Credit black households can buy a car. You can buy a car through the following two channels: buying a car in full: if economic conditions permit, you can choose to buy a car in full, and buying a car in full will not be affected by any personal credit black spots; Buying a car with a loan: generally, you need to show proof of income or valuable collateral to buy a car with a loan. Note: In the process of buying bulk commodities, some banks will require your collateral to exceed twice the value of the purchased commodities.

Buy a car with a down payment

Generally, there are two ways to buy a car with a down payment, one is a bank loan, and the other is an auto financing company. Although the latter has a low threshold, it is basically impossible to pass if the applicant's credit information is hacked. However, the approval conditions of banks and lending institutions are different, so the chances of passing the application are very small, but it should be understood that even if it is passed, the loan amount will be reduced to a certain extent.

If you want to buy a car with a down payment loan, you need to be 18 years old and have full civil capacity. The parties concerned should have a good credit record and provide their own proof of stable income. In addition, other provisions of the local loan policy should be met.

What is the impact of being blacklisted?

First of all, after individuals are blacklisted by banks, it will have an impact on all aspects of their lives.

1. Financial aspects

If you are blacklisted, it won't be so easy for you to get a loan again. No matter from the bank or other places, they will check your credit history first. Therefore, even those who are not judged to be untrustworthy will have an impact on their loans, and whether they apply for a credit card or some installment repayment services will be rejected.

2. Career development, etc

In addition to the economic impact, more serious may affect the personal career development. If it is a public institution, it will even affect your promotion and rating. Moreover, there will be certain restrictions when buying a house or renting a house, and traffic will also be affected.

3. Impact on children

And if it is judged by the judiciary to be untrustworthy, then these restrictions will be more. Don't even think about the loan. Ordinary land, sea and air vehicles will also refuse "Lao Lai" personnel. But these are just personal influence. In today's society, many parents' behaviors will affect their children.

Although parents' dishonesty is not directly related to children, it will also affect children. For example, compulsory education will not have much impact, but if children want to study in some private schools, then parents' dishonesty will limit their choice of schools.

In addition to the education of children, it will also have an impact on their work. If you want to engage in public office, state-owned enterprises or join the army, then all the information of individuals and parents needs to be audited. A dissatisfaction will be brushed off, and bad information may lead to children's rejection, which will affect their work.