If they refinance, banks need to consider personal debt. If you apply for a loan that month, you can also borrow directly. If it is next month, you need to see if your repayment ability is good. If something is mortgaged, you can apply for a second loan directly.

Bank loan refers to an economic behavior that banks lend funds to people in need of funds at a certain interest rate according to national policies and return them within the agreed time limit. Generally, you need a guarantee, a house mortgage, proof of income and good personal credit information before you can apply.