It would be good if you can do it. Both mortgage loans and unsecured loans are based on credit reports. It is basically impossible to do it if you are a black accountant. \x0d\The following methods can be considered for black account loans:\x0d\1. Private lending. In this case, the loan company may ask the borrower to provide more proof of repayment ability when handling the loan. For example, it will check the name of the borrower Depending on various circumstances such as whether there is collateral, whether there is real estate, whether the nature of the job is stable, etc., the pre-loan review will be more stringent. 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, depending on the situation\x0d\2. If a black household wants to apply for a loan, you can try to go through a local loan company Applying for a loan from a bank is one of the channels for black accounts to apply for a loan. \x0d\3. Find a loan company. Loan companies usually don't value an individual's credit, but rather the collateral. If the borrower obtains a loan through a loan company and can provide collateral, it will be easier to obtain funds.