1. Can illegal accounts get loans?

Fake. The following are related to black accounts, which can be selected according to the borrower's own conditions: 1. Private lending. In this case, the loan company may ask the borrower to provide more proof of repayment ability when applying for the loan. If it passes the inspection The pre-loan review will be more stringent depending on various circumstances such as whether there is collateral in the borrower's name, whether there is real estate, whether the nature of the job is stable, etc. At the same time, if a black household applies for a loan, the lending institution may increase the borrower's loan interest rate or reduce the borrower's loan amount, depending on the situation. 2. If a black household wants to apply for a loan, you can try to apply to the bank through a local loan company Loans, this is one of the channels for black households to apply for loans. 3. Find a loan company. Loan companies usually don’t value an individual’s credit, but rather the collateral. If the borrower obtains a loan through a loan company and can provide collateral, it will be easier to obtain funds. The definition of a white household is that there is no credit record, so it is called a white household. A white household means that there is no mortgage, car loan, credit loan, credit card, etc. in one's name. Generally speaking, a black account is a black account if there are three statuses such as frozen, concern, and bad debt on the credit report. Usually there are three or six overdue credit reports in a row, which is the beginning of the credit report slowly turning into attention and freezing. A white account does not mean the best. A white account can be understood as having no traceable assets and no traceable credit history. At the same time, a white household also means that there are no debts in your name. A black account means that you cannot apply for a loan from a formal financial institution. The only way to clear a black account is to pay off all outstanding debts, contact the relevant bank to remove the abnormal status, and then wait for the credit report to be updated. Maintaining a good credit record for 2 years will basically not have much impact on your personal credit record. To completely eliminate it, you need to wait for 5 years to fully update and cover the bad credit record. How long does it take to recover from the impact of black accounts? In fact, when banks and financial institutions approve loans or credit cards, they mainly look at the records of the past two years. Banks with loose risk control will approve the loan as long as you have not been seriously overdue in the past two years. Some banks have risk control Strictly, we will carefully check all your overdue status. Generally speaking, as long as there are no overdue records, and there are no overdue records in the past two years, there will not be much of a problem with credit reporting. You can try to apply for some products with low thresholds, and cover the past with good records, which will have no impact. It will be huge. To sum up, the credit blacklist will generally be eliminated within five years, that is, five years after the loan is settled. This also means that if the loan cannot be settled, the credit blacklist will always exist. This does not mean that those with unscrupulous accounts will not be able to get loans. Generally, banks will look at the credit records of the past two years. If the credit records are not very bad, it is not difficult to borrow money. Alternatively, black households can also apply for loan products with low thresholds, which is also a good choice

2. Can black households get loans?

The identity of the black account will definitely affect your use of WeChat loans. However, there are many factors for review. The platform conducts a comprehensive assessment based on the user

Black households refer to those who have no household registration information in the national census, no household registration card (resident population registration card), and no ID card. people.

The total population of "black households" is about 13 million, which has become a major issue affecting social fairness and harmony.

According to the sixth census, China’s approximately 13 million people do not have “black households”. According to a survey conducted in July and August 2014 by Wan Haiyuan, an associate researcher at the Macroeconomic Research Institute of the National Development and Reform Commission, and others, more than 60% of these illegal households are people who have given birth to children. Others include people who have not taken the initiative to register, abandoned babies, unmarried births, and related documents. People without household registration due to various reasons such as loss, cumbersome household registration procedures or inaction of grassroots departments.

3. What should I do if the black account wants a loan?

Hello, first of all, if you are overdue, your credit report will be affected according to the length of time. If you are seriously overdue (more than 90 days), your credit report will be black. You will not be able to apply for any loan business before the overdue repayment. Secondly, overdue payment will result in liquidated damages, overdue interest and other additional expenses. It is not new that the final interest rate is greater than the principal for long-term overdue payment, so please treat it with caution. There will be consequences for loan money:

1. If you really do not have the ability to repay, you should negotiate with the lending institution to extend the repayment period or repay it in installments.

2. If the lending institution fails to fulfill the judgment during the performance period after winning the lawsuit, it will apply for compulsory execution.

3. When accepting enforcement, the property, vehicles, securities and deposits in the name of the lender will be inquired according to law.

4. If the lender has no executable property in its name and refuses to fulfill the effective judgment, negative information such as overdue repayment will be recorded in the personal credit report and high consumption and entry and exit will be restricted. There is even a possibility of judicial detention.

4. Can illegal accounts receive loans?

No