It doesn't matter if you apply for online loans too many times. As long as your loan is not overdue, your credit information will be fine. As long as there is no problem with the credit information, you can still get the loan amount at the bank. Only on the basis of good personal loan credit information can you apply for a loan.

When people need a lot of money in their daily lives, bank loans become the source of funds. Whenever we go to school or work, we need them. Similarly, we all know that we need to repay a certain amount of interest to the other party when borrowing money.

First of all, the conditions for bank loans are:

1, a natural person aged 18 to 65 years old.

2. The actual age of the borrower and the loan application period should not exceed 70 years old.

3. Have the ability to stabilize employment, income and repay loan principal and interest on schedule.

4. Good credit information, no bad records, and legal use of the loan.

5. Other conditions stipulated by the bank.

Second, the loan matters needing attention:

1. The loan can only use collateral, and the sum of the loan amount and the interest during the loan period cannot exceed 1/2 of the assessed value of collateral.

2. Have a long-term and stable income source, which is enough to pay the monthly loan principal and interest.

3. guarantor.

4. Age limit of the borrower: male age+loan period shall not exceed 65 years, and female age+loan period shall not exceed 60 years.

5. Customers blacklisted in the credit information system cannot apply for loans.

6. The loan needs to pay lawyer's witness fee, mortgage registration fee, mortgage property insurance fee, property appraisal fee, etc.

7. Generally speaking, it takes about 1 month to get a loan.