Of course. Even if the bank loan that the customer has already handled has not been repaid, he can apply for a new loan. Banking financial institutions have not stipulated that customers can't borrow if they have debts. In fact, as long as the customer's personal credit is good, there is no bad record (big data) in the credit; As well as a stable source of economic income and the ability to repay the principal and interest of loans on time, loans can generally be handled smoothly.

Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.

The "three principles" refer to safety, liquidity and efficiency, and are the fundamental principles of commercial banks' loan operation. Article 4 of People's Republic of China (PRC) Commercial Bank Law stipulates: "Commercial banks should operate independently, bear their own risks, be responsible for their own profits and losses, and be self-disciplined, and take safety, liquidity and efficiency as their operating principles."

1, loan security is the primary problem faced by commercial banks;

2. Liquidity refers to the ability to recover the loan within a predetermined period or realize it quickly without loss of land, so as to meet the needs of customers to withdraw deposits at any time;

3. Efficiency is the basis of sustainable operation of banks. For example, if a long-term loan is issued, the interest rate will be higher than that of a short-term loan, and the benefit will be good. However, if the loan term is long, the risk will increase, the security will decrease and the liquidity will weaken. Therefore, the "three natures" should be harmonious, so that there can be no problem with the loan.

What customers need to pay attention to is not to borrow too frequently in a short period of time, otherwise it is prone to long-term borrowing. If the credit information (big data) becomes "obsolete" as a result, it may affect the approval of subsequent loans. In this regard, customers need to wait patiently for a period of time, do not apply for new credit products for the time being, and it is not too late to borrow money after the situation of "spending money" in credit reporting (big data) has improved.

Loans with different conditions:

Loan type 1: personal credit loan

Personal credit loan is a fashionable loan method, so what conditions do you need to apply for this kind of loan? Under normal circumstances, the bank requires the borrower to have a second-generation ID card, a certificate of stable work, a certificate of income, and a certificate of loan use; Personal credit status is good; There are also certain restrictions on the income of borrowers. The average monthly income of ordinary borrowers is not less than 4000 yuan.

Loan Type 2: Housing Mortgage Loan

In addition to strong requirements on the income and credit of the lender, the housing period should be less than 20 years and the housing area should be more than 50 square meters; The house is highly mobile; The amount of mortgage loans shall generally not exceed 70% of the assessed value of the house. In this way, after the relevant information is submitted to the bank for approval, you can apply for a loan with a maximum of150,000 and a maximum term of 20 years.