People who are dishonest can't borrow money. All high consumption behaviors of untrustworthy personnel will be restricted; Banks will not provide loans and credit card services to untrustworthy people; People who break their promises cannot join large units or government units. The personal credit information system will play the role of "encouraging by keeping promises and punishing by breaking promises".

People who break their promises will be restricted from personal freedom and can only move in the city where the death penalty is executed. For example, the borrower worked in City A all the year round, and refused to return it after borrowing 300,000 yuan from Unit B.. After the borrower of unit B, the borrower becomes a faithless person. Before the borrower pays off his debts, he can only be active in city A.

If there is a property under the name of the untrustworthy, the property under the name of the untrustworthy will be auctioned, even if there is only one property under the name of the untrustworthy. Not only that, all the property under the name of the untrustworthy person will be auctioned, and the daily necessities with auction value will also be auctioned.

If there is no property under the name of the faithless person, it will delay the time of enforcement. When there is property under the name of the untrustworthy person, it will be auctioned immediately. Until the faithless person pays off the debt, otherwise the faithless person will always be restricted. People who break their promises will not only affect their daily lives, but also affect their children's studies and future.

When applying for a loan from a bank, the bank will ask the untrustworthy person to provide a personal credit report. If there is a bad credit record in the personal credit report, you can't lend.

Can the person subjected to execution get a loan?

The person subjected to execution has difficulty in applying for a loan. In addition to personal qualifications, the loan will also look at some social information of the borrower, such as the record of the person being executed. Generally speaking, it is difficult for people with execution records to apply for loans.

Legal analysis

The person subjected to execution refers to the party who refuses to perform the judgment or arbitral award after the expiration of the statutory appeal period or after the final judgment is made. Generally speaking, it is difficult for the person subjected to execution to borrow money from the bank, because the bank should strictly examine the relevant information of the lender. If the person subjected to execution is included in the list of dishonesty, he will generally report the untrustworthy behavior of the person subjected to execution to the collection agency. If the person subjected to execution does not eliminate the record of dishonesty, the bank will not approve the loan. For those who have not closed the case and have lawsuits, their assets and bank accounts may be sealed up at any time. If the loan is given to the person subjected to execution, the loan may be frozen at any time after entering the account and cannot be recovered, and the bank dare not take this risk. For the borrower who has closed the case, there is no risk that his property and bank funds will be sealed up. However, the person subjected to execution failed to perform the contract in time. Therefore, the bank will be more cautious about the loan of the executed person, and make a comprehensive evaluation of the operating conditions of the enterprise, the credit information of legal persons and shareholders, assets and liabilities, etc. Therefore, if the person subjected to execution has not closed the case, it is basically difficult to pass the bank loan. If the executed person has closed the case, although there will be some negative effects, he can still apply for a bank loan.

legal ground

Article 255 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 can take or notify the relevant units to assist in taking other measures such as restricting his exit, recording it in the credit information system, publishing non-performance information through the media, and legal provisions.

Article 11 of the Interim Measures for the Administration of Personal Loans (1) The borrower is a People's Republic of China (PRC) citizen with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state; (2) The purpose of the loan is clear and legal; (3) The amount, duration and currency of the loan application are reasonable; (4) The borrower has the willingness and ability to repay; (5) The borrower's credit status is good and there is no significant bad credit record; (6) Other conditions required by the lender.

Can the trusted person get a loan? This is the only way!

At present, many people are very familiar with the personal credit report, but little is known about the list of people who have broken their promises. Actually, the latter is much more serious. Once they have the ability to refuse to repay the loan after the judgment, they will be included in the list of people who have lost their trust. Then, can the person who is untrustworthy get a loan? Will it be blacklisted by the central bank?

Basic principle: If you become a person who breaks your promise, you will definitely become a bank loan user, unable to handle credit business, and private loans are possible.

Note that as long as it is included in the person who has been executed for breach of trust, this record will be displayed in the credit report and in the column of public records, and it will record the tax arrears, civil judgment records, enforcement records, administrative punishment records and telecom arrears records within five years.

1. Can the trustee get a loan?

No, this is a serious economic breach of contract, which has been sued by others, proving that the overdue amount and nature are quite significant. Even if you have fulfilled your responsibilities and obligations, this overdue record will still be displayed in the credit report, and it will take at least five years to be completely eliminated. General bank audit depends on the situation in the past two years.

However, if it is a private online loan, there are many, and the list of untrustworthy will not be queried, so the platform with strict risk control can lend.

Second, how to revoke the untrustworthy executor?

The quickest way to actively perform obligations and pay back the money as soon as possible is to reach a settlement with creditors, so that the other party can submit a written application after repaying the debt, and the people should delete the information within three working days after verification.

To sum up, once you become a faithless person, it is very difficult to apply for a loan in a bank financial institution, which is basically a second refusal. The repair method is to refund the bill as soon as possible. You have a good record of normal use and maintenance of the credit card. It's better to apply later.