? A legally indebted person
After fully performing the effective legal documents, you can apply to the court to cancel the state of dishonesty. The court can block the name of the violator within two to three working days after the online request for cancellation of the promise. Provisions of the Supreme Court on the System of Malicious Executed Persons
Article 7 Under any of the following circumstances, the people's court shall delete the relevant information from the list of people who have been executed for dishonesty:
(a) fully fulfill the obligations stipulated in the current legal documents;
(two) reached a settlement agreement with the executor of the application, and the executor of the application confirmed that the performance was completed;
(3) The people's court decides to terminate the execution according to law.
In theory, the revocation of the untrustworthy list should not affect your bank loan, so contact the court as soon as possible to cancel it. However, the loan policies of banks are slightly different, and this record (even if revoked) may still affect your loan amount, approval time, etc.
Affected, it is recommended that individuals apply for housing loans after their credit information is good.
When evaluating the loan applicant, the bank will of course focus on evaluating the applicant's personal credit in addition to the repayment ability and loan purpose. However, banks have different standards for "how many overdue loans cannot be issued". Generally speaking, if the total overdue time reflected in the credit report does not exceed 6 times and the overdue time in the past year does not exceed 3 times, the bank will think that there is no serious problem with the credit record. If the applicant has no loans overdue record, the credit card will be overdue only once or twice, which will not seriously affect the credit investigation.
The above are some policies on the purchase of houses by untrustworthy people, hoping to help you!