Sometimes people like this also have a big worry about borrowing but it's not that they can't repay the loan but that they can't get the loan back after they've paid off the debt.
I've seen this situation in my neighborhood when someone who works for a bank came to people's homes to survey and collect the last few months' payments from customers who took out loans.
They try to re-offer loans on the grounds that when closing and not borrowing again then future borrowing will be complicated but this is precisely what makes conditions more complicated where ordinary people are still not too aware that in the end we have to stop activities like this so that our economic conditions become better but with the fear that they cannot borrow money again at the bank, this becomes a very difficult thing for customers to avoid.
As far as I know, when we succeed to repay our loan on the banks, it must be easier to get a new loan because we have a good history in borrowing money. Why it will be difficult to get a new loan? Banks must try and try again to get the customers, surely they will persuade us to have a new loan. Even, the banks ensure us with some benefits if we want to have a new loan. They will make is easier in processing the new loan. This is what I experienced for borrowing money on the banks.
It is not a surprising thing if we see some bank employees come to people's homes. In the villages, it is something usual because they can easily get the customers in this way. The bank employees get some money if they succeed to get customers. The banks sometimes set a target for their marketing, they must have certain number of customers in a year.
CMIIW