There is already a loan in the name, and users can apply for a loan again as long as they meet the loan conditions. The user's previous loan belongs to the user's personal debt. As long as the debt ratio is not too high, it will not affect the subsequent loan application. Even if the previous loan has an impact, the lending institution will require the user to pay off the arrears in advance, and there will be no impact after paying off the arrears.

Therefore, if there is a loan under the user name, as long as it is repaid on time, you can apply for other loans normally, and you are allowed to have certain liabilities when applying for other loans.

Of course, it should be noted that if there are many outstanding loans in a person's name, the personal debt ratio is too high, because too many frequent loans lead to multiple loans. If the credit information (big data) becomes "spent", I am afraid it will affect the subsequent loan approval. The handling bank (lending institution/platform) may be worried that the customer's economic life is unstable and the repayment ability is insufficient, and think that the loan risk is high, thus refusing the loan. If there are multiple loans in the name, it is best to repay some or all of them first, so that the loan approval will not be affected by the debt problem.

I. Conditions for applying for a loan

1. The applicant is a natural person with full capacity for civil conduct;

2. The borrower has an account or right of abode in the town and needs to have a legal status;

3. Stable occupation, high income, good reputation and the ability to repay the principal and interest of the loan;

4. Some banks will require the applicant to apply for a bank credit card or borrow from a bank with a good credit record;

5. Some assets also need to provide collateral or pledge recognized by the bank, or units or individuals that meet the prescribed conditions and compensation ability can repay the loan principal and interest as a guarantee and bear joint and several liabilities.

Second, the loan introduction

Loan (electronic IOU credit loan) is simply understood as a loan that needs interest.

Loan is a kind of credit activity that banks or other financial institutions lend monetary funds according to certain interest rates and repayment conditions. Commonly known as loans, discounts, overdrafts and other loans. Banks put concentrated monetary funds into the market through loans, which can meet the needs of social expansion and reproduction for supplementary funds and promote economic development. At the same time, banks can also obtain interest income through loans and increase their own accumulation.