As long as the qualifications are up to standard, there is no problem with the loan.
Because when judging whether an individual meets the loan requirements, banks or lending institutions will not look at whether an individual has applied for a loan, but pay attention to his repayment ability and credit status, but you already have a loan, so it may be a bit difficult to apply again. However, the following conditions must be met: 1, full capacity for civil conduct;
2. Have the ability to repay in full and on time;
3. Personal credit record is good;
4. Liabilities should not be too high;
5. The total monthly repayment cannot exceed 50% of the family's monthly income.
2. If the loan is not paid off, can I borrow again?
Under the condition of normal repayment, you can of course borrow other loans.
3. If the loan is not paid off, can I borrow again? Related to these factors
At present, many people are short of money and have not paid off after borrowing money from a certain platform, but they are in urgent need of money. You want to know if you can't pay off the loan, can you borrow it again? In fact, whether the platform can recycle loans has little to do with arrears, but is related to these factors.
If the loan is not paid off, can I borrow again?
Under normal circumstances, the loan in arrears will not affect the refinancing, but whether it can be refinanced depends on these circumstances.
1. Did you repay on time? Actually, it's overdue. As we all know, if there is a loan, it is not difficult to borrow again. Once the discount is exceeded, in order to avoid loans overdue, it will be restricted from borrowing again, and will not be recovered after paying off the overdue loan.
2. Whether the line is cyclical: Most loan platforms use the line, and they can borrow only when there is an available line. If repayment is resumed, they will be allowed to borrow again. However, it should be noted that it is the recovery part of each repayment, and a single payment still needs to be completed before the recovery.
3. Is there a time limit? When the number of loans exceeds the limit, many loans will appear. For example, there can only be 20 loans at the same time. If you want to borrow again, you should pay off at least one of them.
4. Whether it is used for designated purposes: Most loans can only be used for daily consumption loans and cannot flow into real estate, investment and other markets. If it is not used according to the regulations, it will not be allowed to lend again.
The above is "outstanding loan". I hope to help everyone. " 4. If the loan is not paid off, can I borrow again?
The loan has not been repaid. As long as there is no overdue record and the conditions for refinancing are met, users can apply for a loan again. As for whether the second loan can pass the audit, this is subject to the final audit result. Generally speaking, you can pass the previous loan review. As long as the credit qualification conditions have not changed much, the probability of applying for a loan again is still relatively high. In addition, if the loan has not been repaid, please be careful not to generate overdue records when applying for the loan during the repayment period. The consequences of not repaying the mortgage on time are as follows: No matter what kind of loan, as long as the borrower has overdue records, it will generally be reflected in the credit report, which will have an impact on the borrower's next loan. For borrowers who fail to repay their mortgage loans on time, the bank will handle the penalty interest and gradually increase it with the extension of overdue time. If the borrower is overdue for many times and remains indifferent despite repeated reminders from the bank, the bank will freeze the mortgaged house and auction the house according to relevant regulations, and the proceeds will be used to repay the loan principal and interest first. If the income is not enough to repay the principal and interest of the loan, the bank will take other measures to collect it until all the loans are recovered. The reason for the loan failure "lack of qualification" is the most beautiful excuse for banks. Many people who apply for loans are rejected will feel that "happiness is always so full and reality is always so backbone". In fact, there are many reasons for loan failure. It may be that the bank credit specialist doesn't know the industry of the loan applicant, the bank's credit line is full when applying for the loan, or the loan application amount is too small for the loan officer to complete. But no matter what the reasons for the loan failure are, the answers you get are often: insufficient personal qualifications, unqualified collateral, unsecured and other reasons. Therefore, don't think that the rejection of the loan application is a "tragedy". Many times, you will find several different banks to apply or even apply for several times, which will often have different results. You can't get a loan here. Applying for a loan from your own loan office is actually the same as filling in the college entrance examination. Just because a school fails in the exam doesn't mean that all schools have closed their doors to you. By the same token, the failure of bank loan does not mean that the bank has closed the door to you, because a bank has many branches, and this one refuses you, not necessarily other branches will refuse you; Just because one bank rejects you doesn't mean that other banks will reject you. One financial institution rejects you, and other financial institutions may accept you. According to statistics, a small and medium-sized enterprise has to contact more than 10 banks on average to successfully raise funds. When applying for a loan, individuals should pay attention to the fact that if many banks point out the common problems of your loan being rejected, this may be the real reason for your loan failure, and you need to make up for it in time in order to gain trust in future contacts with banks.