After paying off the overdue loan, you generally need to wait for a period of time before applying for a loan from the bank. The timing depends on the specific circumstances, including the lender's policies and the individual's credit profile. Typically, the waiting time is between 1 and 3 years.

If you want to get a loan from a bank after overdue repayment, you need to pay attention to the following points:

1. Credit record recovery time: Overdue repayment will cause certain damage to personal credit record The impact is that it will take some time for your credit history to gradually recover after repayment. Generally speaking, the recovery time of credit history is 1 to 2 years.

2. Prove credit reliability: In addition to waiting time, banks will also pay attention to the borrower's credit reliability. When applying for a loan, you need to provide relevant credit certification materials, such as recent bank statements, personal credit reports, etc., to prove that you have good credit.

3. Bank policy considerations: Each bank has different policies, and the approval standards for overdue repayments also vary. When choosing a lending institution, understanding whether the policies of different banks are more friendly to your situation can help improve the success rate of your loan.

To sum up, after overdue repayment, you need to wait for a certain period of time to get a loan from the bank, and you also need to meet the bank's credit reliability requirements. The specific waiting time will vary according to individual circumstances. It is recommended that after overdue repayment, you should promptly repair your credit and carefully choose a bank that suits your situation for loan application.

Extended information: Late repayment will have a negative impact on an individual's credit status. Overdue repayments will be recorded in the personal credit system. When applying for loans, credit cards and other financial services in the future, banks will refer to personal credit records as the basis for approval. Therefore, paying off debts in a timely manner is very important to maintaining personal credit and will help with future credit applications.

In specific cases, the bank may also judge whether to grant a loan based on the overdue amount, frequency and personal repayment ability. Generally speaking, if the overdue repayment amount is small, does not occur frequently and the individual has a strong repayment ability, the chances of getting a loan are relatively high.

It should be noted that the above are only general answers. The actual situation may vary depending on personal credit history, bank policies and other factors. It is recommended to consult relevant financial institutions to obtain the most accurate information before applying for a specific loan.