Generally can be mortgaged. Every bank has different mortgage loan conditions. Some banks refuse to apply for mortgages on the credit blacklist, while others will relax their requirements. For example, in two years, the loan was overdue for many times and became a credit blacklist, but other circumstances met the loan conditions. At this time, the credit blacklist can also use the house mortgage to apply for a loan.
Legal basis: Article 395 of the Civil Code of People's Republic of China (PRC): The following properties that the debtor or a third party has the right to dispose of can be mortgaged:
(a) buildings and other land attachments;
(2) The right to use construction land;
(3) the right to use the sea area;
(4) Production equipment, raw materials, semi-finished products and products;
(5) Buildings, ships and aircraft under construction;
(6) means of transportation;
(seven) other property not prohibited by laws and administrative regulations.
The mortgagor may mortgage the property listed in the preceding paragraph together.
Extended data:
What are the conditions of real estate mortgage loan?
1, legal identity is required;
2, need to have a stable economic income and the ability to repay the loan principal and interest, and no bad credit record;
3. Need to have a legal and effective purchase contract;
4. If the newly purchased house is used as a high mortgage, it must have a legal and effective purchase contract, the age of the house is within 10, and a down payment of not less than 30% of the total price of the purchased house has been prepared or paid;
Can black households get loans?
Fake. The following are illegal households, which can be selected according to the borrower's own conditions: 1, private lending. In this case, the loan company may require the borrower to provide more proof of repayment ability when handling the loan. For example, the pre-loan review will be more severe, examining whether there is collateral under the borrower's name, whether there is real estate, and whether the nature of work is stable. 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 as appropriate. 2. If black households want to apply for loans, they can try to apply for loans from banks through local loan companies, which is one of the channels for black households to apply for loans. 3. Find a loan company. Lending companies usually value collateral more than personal credit. If the borrower borrows money through the loan company and can provide collateral, it will be easier to obtain funds. The definition of a white household is that it has no credit record, so it is called a white household. White households refer to no mortgage loans, no mortgage car loans, no credit loans, credit cards, etc.
Black households, generally speaking, have three States of freezing, concern and bad debts, that is, black households. Usually, the credit report is overdue for three consecutive times, which means that the credit report begins to slowly turn to concern and freeze.
White households don't mean the best. White households can be understood as assets with untraceable names and untraceable credit records. At the same time, white households also mean that there is no debt under their names.
Illegal households refer to those who cannot apply for loans from formal financial institutions. The only way to cancel the illegal account is to pay off all debts, contact the relevant bank to cancel the abnormal state, and then wait for the credit update. Maintaining good credit reporting for two years has little effect on personal credit reporting. To completely eliminate it, it will take five years to completely update the credit records with poor coverage.
How long will it take for the influence of black households to recover?
In fact, when banks and financial institutions approve loans or credit cards, they mainly look at the records of the last two years. Banks with loose risk control will be approved as long as you are not seriously overdue in the past two years. Some banks have strict risk control and will carefully check all your overdue situations.
Generally speaking, as long as there is no overdue record at present, it has not accumulated three times in a row in the past two years, and there is not much problem with credit reporting. You can try to apply for some products with low thresholds and cover up the past with good records, which will not have much impact.
To sum up, the blacklist of credit information will generally be eliminated within five years, that is, five years after the loan is settled. This also shows that if the loan remains unclear, the credit blacklist will always exist. For those illegal households, it doesn't mean that they can't borrow money. Ordinary banks can look at the credit records of the last two years. If the credit records are not very bad, it is not difficult to get loans. Or, black households can also apply for low-threshold loan products, which is also a good choice.
Can I still get a loan from the blacklist of credit information?
Credit blacklist can't be loaned. Entering the credit blacklist means that personal credit is serious. When banks apply for loans, they usually take the applicant's personal credit as the basis. In the case of a credit blacklist, they basically refused.
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What does the blacklist of credit information mean?
Blacklist refers to the bad evaluation of personal credit by banks, which directly affects personal loans to banks and other businesses. The word blacklist comes from world-renowned universities such as Oxford and Cambridge in Britain. In the early Middle Ages, these schools stipulated that the names and behaviors of students who committed bad behaviors should be recorded in black books.
How to get a loan when the credit information is hacked?
If the credit information is black, you can find a loan from a local loan company. Loan companies usually value collateral more than personal credit. If the borrower borrows money through the loan company and can provide collateral, it will be easier to obtain funds. Borrowers can also borrow money through private lending and online secured lending.
1. Mortgage loan, also known as "mortgage loan". Refers to a loan method adopted by some national banks. The borrower is required to provide a certain amount of collateral as loan guarantee to ensure the repayment of the loan at maturity. Collateral is generally easy to preserve, wear and tear and sell, such as securities, bills, stocks, real estate and so on. After the loan expires, if the borrower fails to repay the loan on time, the bank has the right to auction the collateral and repay the loan with the proceeds from the auction. The balance of the auction money after paying off the loan shall be returned to the borrower. If the auction money is not enough to pay off the loan, the borrower will continue to pay off.
2. Mortgage means that the mortgagor (buyer) obtains the ownership of the purchased commercial house by installment. There are two meanings for buyers: first, the house payment can be paid in installments within the prescribed time limit; Second, in the installment stage, the ownership of the house is "pressed" and cannot be "uncovered" (taken away) until it is paid in full. In addition, mortgage trading involves three kinds of debt relationships-namely, the relationship between the mortgagor (buyer), the developer (seller) and the mortgagee (usually the relevant bank). Its procedure is that the mortgagor (purchaser) first signs a purchase contract with the developer and prepays part of the purchase price; Then the mortgagor (buyer) signs a mortgage contract with the mortgagee (bank) on the basis of this contract, and the bank pays the rest of the house purchase money to the developer, and the buyer pays it to the mortgage bank regularly until the "mortgage money" is paid according to the regulations, and the mortgage process ends.
Third, mortgage loan is a way for buyers (mortgagors) to borrow money from banks (mortgagees). That is, the buyer takes the purchased property as collateral, signs a mortgage contract with the bank, and takes the way of not transferring ownership as a guarantee to repay the loan to the bank on schedule. Interest must be paid on this loan. After the buyer (mortgagor) pays off the principal and interest to the bank according to the contract, he can recover the collateral-Property Ownership Certificate and Land Use Certificate. In other words, property buyers do not really own the ownership of the houses they buy before paying off the loans. If the repayment is not made on time, the bank can handle it according to law.
Fourth, mainly in terms of interest rates, mortgage loans are commercial loans, also known as personal housing loans. Mortgage loan refers to the loan that the borrower obtains from the bank with certain collateral as guarantee. The interest rate is the benchmark interest rate stipulated by the People's Bank of China. In the past, there was a discount for buying a house at the mortgage interest rate. Due to tight policies and small quotas, interest rates have risen instead of falling. But the floating property of mortgage loan is lower than that of mortgage loan.
5. Mortgage trust loan means that the trustee accepts the entrustment of the principal and issues the loan according to the object, purpose, term, interest rate and amount specified by the principal (or in the trust plan), and the financier takes real estate mortgage as the guarantee method of the trust loan. The interest rate plus handling fee is generally around 18% per year.
How to borrow money from the blacklist
Cannot apply for a loan.
If you have entered the "blacklist" of the banking system, it is almost impossible to apply for a bank loan or credit card again.
Bank blacklist refers to users who are overdue for a long time, have failed to repay for many times, illegally cashed out, and have been listed as refusing credit by relevant banks.
Being listed as a bank's "problem customer" and entering the "blacklist" of the banking system, which is what we often call "black account", has certain standards. Only those who have many overdue repayment records in the bank and have poor credit can become black households.
Extended data
The following behaviors will enter the "bank blacklist":
1, credit card for 90 consecutive days (three consecutive days), or six overdue payments (six consecutive days).
2. Car loans and mortgage loans are overdue or unpaid for 2 to 3 months.
3. Personal credit card cashing is serious.
4. Being included in the list of untrustworthy people, the debt has not been paid off so far.
5. Failing to pay the annual credit card fee and interest on arrears (including late fees and penalty interest) in time.
6. Other loans are not repaid in time.