You can also go to the bank for a loan if you have arrears, provided that the arrears are still within the repayment period and are not due or overdue.

If the arrears are overdue, customers can't get loans from banks in a short time. Because overdue will lead to credit damage, and every time you go to the bank for a loan, the bank will review the customer's credit information and understand their credit status. Once it is found that the customer's previous loan is overdue, resulting in credit damage, most of them will directly refuse to approve the loan.

It should also be noted that although you can still apply for a new loan in the bank when the arrears are not overdue, you should also be careful not to bear too much debt, otherwise, if the personal debt ratio is too high, it will also affect the subsequent loan approval. In this regard, it is best for customers to pay off their debts before applying for new loans (if they are not clear at the moment, they should also try their best to reduce their personal debt ratio).

At the same time, customers must maintain good personal credit and provide as much economic and financial information as possible when applying for loans to prove that individuals have the ability to repay the loan principal and interest on time.

Microfinance:

I. Review risks

The emergence of loan risk often begins at the stage of loan review. Based on the disputes in judicial practice, we can see that the risks in the loan review stage mainly appear in the following links.

The content of the review omits the loan examiners of the bank, resulting in credit risk. Loan review is a meticulous work, which requires investigators to systematically investigate and inspect the qualifications, qualifications, credit and property status of loan subjects.

In practice, some commercial banks do not have due diligence, and loan examiners often only pay attention to the identification of documents, but lack due diligence. It is difficult to identify the fraud in the loan and it is easy to cause credit risk.

Many wrong judgments are due to the fact that banks did not listen to experts' opinions on relevant contents, or professionals made professional judgments. In the process of loan review, we should not only find out the facts, but also make professional judgments on relevant facts from legal and financial aspects. In practice, most loan review processes are not very strict and in place.