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. 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 have not been 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.
Second, can black households get loans?
The identity of a black household will definitely affect your use of WeChat loans. However, there are many factors in auditing. Comprehensive evaluation of platforms is based on users.
Black households refer to people who have no household registration information, household registration card (resident registration card) and ID card in the national census.
The total population of "black households" is about130 thousand, which has become a major problem affecting social fairness and harmony.
According to the sixth census, about130,000 people in China have no "black households". Wan Haiyuan, an associate researcher at the Macroeconomic Research Institute of the National Development and Reform Commission, conducted a survey in July and August of 20 14, showing that more than 60% of these black households were over-born, and others included those who did not have a household registration for various reasons, such as not actively registering, abandoning babies, giving birth out of wedlock, losing relevant documents, complicated household registration procedures or inaction by grassroots departments.
3. What should black households do if they want a loan?
Hello, first of all, if it is overdue, depending on the length of time, it will have an impact on your credit information. If it is seriously overdue (more than 90 days), the credit investigation is a black account, and you cannot apply for any loan business before it is paid off. Secondly, there will be additional expenses such as liquidated damages and overdue interest. It is nothing new that the final interest is greater than the principal after a long period of overdue. Please be careful. What are the consequences of the loan money?
1. If it is really unable to repay, it shall negotiate with the lending institution to extend the repayment period or repay by installments.
2. If the lender fails to perform the judgment within the performance period after winning the case, it will apply for enforcement.
3. When compulsory execution is accepted, the lender's property, vehicles, securities and deposits will be inquired according to law.
4. If the lender has no property to enforce, refuses to perform the effective judgment, overdue repayment and other negative information will be recorded in the personal credit report, and will be restricted from high consumption and entry and exit, and may even be punished by judicial custody.
4. Can black households get loans?
cannot