I already have a loan. Can I get another loan?

Now there are more and more loan companies and loan products, and users can borrow money if they want to buy a house or a car. Generally speaking, as long as you meet the loan conditions, you can successfully borrow.

Some users may want to apply for a new loan after applying for a loan, but the loan has not been settled yet. Because of the need of new or house purchase, will it be successful to apply for a loan twice or more in general?

Existing loans can be used for secondary loans. In fact, in addition to the specific loan conditions, the main evaluation of the loan is the borrower's credit status and repayment ability. Therefore, whether new loans can be successfully passed with outstanding loans needs to vary from person to person.

Whether the borrower has applied for a mortgage in the bank before, or applied for a credit loan elsewhere, whether to apply for a loan again depends mainly on the borrower's own income and whether the previous loan is repaid according to the contract.

If the borrower belongs to the group that has not paid off the previous mortgage, but wants to apply for other loans from the bank again, the bank will judge according to the monthly repayment amount of all loans and the borrower's income. The average borrower's monthly repayment amount does not exceed 50% of the monthly income. If the monthly repayment amount accounts for a high proportion of the monthly income, the bank may judge that the user's repayment ability is insufficient and refuse the loan.

If the user has applied for other loans from other lending institutions or banks and now wants to apply for bank mortgage, then the borrower needs to meet the down payment standard for house purchase first, and then needs to have a good credit status. The previous loan is not overdue. Of course, the most important thing is the borrower's repayment ability. The comprehensive monthly repayment debt ratio should not be too high. If the guest's monthly income can't reach the monthly repayment amount, it is definitely impossible to apply for a second loan.

When general users want to apply for other loans again, they can provide strong guarantees, mortgages and other loans to lending institutions, which can improve the loan pass rate to a certain extent. Of course, no matter how many loans users have had before, there can be no overdue repayment. Once users are seriously overdue, they will definitely not be able to apply for loans many times.

Users who want to borrow money still need to consider their actual repayment situation, so as to avoid excessive debt and great economic pressure, which will lead to late repayment and bring them more losses than gains.

Can the bank apply for a loan again if it has a loan?

Even if the customer has a loan in his name, he can still apply for a new loan. Banks and licensed consumer financial institutions do not stipulate that customers can only have one loan at a time.

As long as customers have no overdue behavior when repaying loans or other credit products under their names, they will maintain good credit; And can provide sufficient economic and financial information to prove that it has the ability to repay the loan principal and interest on schedule; Moreover, personal debt is not high, there is no long-term borrowing, and there is no "flower" in credit investigation, so loans can often be successful.

Loan (electronic IOU credit loan) is simply understood as borrowing money with interest.

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 the Law on Commercial Banks 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."

Loan security is the primary problem faced by commercial banks;

Liquidity refers to the ability to recover the loan according to the predetermined time limit or realize it quickly without loss to meet the needs of customers to withdraw deposits at any time;

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, and loans should not go wrong.

Repayment method:

1. Equal repayment of principal and interest: that is, the sum of loan principal and interest is repaid by equal monthly repayment. Most banks have adopted this method for housing provident fund loans and commercial personal housing loans. So the monthly repayment amount is the same;

2. average capital Repayment Method: A repayment method in which the borrower repays the loan in every installment (month) and pays off the loan interest from the previous trading day to the repayment date. In this way, the monthly repayment amount decreases month by month;

3. Pay interest and repay the principal on a monthly basis: that is, the borrower repays the loan principal in one lump sum on the loan maturity date [loans with a term of less than one year (including one year)], and the loan bears interest on a daily basis, and the interest is repaid on a monthly basis;

4. Repay part of the loan in advance: that is, the borrower can repay part of the loan amount in advance when applying to the bank, and the general amount is an integer multiple of 65,438+0,000 or 65,438+0,000. After repayment, the lending bank will issue a new repayment plan, and the repayment amount and repayment period will change, but the repayment method will remain unchanged, and the new repayment period shall not exceed the original loan period.

5. Repay all the loans in advance: that is, the borrower can repay all the loan amount in advance when applying to the bank. After repayment, the lending bank will terminate the borrower's loan and handle the corresponding cancellation procedures.

6. Borrow and pay back: interest is calculated on a daily basis after borrowing, and interest is calculated on a daily basis. You can pay the money in one lump sum at any time without any penalty.

You can apply for a loan again if you have a loan.

You can reapply for a loan, because neither major banks nor licensed consumer finance institutions stipulate that customers can only have one loan at a time. As long as their personal qualifications are good and their previous loans are not overdue, they can continue to apply for new loans. However, it should be noted that if they apply for a provident fund loan in their name and then want to apply for a provident fund loan, they cannot apply.

Microfinance

I. Review risks

The emergence of loan risk often begins at the stage of loan review. Comprehensive judicial practice shows that the risks in the loan review stage mainly appear in the following links.

(1) The loan examiner of the bank was omitted from the review content, resulting in credit risk. Loan review is a meticulous work, which requires investigators to systematically investigate and inspect the qualifications, qualifications, credit and property status of loan subjects.

(2) In practice, some commercial banks do not have due diligence, and loan examiners often only pay attention to the identification of documents, lacking due diligence, so it is difficult to identify fraud in loans and it is easy to cause credit risk.

(3) Many wrong judgments are due to the fact that banks did not listen to experts' opinions on relevant contents, or professionals made professional judgments. In the process of loan review, we should not only find out the facts, but also make professional judgments on relevant facts from legal and financial aspects. In practice, most loan review processes are not very strict and in place.

Second, the legal content of the pre-loan investigation

(1) Review the legal status of the borrower, including its legal establishment and continuous and effective existence. If it is an enterprise, it shall examine whether the borrower is legally established and whether it has the qualifications and qualifications to engage in related businesses, and check the business license and qualification certificate. Pay attention to whether the relevant certificates have passed the annual inspection or related verification.

(2) Regarding the credit standing of the borrower, check whether the registered capital of the borrower is suitable for loans; Examine whether there is a clear situation in registered capital flight; Past loans and repayments; And whether the borrower's product quality, environmental protection, tax payment and other illegal conditions may affect the repayment.

(3) Regarding the borrower's loan conditions, whether the borrower has opened basic deposit account and general deposit accounts in accordance with relevant laws and regulations; Whether the foreign investment of the borrower (such as a company) exceeds 50% of its net assets; Whether the borrower's debt ratio meets the requirements of the lender;

(4) Regarding the guarantee, if it is a guarantee, the qualification, reputation and performance ability of the guarantor shall be investigated.

Can I borrow it again after borrowing it? What are the requirements for a second loan application?

With the development of the times, people's consumption desire and living standards have been greatly improved, but sometimes the economic conditions have not kept up, and it is inevitable to borrow money to alleviate the short-term financial pressure. Many people have not paid off their initial loans and want to borrow more. Can they borrow it again after they borrow it? What are the requirements for the second application?

Can I borrow it again after borrowing it?

Under normal circumstances, you can borrow again, but the second application needs to meet the following conditions:

When using the previous loan, the borrower has no record of overdue repayment and has a good personal credit.

The borrower's repayment ability is good, and the second loan application often requires the borrower's repayment ability to be higher, and will require personal income certificate or bank running water.

If you apply for a loan in a bank, the secondary loan requires a higher debt ratio. For example, the debt ratio should not exceed 40%, or more strictly, it should not be higher than 35%. Be sure to find out the situation before borrowing it.

The factors that affect the second loan are generally the borrower's credit information, repayment ability, debt ratio, economic level, age, work, etc., which will affect the individual's comprehensive score and borrowing ability, indicating that the borrower's comprehensive qualification is still good, but in terms of repayment ability and debt ratio, the lender's audit is more strict.

If the loan is made and the loan is not settled, it will still have a certain impact on the second loan. The biggest impact is the loan amount. If the previous loan amount is large, then the loan amount obtained by the second loan will be relatively small.

Can I borrow it again after borrowing it? In the final analysis, it depends on the borrower's own qualifications and the audit requirements of the lending institution. The borrower's credit information is good, the repayment ability is good, and there is no problem in refinancing.

Can I refinance the loan?

Even if the customer has a loan in his name, he can still apply for a new loan. Banks and licensed consumer financial institutions do not stipulate that customers can only have one loan at a time.

As long as customers have no overdue behavior when repaying loans or other credit products under their names, they will maintain good credit; And can provide sufficient economic and financial information to prove that it has the ability to repay the loan principal and interest on schedule; Moreover, personal debt is not high, there is no long-term borrowing, and there is no "flower" in credit investigation, so loans can often be successful.

Of course, if the credit is bad and there are overdue records in the credit report, even if there is no outstanding loan in the name, it is difficult to apply for a new loan in a short time.

And we also need to note that if the customer's name is a provident fund loan and then wants to apply for a provident fund loan, then it can't be handled. Customers must pay off their provident fund loans before they can apply for provident fund loans. And if you have already made two provident fund loans, you can't apply for provident fund loans to buy three suites, whether you settle down or not. In this regard, customers are advised to apply for commercial loans.

Extended data:

Buying a house is a large consumption, so many people will choose to apply for a house loan when buying a house.

First, the application conditions for housing loans

1. Applicants need to have legal residence status, permanent residence or proof of residence status of urban residents, so it is best to buy a house in the location of your residence or the city where you live now.

2. The age must be 18 years old.

3. The applicant must have a compliant job and a stable source of income, and the lender can guarantee that you have the ability to repay the loan principal and interest on time.

4. Need to sign a house sales contract and have paid the down payment ratio stipulated by the bank.

The applicant's credit should be good.

Second, the housing loan application materials

1. Applicants should prepare their own identification documents, that is, valid identification documents;

2. Prepare your own residence certificate, such as household registration book or valid residence certificate;

3. Prepare your work certificate and income certificate;

4. Prepare your own House Sales Contract and related documents;

5. Prepare your own proof of marital status. If you are married, you need to bring a marriage certificate. If you are unmarried or divorced, you need to bring a single certificate.

Application conditions for provident fund loans:

Provident fund loans are loans that employees who pay housing provident fund can enjoy. As long as you pay the provident fund, you can apply for individual housing provident fund loans in accordance with the relevant provisions of provident fund loans. The application conditions for provident fund loans are as follows:

1. The applicant has a permanent residence in this city or a valid residence certificate.

2. The applicant must continuously deposit the housing provident fund in full for at least 12 months before the application, or continuously deposit it for more than 12 months after withdrawing the provident fund.

3. Applicants need to have a legal and stable job and income, a stable economic income and the ability to repay loans.

4. The applicant shall have the contract or relevant supporting documents for purchasing, building, renovating and overhauling the self-occupied ordinary house in this city.

5. The applicant's personal credit should be good, meet other conditions stipulated by the provident fund center, and agree to guarantee according to the guarantee method recognized by the provident fund center.

6. If it is husband and wife, then both husband and wife must have no outstanding housing provident fund loans and housing provident fund policy discount loans.

Of course, the provident fund loan policies may be different in different places, so you'd better consult the relevant local departments and take the actual situation as the standard.