1. If the house bought with a bank loan does not repay the loan, the blacklist will exist permanently. However, if the debtor pays off the debt, the calculation will start from the day when the debt is paid off, and the blacklist will be calculated after 5 years. , the personal credit blacklist will be automatically eliminated.

2. If the blacklist refers to the bad records on the central bank’s personal credit report, then this record has a time limit, and the bad information will be retained for 5 years from the date of termination of the bad behavior or event.

It should be noted that this 5-year period starts from the actual repayment date, not the due repayment date. That is, after the loan is paid off, overdue records for more than 5 years will be automatically eliminated.

3. Regarding the list of dishonest persons subject to execution, if the dishonest person subject to execution meets one of the following circumstances, the People’s Court shall delete his/her relevant information from the list of dishonest persons subject to execution:

(1) All obligations specified in effective legal documents have been fulfilled;

(2) An execution settlement agreement has been reached with the person applying for execution and the execution has been confirmed by the person applying for execution;

(3) ) The people's court decides to terminate the execution in accordance with the law.