You can't apply for a loan if you are blacklisted.

Blacklists usually have the following three types:

1, credit blacklist, three consecutive overdue or six overdue in two years will be on this blacklist.

2. Blacklist. If the lender refuses to repay the loan after being sued, it will be blacklisted, which is also commonly known as the "Lao Lai List".

3. Blacklist of institutions, that is, the internal blacklist of lending institutions. If you are overdue for many times in a lending institution, you will be blacklisted.

Second, can the blacklist be loaned?

It is not absolutely impossible to apply for a loan if you have a blacklist of banks, but it depends on the degree of your bad record and how long you have had it.

For example, the annual credit card fee is forgotten, overdue 1.2 days, lost and forgotten, and so on.

At present, many small commercial banks don't look at your statements or credit records in a formulaic way like the four state-owned banks. They will analyze the factors that cause your bad credit record.

You should check your specific credit history. You can go to the local people's bank and print a personal credit report for free with your ID card to see where your bad credit record is.

Third, can the blacklist still be loaned?

Since it is a blacklist, you can't get a loan! If you want a loan, you must pay off the original and erase the blacklist. Apply again

Fourth, can the blacklist be loaned?

Subjectivity of law: Generally speaking, as long as you are blacklisted, you can't lend money in a short time. Usually, only after five years, the credit will remain good and there will be no overdue situation. Then, after five years, the bad records will be automatically eliminated before you can continue to apply for loans.

Legal objectivity: Article 36 of the Commercial Bank Law: When a commercial bank lends money, the borrower shall provide a guarantee. Commercial banks should strictly examine the repayment ability of guarantors, the ownership and value of collateral, and the feasibility of realizing collateral. After examination and evaluation by a commercial bank, it is confirmed that the borrower has a good credit standing and can repay the loan, and no guarantee may be provided.