Therefore, if there is a problem with the credit record of either spouse, the bank will not accept the mortgage application of the whole family;

At this point, the parties need to pay off the arrears immediately, pay the late fee and go through the formalities. After five years, the banking system will automatically clear the bad records of the parties, and then you can apply for a loan.

Supplementary explanation:

Bank blacklists generally put some people who have borrowed money from banks or failed to pay back the money in time after using credit cards;

If the amount is relatively large, it is a deliberate breach of contract, and the nature is bad, the bank will blacklist the defaulting customer, which means that the customer belongs to a bad credit customer;

The personal system of a general bank will be divided into five levels, namely, normal, secondary, concerned, suspicious and loss reporting;

Generally speaking, entering the third level is almost a blacklist category;

Blacklist has no obvious boundary, depending on the specific situation of customers.