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1. no idea how long. i know payment history is important though. maybe i'm speaking out of my ass, but i'd say 2 years good payment history would probably help you in getting approval for higher loan amount. maybe even 1 year. *shrug*
2. as long as you make your payments, bank cannot do anything. you may not get approved for another loan, but the existing loan will stay the same as long as you make payments on time.
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