Until five years later. The man who broke his promise has fulfilled his promise. In this case, it will take him five years to apply for a loan, because his bad credit record will remain for five years, and he can apply for a loan after five years. If the person subjected to execution fully performs the effective legal documents due to breach of trust, he may apply to the court to cancel the breach of trust. It usually takes two to three working days to block the name of the untrustworthy person after the court makes an online request to cancel the untrustworthy status.

Legal analysis

Most untrustworthy people are not enforced because they owe money, and overdue records will be displayed in the credit report, as well as court enforcement records. Although the list of untrustworthy executors can be revoked after repayment, the bad records on the credit report will not disappear immediately. According to the credit management regulations, bad behavior disappears from the credit report after five years of termination. In other words, even if the untrustworthy person can apply for a loan after paying off the money, he may not be approved for a loan because of his bad record. If you want to improve the loan success rate, it is suggested that you can start from these aspects. 1. Credit investigation within a period of time: after the untrustworthy person pays off the money, the loan record on the credit investigation will show settlement, and the overdue record still exists, but it is still less influential than the unpaid debt. If you apply for a credit card or loan in the future, remember that the repayment on time cannot be overdue, and the influence of bad credit will gradually weaken over time. 2. Handling mortgage loans: It is more difficult to handle credit loans with bad credit records, but it is easier if there are mortgage assets under the name. If you apply for a mortgage loan with collateral as a guarantee, the lending institution is not afraid of the borrower defaulting on its debts. If there is any overdue, they can dispose of the collateral to recover the arrears.

legal ground

Article 518 of the Interpretation of the Supreme People's Court on the Application of the Civil Procedure Law of People's Republic of China (PRC), if the person subjected to execution fails to perform the obligations specified in the legal documents, the people's court may, in addition to punishing the person subjected to execution, include him in the list of people subjected to dishonesty according to the circumstances, and inform his unit, credit reporting agency and other relevant institutions of the information that the person subjected to execution fails to perform or does not fully perform his obligations.

Article 9 of "Several Provisions of the Supreme People's Court Municipality on Publishing the Information of the List of Persons Executed with Dishonesty" should not be included in the list of persons executed with dishonesty. If a citizen, a legal person or any other organization is included in the list of persons who have been executed for breach of trust, the people's court shall revoke its information of breach of trust within three working days. If the recorded and published information is inaccurate, the people's court shall correct it within three working days.