1. Can black households still borrow money?

you can't apply for a loan after being blacklisted.

There are usually three types of blacklists:

1. Blacklist of credit information. If it is overdue for three consecutive times or accumulated for six times within two years, it will be blacklisted.

2. Blacklist. If a lender refuses to repay the loan after being sued, it will be blacklisted, which is also called "Lao Lai List".

3. Blacklist of institutions, which is the internal blacklist of lending institutions. If you are overdue in a lending institution for many times, you will be blacklisted.

second, can you get a loan from the blacklist?

It is not absolutely impossible to apply for a loan if you have a blacklist of banks, but it depends on the degree of your bad record and how long it has been since you have had a bad record.

for example, the annual credit card fee is forgotten, overdue by 1.2 days, lost and forgotten to make up, and so on.

At present, many small commercial banks don't look at your statements or credit records in a formulaic way, like the big four state-owned banks. They will analyze the factors that cause your bad credit records.

You should check your specific credit record. You can go to your local People's Bank to print a personal credit report for free with your ID card to see where your bad credit record is.

3. Can I still borrow money from the blacklist?

Since it is a blacklist, I can't borrow money! If you want a loan, you must pay off the original one and erase the blacklist. Apply again

IV. Can I get a loan from the blacklist

Subjective law: Generally speaking, as long as I enter the blacklist, I can't get a loan in a short time. Usually, only when the credit is kept in good condition within five years, and there will be no overdue cases, then the bad records will be automatically eliminated after five years before you can continue to apply for loans.

legal objectivity: article 36 of the commercial bank law stipulates that a borrower shall provide a guarantee for a commercial bank loan. Commercial banks should strictly examine the repayment ability of guarantors, the ownership and value of collateral and pledge, and the feasibility of realizing mortgage and pledge. After examination and evaluation by a commercial bank, it is confirmed that the borrower's credit standing is good and the loan can be repaid, and no guarantee may be provided.