Generally speaking, credit black households caused by overdue credit cards can only apply for mortgage loans such as real estate mortgage and vehicle mortgage. The following are several loan businesses that black credit users can handle. You can choose a borrower according to your own situation. Private loans, loan companies, such as asking borrowers to provide proof of repayment ability, are all possible. By checking whether there is a real estate mortgage loan under the borrower's name, the pre-loan review will be more serious regardless of the nature of the work. At the same time, black families apply for loans, and lending institutions can also raise the borrower's interest rate or reduce the borrower's loan amount according to the situation. If black families want to apply for loans, they can apply for loans through local loan companies, which is a way for black families to apply for loans. Find a loan company. Loan companies usually don't value personal credit, but value mortgages. If the borrower can provide a guarantee to the loan company, it will be easier to get a loan.