Legal analysis: you can buy it in full, but you can't borrow it. Black households have to wait at least five years after repayment. After five years, the bad credit record will be cleared automatically, and then you can borrow money to buy a house. At the same time, if it is previously included in the list of people who have lost their trust, they need to apply to the court for cancellation after paying off the arrears. After the cancellation, various height restrictions on black households will be cancelled accordingly. Black households generally refer to those who are overdue for three months in a row and six times in the past two years. Legal basis: restrictions imposed on the lender by Article 24 of the General Rules for Loans: 1. Loans must be issued in strict accordance with the relevant provisions of Article 39 of the Law of People's Republic of China (PRC) Commercial Bank on the management of asset-liability ratio. Article 40 stipulates that the conditions for issuing credit loans to related parties and secured loans to related parties shall not be better than those of other borrowers. 2. The borrower shall not be granted a loan under any of the following circumstances: (1) The borrower does not meet the qualifications and conditions stipulated in Article 17 of Chapter IV of these General Rules; (two) production, operation or investment in products and projects prohibited by the state; (3) Violating the provisions of the State on foreign exchange control; (four) the construction project has not obtained the approval documents, and shall be reported to the relevant departments for approval in accordance with the provisions of the state; (five) the production, operation or investment projects have not obtained the permission of the environmental protection department; (six) in the process of institutional changes such as contracting, leasing, joint venture, merger (merger), cooperation, division, paid transfer of property rights, and shareholding system reform. , the original loan debt is not paid off, the original loan debt is implemented or the corresponding guarantee is provided; (seven) there are other serious illegal business practices. Three, without the approval of the people's Bank of China, foreign currency loans may not be issued to natural persons. Four, self loans and specific loans, in addition to the provisions of the people's Bank of China interest, shall not charge any other fees; Entrusted loans, in addition to the provisions of the people's Bank of China to collect fees, shall not charge any other fees. Five, shall not advance funds to the client, unless otherwise stipulated by the state. Six, strictly control credit loans, and actively promote secured loans.