Even if the customer has a loan in his name, he can still apply for a new loan. Banks and licensed consumer financial institutions do not stipulate that customers can only have one loan at a time.

As long as customers have no overdue behavior when repaying loans or other credit products under their names, they will maintain good credit; And can provide sufficient economic and financial information to prove that it has the ability to repay the loan principal and interest on schedule; Moreover, personal debt is not high, there is no long-term borrowing, and there is no "flower" in credit investigation, so loans can often be successful.

Of course, if the credit is bad and there are overdue records in the credit report, even if there is no outstanding loan in the name, it is difficult to apply for a new loan in a short time.

And we also need to note that if the customer's name is a provident fund loan and then wants to apply for a provident fund loan, then it can't be handled. Customers must pay off their provident fund loans before they can apply for provident fund loans. And if you have already made two provident fund loans, you can't apply for provident fund loans to buy three suites, whether you settle down or not. In this regard, customers are advised to apply for commercial loans.

Extended data:

Buying a house is a large consumption, so many people will choose to apply for a house loan when buying a house.

First, the application conditions for housing loans

1. Applicants need to have legal residence status, permanent residence or proof of residence status of urban residents, so it is best to buy a house in the location of your residence or the city where you live now.

2. The age must be 18 years old.

3. The applicant must have a compliant job and a stable source of income, and the lender can guarantee that you have the ability to repay the loan principal and interest on time.

4. Need to sign a house sales contract and have paid the down payment ratio stipulated by the bank.

The applicant's credit should be good.

Second, the housing loan application materials

1. Applicants should prepare their own identification documents, that is, valid identification documents;

2. Prepare your own residence certificate, such as household registration book or valid residence certificate;

3. Prepare your work certificate and income certificate;

4. Prepare your own House Sales Contract and related documents;

5. Prepare your own proof of marital status. If you are married, you need to bring a marriage certificate. If you are unmarried or divorced, you need to bring a single certificate.

Application conditions for provident fund loans:

Provident fund loans are loans that employees who pay housing provident fund can enjoy. As long as you pay the provident fund, you can apply for individual housing provident fund loans in accordance with the relevant provisions of provident fund loans. The application conditions for provident fund loans are as follows:

1. The applicant has a permanent residence in this city or a valid residence certificate.

2. The applicant must continuously deposit the housing provident fund in full for at least 12 months before the application, or continuously deposit it for more than 12 months after withdrawing the provident fund.

3. Applicants need to have a legal and stable job and income, a stable economic income and the ability to repay loans.

4. The applicant shall have the contract or relevant supporting documents for purchasing, building, renovating and overhauling the self-occupied ordinary house in this city.

5. The applicant's personal credit should be good, meet other conditions stipulated by the provident fund center, and agree to guarantee according to the guarantee method recognized by the provident fund center.

6. If it is husband and wife, then both husband and wife must have no outstanding housing provident fund loans and housing provident fund policy discount loans.

Of course, the provident fund loan policies may be different in different places, so you'd better consult the relevant local departments and take the actual situation as the standard.

Can I borrow it again after borrowing it? What are the requirements for a second loan application?

With the development of the times, people's consumption desire and living standards have been greatly improved, but sometimes the economic conditions have not kept up, and it is inevitable to borrow money to alleviate the short-term financial pressure. Many people have not paid off their initial loans and want to borrow more. Can they borrow it again after they borrow it? What are the requirements for the second application?

Can I borrow it again after borrowing it?

Under normal circumstances, you can borrow again, but the second application needs to meet the following conditions:

When using the previous loan, the borrower has no record of overdue repayment and has a good personal credit.

The borrower's repayment ability is good, and the second loan application often requires the borrower's repayment ability to be higher, and will require personal income certificate or bank running water.

If you apply for a loan in a bank, the secondary loan requires a higher debt ratio. For example, the debt ratio should not exceed 40%, or more strictly, it should not be higher than 35%. Be sure to find out the situation before borrowing it.

The factors that affect the second loan are generally the borrower's credit information, repayment ability, debt ratio, economic level, age, work, etc., which will affect the individual's comprehensive score and borrowing ability, indicating that the borrower's comprehensive qualification is still good, but in terms of repayment ability and debt ratio, the lender's audit is more strict.

If the loan is made and the loan is not settled, it will still have a certain impact on the second loan. The biggest impact is the loan amount. If the previous loan amount is large, then the loan amount obtained by the second loan will be relatively small.

Can I borrow it again after borrowing it? In the final analysis, it depends on the borrower's own qualifications and the audit requirements of the lending institution. The borrower's credit information is good, the repayment ability is good, and there is no problem in refinancing.

I already have a loan. Can I get another loan?

Now there are more and more loan companies and loan products, and users can borrow money if they want to buy a house or a car. Generally speaking, as long as you meet the loan conditions, you can successfully borrow.

Some users may want to apply for a new loan after applying for a loan, but the loan has not been settled yet. Because of the need of new or house purchase, will it be successful to apply for a loan twice or more in general?

Existing loans can be used for secondary loans. In fact, in addition to the specific loan conditions, the main evaluation of the loan is the borrower's credit status and repayment ability. Therefore, whether the outstanding loans can successfully pass the new loans needs to vary from person to person.

Whether the borrower has applied for a mortgage in the bank before, or applied for a credit loan elsewhere, whether to apply for a loan again depends mainly on the borrower's own income and whether the previous loan is repaid according to the contract.

If the borrower belongs to the group that has not paid off the previous mortgage, but wants to apply for other loans from the bank again, the bank will judge according to the monthly repayment amount of all loans and the borrower's income. The average borrower's monthly repayment amount does not exceed 50% of the monthly income. If the monthly repayment amount accounts for a high proportion of the monthly income, the bank may judge that the user's repayment ability is insufficient and refuse the loan.

If the user has applied for other loans from other lending institutions or banks and now wants to apply for bank mortgage, then the borrower needs to meet the down payment standard for house purchase first, and then needs to have a good credit status. The previous loan is not overdue. Of course, the most important thing is the borrower's repayment ability. The comprehensive monthly repayment debt ratio should not be too high. If the guest's monthly income can't reach the monthly repayment amount, it is definitely impossible to apply for a second loan.

When general users want to apply for other loans again, they can provide strong guarantees, mortgages and other loans to lending institutions, which can improve the loan pass rate to a certain extent. Of course, no matter how many loans users have had before, there can be no overdue repayment. Once users are seriously overdue, they will definitely not be able to apply for loans many times.

Users who want to borrow money still need to consider their actual repayment situation, so as to avoid excessive debt and great economic pressure, which will lead to late repayment and bring them more losses than gains.

Can I borrow again after one loan? Pay attention to these matters.

There are many loan channels now. Many people can borrow money from a loan platform once, but when they see that they can still borrow money, they will certainly borrow money from this platform next time if necessary. After all, it is easier to borrow on a platform with a loan record than to borrow on a new platform. So, can I borrow a loan for a second time? What should I pay attention to? Let's have a look.

Can I borrow again after one loan?

This depends on the loan platform. For example, some loan platforms can make revolving loans, and once the loan is completed, they can make a second loan, provided that the platform can also give the borrower a loan quota, and the loan can only be made after the quota. There are no places, and everything is empty talk.

But it doesn't mean that the loan can be successful if there is a quota, and a second application is needed. Although the previous loan records have reference value, the loan platform is most concerned about the borrower's current credit status, especially since it has been a long time since the last loan, and it is inevitable that the credit status will not improve.

So, what should we pay attention to?

At present, many platforms that can still borrow money are the necessary processes of credit investigation, loan approval and credit investigation. Otherwise, the borrower's qualification cannot be well judged only by the submitted information. Credit cards, loan repayment records, inquiry records and some special records on credit information will all affect lending.

If the borrower wants to borrow money smoothly, it is best to maintain good credit, and it is best not to have any overdue. If it is overdue, it cannot be the current period, and it has been three times in the past two years; Try to settle the outstanding debts of the last credit report to reduce personal liabilities, and do not apply for credit cards and loans frequently for 3 months before the loan.

The above is "Can I get a second loan?" I hope it helps you. In short, if the loan platform can cycle loans, it can apply for a second loan at one time, but whether the loan can be successful depends on the audit results.

The first loan has not been paid off. Can I make a second loan?

You can make a second loan, but you need to meet the requirements of the second loan.

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

1. A China citizen who has a permanent residence, permanent residence or valid residence certificate at the place where the loan bank is located, is under 65 years of age (inclusive) and has full capacity for civil conduct;

2. Have a proper occupation and stable income, and have the ability to repay the loan principal and interest on schedule;

3. Have a good credit record and willingness to repay, and no bad credit record;

4. Being able to provide legal, effective and reliable guarantee recognized by the bank;

5. There is a clear loan purpose, and the loan purpose is in compliance with relevant regulations;

6. Other conditions stipulated by the bank.