The average bank will refuse to lend if it meets the "three consecutive six" in the past two years. According to your description, you have been overdue for "three consecutive years", but it is not the record of the last two years, so some banks can lend.

Specific suggestions can be consulted with specific banks, because each bank has different policies and loan easing.

I hope the above reply is helpful to you and can be adopted. Thank you~