There is no restriction for Lao Lai's children to buy a house, because their children apply for a loan by checking their personal credit records, and there is no need to review their parents' credit records, so even if they are included in the untrustworthy executor, commonly known as Lao Lai, they have no influence on their children's buying a house. But if Lao Lai transfers the money to his children to buy a house after the court decision, then he needs to face an investigation. If it is true, the relevant shares shall be frozen and sealed up, and the money after the auction shall be used for repayment obligations.

Those who have the ability but refuse to perform the effective judgment and are included in the blacklist of court dishonesty will have a negative impact on social activities and transactions in addition to their personal reputation and credibility. According to the judicial interpretation of the Supreme Law, if it is included in the list of people who have been executed in bad faith, it will be restricted from high consumption: in the future, there will be no restrictions on buying tickets for planes, trains and ships with soft berths and above, hotels with star-rated or above will not be able to obtain vehicles needed for non-operation, and some children's private schools may not be able to attend at high prices in the future. Once it is included in the list of people who have lost their trust, there are actually relevant restrictions on the operation of changing their equity and legal representative.

Personal housing loan is a kind of consumer loan, which refers to the loan issued by the lender to the borrower for the purchase of ordinary housing for personal use. When a lender issues a personal housing loan, the borrower must provide a guarantee. If the borrower fails to repay the principal and interest of the loan at maturity, the lender has the right to dispose of its collateral or pledge according to law, or the guarantor shall be jointly and severally liable for repaying the principal and interest.

The loan object is a natural person with full capacity for civil conduct. The loan conditions are that urban residents use it to buy ordinary houses for their own use, have a house purchase contract or agreement, have the ability to repay the principal and interest, have good credit, and have a down payment of 30% of the funds needed for house purchase and a loan guarantee recognized by the bank.

Personal housing loans are limited to the purchase of self-occupied ordinary housing and urban residents' self-occupied housing, and may not be used to purchase luxury housing.

Basic concepts:

Personal housing loan refers to the loan issued by the lender to the borrower for the purchase of ordinary housing for personal use. Personal housing loan business is one of the main asset businesses of commercial banks. Refers to the loan issued by a commercial bank to a borrower for the first time to purchase a house (that is, a house sold to an individual after development and construction by a real estate developer or other qualified development subject). Personal housing loans mainly have the following three loan forms:

(1) The full name of personal housing entrusted loan is personal housing guarantee entrusted loan, which refers to the personal housing loan entrusted by the housing fund management center to commercial banks by using the housing provident fund. Housing provident fund loan is a policy personal housing loan, on the one hand, the interest rate is low; On the other hand, it mainly provides such loans to low-and middle-income workers who pay the provident fund. However, because the interest difference between housing provident fund loans and commercial loans is above 1%, both investors and ordinary people who buy houses and live in their own homes are more inclined to choose housing provident fund loans to buy houses.

(2) Personal housing self-operated loans are loans granted to individual buyers with bank credit funds as the source. Also known as commercial personal housing loans, personal housing secured loans.

(3) Personal housing portfolio loan refers to the loan issued to the same borrower with housing provident fund deposits and credit funds for the purchase of self-occupied ordinary housing, which is a combination of personal housing entrusted loans and self-operated loans. In addition, there are housing savings loans and mortgage loans.

Does parents' laziness affect their children's future?

It didn't work. Being included in the list of people who have lost their trust will only restrict their personal consumption, travel, loans and other civil acts, and will not affect the family members of the people who have lost their trust. Therefore, parents are untrustworthy executors and will not affect children.

Legal basis:

Article 3 of the Regulations of the Supreme People's Court on Restricting the High 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.

What impact does the blacklist of dishonesty have on children?

Can personal dishonesty affect children? The explanation is as follows:

1. In a sense, having a bad personal credit record will not affect the children, because the credit blacklist is different from the person who is untrustworthy, and there is no compulsory measure, which only affects the borrower's personal credit business and has nothing to do with the children's family.

However, if banks and financial institutions sue you, then your children will not be able to attend expensive private schools, and your parents will be "Lao Lai". For some schools with strict political examination, children's qualification examination is likely to fail, which will more seriously affect joining the army, entering military schools, taking civil servants, institutions and state-owned enterprises.

3. All in all, if it is only a blacklist of credit information, it has no effect on children. At most, it will be the influence of individuals buying a house and doing a card. Don't rise to disbelief, then the impact will be much greater.

My father is a treacherous man. Can I get a loan?

My father is a treacherous man. Can I get a loan?

Lao Wu said

The response time is 5 minutes.

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Hello, dear, it's my pleasure to serve you ~ Yes, parents' dishonesty does not affect their children's loans. Bank credit information generally only examines personal credit, and does not involve parents' dishonesty. However, parents who break their promises will affect their children's enrollment and enlistment. You should be able to produce evidence to prove that you really have the ability to repay. Your father is a treacherous man, which is your father's business. This has nothing to do with you.

Consultation record answered in September 2022-65438+April.

My father is a treacherous man. Can I get a loan?

Hello, dear, it's my pleasure to serve you ~ Yes, parents' dishonesty does not affect their children's loans. Bank credit information generally only examines personal credit and does not involve parents' dishonesty. However, parents who break their promises will affect their children's enrollment and enlistment. You should be able to produce evidence to prove that you really have the ability to repay. Your father is a treacherous man, which is your father's business. This has nothing to do with you.

Extended information "The person who is untrustworthy refers to the person who has the ability to perform but fails to perform the obligations specified in the effective legal documents, commonly known as Lao Lai. If the person subjected to execution fails to perform the obligations specified in the effective legal document, under any of the following circumstances, the people's court shall include him in the list of the person subjected to execution for dishonesty and impose credit punishment on him according to law: (1) Having the ability to perform but refusing to perform the obligations specified in the effective legal document. " Article 1 of the "Several Provisions of the Supreme People's Court Municipality on Publishing the Information of the List of Executed Persons with Breach of Trust", if the executed person fails to perform the obligations specified in the effective legal document and has one of the following circumstances, the people's court shall include him in the list of executed persons with breach of trust and impose credit punishment according to law: (1) Having the ability to perform and refusing to perform the obligations specified in the effective legal document; (2) Forging evidence, Bao Li or obstructing or resisting execution by threatening; (3) evading execution by means of false litigation, false arbitration or concealing or transferring property; (4) Violating the property reporting system; (5) Violating the consumption restriction order; (6) refusing to perform the settlement agreement without justifiable reasons.

My father is a treacherous man. Can I get a loan?

Chen Xiao legal pioneer

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Hello, dear, I'm glad to serve you ~ I can get a loan. Children of faithless people can get loans, and parents are faithless people, which mainly affects parents themselves. At most, it only involves private schools where their children can't charge high fees, because people who break their promises will be restricted from spending high. However, children's loans will not be affected. As long as the children have good credit and the ability to repay the principal and interest of the loan on time, they will generally handle the loan smoothly. If you can release your parents from the list of untrustworthy people in the future, you can also borrow money, and your daily consumption and travel will no longer be restricted, and everything will return to normal.

Consultation record answered in September 2022-65438+April.

My father is a treacherous man. Can I get a loan?

Hello, dear, I'm glad to serve you ~ I can get a loan. Children of faithless people can get loans, and parents are faithless people, which mainly affects parents themselves. At most, it only involves private schools where their children can't charge high fees, because people who break their promises will be restricted from spending high. However, children's loans will not be affected. As long as the children have good credit and the ability to repay the principal and interest of the loan on time, they will generally handle the loan smoothly. If you can release your parents from the list of untrustworthy people in the future, you can also borrow money, and your daily consumption and travel will no longer be restricted, and everything will return to normal.

Legal Basis "Several Provisions of the Supreme People's Court Municipality on Publishing the Information of the List of Executed Persons with Breach of Trust" Article 1 If the executed person fails to perform the obligations specified in the effective legal document and has one of the following circumstances, the people's court shall include him in the list of executed persons with breach of trust and impose credit punishment on him according to law: (1) Having the ability to perform and refusing to perform the obligations specified in the effective legal document; (2) Forging evidence, Bao Li or obstructing or resisting execution by threatening; (3) evading execution by means of false litigation, false arbitration or concealing or transferring property; (4) Violating the property reporting system; (5) Violating the consumption restriction order; (6) refusing to perform the settlement agreement without justifiable reasons.