My husband is blacklisted, and whether my wife can get a loan depends on the type of loan. If it is a housing loan, the husband and wife are a whole after marriage. As a unit, if the husband is blacklisted, the wife can get a loan.

To apply for a personal loan, you only need to check the loan, personal consumption loan, etc. The blacklisting of the husband does not affect the wife's loan.

Regarding the blacklist of credit information, we should know that the blacklist of credit information is also called the list of people who have been forced to perform their obligations for failing to repay on time several times in a row.

If it is blacklisted by the credit information system, the consequence is that banks, companies and other financial institutions apply for loans, and applications for mortgage and car loans are rejected.

To this end, if you want to apply for a credit card, the bank will reject the applicant's application after you submit a credit stain.

Being blacklisted will also affect personal travel. If the personal credit record is blacklisted, such as maliciously defaulting on bank loans, the bank. It will make it impossible for borrowers to fly and stay in star-rated hotels.

Second, the blacklist can be used for loans.

Subjectivity of law: Generally speaking, as long as you are blacklisted, you can't lend money in a short time. Usually, only after five years, the credit will remain good and there will be no overdue situation. Then, after five years, the bad records will be automatically eliminated before you can continue to apply for loans.

Legal objectivity: Article 36 of the Commercial Bank Law: When a commercial bank lends money, the borrower shall provide a guarantee. Commercial banks should strictly examine the repayment ability of guarantors, the ownership and value of collateral, and the feasibility of realizing collateral. After examination and evaluation by a commercial bank, it is confirmed that the borrower has a good credit standing and can repay the loan, and no guarantee may be provided.

Third, can the online loan blacklist still be loaned?

You usually can't get a loan,

If your network black big data is abnormal and frequently used, it may be controlled by big data risk.

Even if you spend money, you may close the door. If you don't know your data,

If you don't know your credit status, you can go to the WeChat public platform: Baixin Quick Check, and you can get your big data and credit status by entering the view.

The exported data can clearly see your own loan risk, address book risk, personal information security and so on. If it is negative, it should be dealt with as soon as possible.