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No, you can only apply for second subsequent HELB loan if you had applied for first time and received the loan. If you want to apply second or third year, then you need to apply as a first time applicant.
If helb loan tells you that you are not eligible to apply for subsequent loan, then it means three things.If your application was successfully submitted, then you cannot apply again.If you have never applied for HELB loan, then you need to apply for first time application not subsequent.If you have over stayed in University or College (past the normal of years of study), then you have exceeded the number of allowed loans for your course.
Institution details are missing means that your institution details are not available in the system. You need to visit Huduma Center (HELB Desk) to have your institution updated in the system.
Provide the error that you are getting when you try to apply for your subsequent loan to help us understand your problem.
You cannot apply for HELB loan without an ID. For you to sign loan agreement with HELB, you must provide your ID number, without it, the agreement cannot be signed, which means you cannot apply for HELB loan.