1. Private lending. In this case, the loan company may require the borrower to provide more proof of repayment ability when handling the loan. If the borrower has a mortgage in his name, whether he has a real estate or not, and whether the nature of his work is stable, the pre-loan review will be more severe. 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.

Interim measures for personal loans

Article 11 An individual loan application shall meet the following conditions:

(1) The borrower is a People's Republic of China (PRC) citizen with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state;

(2) The purpose of the loan is clear and legal;

(3) The amount, duration and currency of the loan application are reasonable;

(4) The borrower has the willingness and ability to repay;

(5) The borrower's credit status is good and there is no significant bad credit record;

(6) Other conditions required by the lender.