Black household loan:
1, private lending
In this case, the loan company may ask the borrower to provide more proof of repayment ability when handling the loan. If the borrower has a mortgage, a real estate and a stable job, 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.
If black households want to apply for loans, they can try to apply for loans from banks through local loan companies, which is also one of the channels for black households to apply for loans.
4. 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.
Bank blacklist refers to credit card users who are listed as refusing credit by relevant banks.
Bank blacklists are not allowed to handle bank loans. Blacklist data is kept in the personal credit information system of the central bank for five years, and negative information such as particularly serious and obviously malicious bankruptcy is kept for ten years. If the retention period exceeds, the negative record will be deleted in the personal credit report. If it is to be eliminated, it will take another five years. After the seven-year retrospective period of credit card blacklist, the bank will automatically cancel the blacklist.
The blacklist will have a permanent impact on many things such as buying a house loan and running a business in the future.
From the current point of view, no matter what kind of loan credit "black households" apply for, it is more likely that they will be rejected by lending institutions, but if their real estate and cars can find a pawnshop to handle mortgage loans. According to many sources, pawnshops have no requirements for borrowers' credit. As long as the collateral meets the requirements of the pawnshop, the borrower can provide complete loan procedures and get the loan smoothly, but the loan period is short, which is not suitable for long-term capital turnover.
In addition, individuals whose credit cards are overdue should never rush to cancel their credit cards. This is a cover-up, because if the card is cancelled, the bad credit record still exists. The accurate way is to pay off the debt immediately, continue to use the card, maintain a good repayment habit, and then generate a new credit record.
Bad credit records will not be kept forever. They will be kept for five years and will be automatically eliminated after five years.
The down payment is more than 30%.