Well, she's certainly too young to give up hope!
I've heard a number of people say that it takes 3 years for a Havanese coat to fully develop. That seems to be about what it was for Kodi.
Some dogs have what is called a "slow coat", that just takes longer to mature. Panda is a bit in that category. If you look at the photo I posted of her, she's got PLENTY of coat, but it isn't as long as some Havanese her age. (though it has recently gotten better)
Kodi's is MUCH longer, but he's 7 1/2... On him, I trim his chest hair a bit from time to time or it drags on the ground.
Just from Lola's legs, it looks like her coat is still immature. Usually, on an adult Havanese who has never been trimmed, the hair on their legs hangs straight down and over their feet.
I'll post the photo of Panda again here for reference, since she's not that different in age, and try to find one of Kodi standing.
OK, the first is Panda today, at 15 months. The second is Kodi at 15 month, and you can see his coat was MUCGC longer at that age. The other two are fully adult photos of Kodi within the last year. You can see how his coat just about touches the ground in front, and you can't see ANY "layering" on his legs, because all the hair is long enough to reach the ground, where I trim it at floor level.
Panda's leg hair is that long already, but not her body hair. In two of the three photos of Kodi, the hair on his feet is drawn up a bit because it was wet. (the 15 month after-bath picture, and the trial picture, where it was pouring outside when I had to take him out to potty!