1, bank black account
Black households in banks cannot apply for mortgages, car loans and credit cards from banks, and banks will also refuse to provide other financial services to customer service.
2. Credit information black households
In addition to being unable to apply for loans from banks, it is also difficult for black households to apply for online loans. At the same time, users with bad credit information will be blacklisted if the circumstances are serious, which will affect their children's reading, daily consumption and travel.
Will have a certain impact. Especially underage children need the support of their parents, so the blacklist of parents will naturally have more or less indirect effects on children, such as: restricting children from attending private schools with high fees; Being unable to fly means that you can't take your children to further places and travel abroad; Can't buy some insurance products for children.
If the person subjected to execution is a unit, the person subjected to execution, its legal representative, principal responsible person, person directly responsible for debt performance and actual controller shall not carry out the acts specified in the preceding paragraph after taking measures to restrict consumption. Anyone who uses personal property for private consumption to commit the acts mentioned in the preceding paragraph may apply to the enforcement court for enforcement. If the examination by the enforcement court is true, it shall be allowed.
1, unable to apply for loans in banks, microfinance companies and other financial institutions.
You can't apply for a credit card any more. If personal credit has a bad record, it is impossible to apply for another credit card for personal daily consumption. All banks are the same, because all banks can check your credit history.
3. Affect personal travel. If personal credit records are blacklisted, for example, those who maliciously default on bank loans will be prosecuted by banks. It will make it impossible for borrowers to fly and stay in star-rated hotels.
As can be seen from the consequences, the negative consequences of the blacklist of personal credit information are all aimed at individuals; But individuals are also members of the family, and if they have bad records, they will also affect the family to a certain extent. For example, traveling with family members will definitely cause inconvenience.
Legal basis: Article 3 of the Provisions of the Supreme People's Court on Restricting the High Consumption of the Executed.
If the person subjected to execution is a natural person, after taking measures to restrict consumption, he shall not have the following high-consumption and non-essential consumption behaviors for life and work:
(a) when taking the means of transportation, choose the second class or above of the plane, train soft sleeper and ship;
(two) high consumption in hotels, hotels, nightclubs, golf courses and other places above the star level;
(three) the purchase of real estate or new construction, expansion, high-grade decoration of housing;
(four) leasing high-grade office buildings, hotels, apartments and other places to work;
(5) Purchasing non-essential vehicles;
(6) tourism and vacation;
(seven) children attending private schools with high fees;
(8) Paying high premiums to purchase insurance wealth management products;
(9) Non-essential consumption behaviors such as taking all seats of G-prefix EMU trains and first-class and above seats of other EMU trains.
Legal basis: the State Council General Office's opinion on solving the problem of registered household registration for people without household registration.
Second,
(1) Persons without registered permanent residence who do not conform to the family planning policy. For children born outside the policy or out of wedlock, I or my guardian can apply for registration of permanent residence in accordance with the policy of voluntary settlement with parents, with birth medical certificate and one parent's household registration book, marriage certificate or explanation of out-of-wedlock births. If you apply to settle down with your father and have no hukou, you need to provide a paternity test certificate issued by a qualified appraisal agency.
Opinions of General Office of the State Council on Solving the Registration Problem of Unregistered Persons
Second,
(2) Persons without registered permanent residence who have not obtained the medical certificate of birth. If a person is born in a midwifery institution without a registered permanent residence, he or his guardian may apply to the midwifery institution for a Birth Medical Certificate; For the non-registered persons born outside the midwifery institution, I or my guardian shall provide the paternity test certificate issued by a qualified appraisal institution, and go to the institution entrusted by the county-level health and family planning administrative department to apply for the birth medical certificate. Persons without household registration or their guardians shall apply for permanent residence registration with the medical certificate of birth and the household registration book, marriage certificate or instructions of one parent born out of wedlock.
Article 3 of the Regulations of People's Republic of China (PRC) Municipality on Household Registration Management shall be the responsibility of public security organs at all levels.
In towns with police stations, the jurisdiction of the police station shall be the domicile; Townships and towns that do not have public security police stations shall take the townships and towns' jurisdiction as the household registration area. Township and town people's committees and public security police stations are household registration organs.
The accounts that live in organs, organizations, schools, enterprises, institutions and public dormitories shall be designated by each unit to assist the household registration authority in household registration; Decentralized residence accounts are directly registered by the household registration authority at the place where the accounts are located.
The accounts of non-active servicemen living in military organs and military dormitories shall be designated by each unit to assist the household registration authority registered permanent residence.
Accounts of production cooperatives such as agriculture, fishery, salt industry, forestry, animal husbandry and handicrafts. , the designated cooperative should assist the household registration authority in household registration. Accounts other than cooperatives are directly registered in the accounts by the household registration authority.
Article 3 of the Regulations of the Supreme People's Court on Restricting the High Consumption and Related Consumption of the Executed Person stipulates that if the executed person is a natural person, after taking measures to restrict consumption, he shall not have the following high consumption and unnecessary consumption behaviors:
(a) when taking the means of transportation, choose the second class or above of the plane, train soft sleeper and ship;
(two) high consumption in hotels, hotels, nightclubs, golf courses and other places above the star level;
(three) the purchase of real estate or new construction, expansion, high-grade decoration of housing;
(four) leasing high-grade office buildings, hotels, apartments and other places to work;
(5) Purchasing non-essential vehicles;
(6) tourism and vacation;
(seven) children attending private schools with high fees;
(8) Paying high premiums to purchase insurance wealth management products;
(9) Non-essential consumption behaviors such as taking all seats of G-prefix EMU trains and first-class and above seats of other EMU trains.
If the person subjected to execution is a unit, the person subjected to execution, its legal representative, principal responsible person, person directly responsible for debt performance and actual controller shall not carry out the acts specified in the preceding paragraph after taking measures to restrict consumption. Anyone who uses personal property for private consumption to commit the acts mentioned in the preceding paragraph may apply to the enforcement court for enforcement. If the examination by the enforcement court is true, it shall be allowed.