6. loan application form.

Handling process:

1. The lender needs to fill in a written application form and prepare relevant materials.

2. The bank examines the application materials of the lender and verifies whether the situation is true.

3. After approval, the lender signs a loan contract with the bank.

4. When the bank lends money, the borrower performs the repayment as agreed.