You can get a loan and stay in this bank. However, if both are housing loans, then you can't give a 30% interest rate on your second home loan. In case of loan, banks need to consider personal debt. If the loan is handled in the current month, it can also be directly loaned. If it is next month, it depends on my repayment ability. If you have something that can be mortgaged, you can apply for a second loan directly.

I. The Borrower requires:

1, natural person aged 18-60 (Hong Kong, Macao, Taiwan, mainland China and foreigners are also allowed)

2. Have a stable occupation, stable income and the ability to repay the loan principal and interest on schedule.

3. The borrower's actual age and loan application period shall not exceed 70 years old.

Two. Information to be provided by the borrower:

1, ID card of both husband and wife, household registration book/temporary residence permit, and household registration book for foreigners.

2. Two copies of marriage certificate/divorce certificate or court judgment/single certificate.

3. Proof of income (format stipulated by the bank)

4. Copy of the business license of the unit (with official seal)

5. Credit certificate: including education certificate, other real estate, bank running water, large deposit certificate, etc.

6. If the borrower is an enterprise legal person, it must also provide the annual business license, tax registration certificate, organization code certificate, articles of association and financial statements.

3. 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.

Moreover, in different countries and different development periods of a country, the types of loans classified according to various standards are also different. For example, industrial and commercial loans in the United States mainly include ordinary loan limits, working capital loans, standby loan commitments, and project loans. In Britain, industrial and commercial loans mostly take the form of bill discount, credit account and overdraft account.

20 15 years1the latest benchmark interest rate table for bank deposits and loans implemented on October 24th: 4.35% for six months or more, 4.75% for one year or more, and 4.9% for one to five years or more. Remarks: The benchmark interest rate is set by the central bank, and the bank loan interest rate can fluctuate on this basis.