If a person owes money to the bank and doesn't pay it back, it will be included in the bank's credit blacklist, which is called credit black account. So, can the Black family loan to buy a house? What are the ways to buy a house with a black loan? Xiaobian arranges the following content for you to answer questions and solve doubts. I hope it will be useful to you.
According to the regulations of the people's Bank of China, if the loan owed by the bank to the bank for three times in a row or 90 days in total cannot be returned, it will be included in the blacklist management by the credit investigation system. If the bank loan is returned, the bank can normally handle the loan and other related businesses ten years later. However, loans can be made in the following ways:
1. Find a loan company. Loan companies usually do not value personal credit, but more value collateral. If the Borrower Loans through the loan company and can provide collateral, it will be easier to obtain funds. To apply for a loan, the bank black households can try to apply for a loan from the bank through the local loan company, which is one of the channels for the bank black households to apply for a loan.
2. Private lending. You can borrow money from a private person, and then buy a house. It's better to sign a loan contract, stipulate the repayment period, whether there is interest, dispute resolution and other matters. If you do not want to borrow, you can find someone else to guarantee to solve the problem of borrowing, or use your own house as a mortgage, but you should pay attention to the agreed interest not to be too high.
3. In this case, when the loan company handles the loan, it is likely to let the borrower provide more proof of repayment ability. For example, the pre loan audit will be more severe by examining whether there is collateral under the borrower's name, whether there is real estate, whether the nature of work is stable and other situations. At the same time, when the bank black households apply for loans, the loan institutions may also increase the loan interest rate of the borrowers or reduce the loan amount of the borrowers, depending on the situation.