This depends on the specific situation. The loan needs to meet the bank's conditions. If you meet the requirements, you can apply for a loan.

To apply for a loan, borrowers must meet basic conditions such as having a market for their products, having profitable production and operations, not misappropriating credit funds, and abiding by credit, and must meet the following requirements:

1. Have the ability to repay principal and interest on schedule. The original loan interest payable and due loans have been basically repaid; if they have not been repaid, a repayment plan approved by the lender has been made;

2. Except for natural persons and institutional legal persons that do not need to be approved and registered by the industrial and commercial department, Annual inspection procedures should be completed through the industrial and commercial department;

3. A basic account or general deposit account has been opened with a loan cooperative, and a certain amount of payment deposit is retained in the account; voluntarily accepts credit and credit from the loan cooperative The supervision and inspection of settlement can ensure that business plans and related business and financial statements are regularly submitted to the loan agency;

4. Those who apply for guarantees or mortgage loans must have a loan guarantor, loan collateral or loan that meets the regulations. material. The loan guarantor must be an enterprise or economic entity that has a deposit account in a rural credit cooperative and has good economic benefits and credit standing. Loan collateral must comply with the "Guarantee Law of the People's Republic of China" and relevant laws and regulations. In principle, it should be mainly real estate (such as houses, land), must be commercial, and be easily liquidated.

5. The borrower’s asset-liability ratio shall not be higher than 70%.

6. When applying for loans for fixed assets, real estate and other projects, the borrower’s owner’s equity, self-raised funds The proportion must meet the requirements stipulated by the State Council, and complete, standardized and valid documents must be submitted in accordance with the requirements of project management. 7. Except for the provisions of the State Council, the cumulative amount of external equity investments of limited liability companies and joint stock companies does not exceed 50% of their net assets;

8. The borrower must apply for a loan card in accordance with the regulations of the People's Bank of China , and go through annual inspection procedures as required.