Net lending is now a popular form of lending because of its low threshold, low demand and fast lending. However, Internet lending is usually modest, and many of them are interested in lending to banks, but are concerned that it will not work. Can you apply for a bank loan after an Internet loan? Let's take a closer look。

Can I apply for a bank loan

**I. Can I continue to apply for bank loans after the Internet loan? **

As a rule, a user can still apply for a bank loan as long as the previous Internet loan does not produce a overdue record and does not affect the user ' s ability to repay. Specifically, the application can continue as long as the user meets the basic conditions for bank loans. If the bank believes that the previous Internet loan affected the loan application, then the user has to repay the loan and apply for a bank loan。

Specific requirements for applying for bank loans**

1. ** Net lending is modest**

Where bank loans are still open, it is important to ensure that they are not significant. If the value of the loan is too high, the bank fears that the user will be under pressure to repay the loan, which may lead to the rejection of the loan application。

2. ** Adequate income support**

As long as the user has sufficient income to prove that he or she has the ability to repay, the bank does not have much to worry about at the time of the audit, even if there is an open web loan。

3.** Reasonable loan demand**

Users need a reasonable demand for credit. Banks are more stringent in their lending practices, especially for users with Internet lending records. Users therefore need to provide a reasonable use of the loan to dispel bank suspicions。

4. ** Good correspondence record**

Banks pay special attention to client letters. It is not scary to have Internet loans, but it is important not to be late, otherwise banks will refuse loans directly。

5.** Provision of collateral**

Banks may have concerns about reapplying for bank loans in the case of Internet loans. At this point in time, users can provide collateral, such as a house or car, to reduce bank concerns and increase the probability of a successful loan。

** In summary,**

To the extent that users meet these conditions, it is not unusual to continue to apply for bank loans in the case of Internet loans。