If the credit information is black, you can find a loan from a local loan company. Loan companies usually value collateral more than personal credit. If the borrower borrows money through the loan company and can provide collateral, it will be easier to obtain funds. Borrowers can also borrow money through private lending and online secured lending.

1. Mortgage loan, also known as "mortgage loan". Refers to a loan method adopted by some national banks. The borrower is required to provide a certain amount of collateral as loan guarantee to ensure the repayment of the loan at maturity. Collateral is generally easy to preserve, wear and tear and sell, such as securities, bills, stocks, real estate and so on. After the loan expires, if the borrower fails to repay the loan on time, the bank has the right to auction the collateral and repay the loan with the proceeds from the auction. The balance of the auction money after paying off the loan shall be returned to the borrower. If the auction money is not enough to pay off the loan, the borrower will continue to pay off.

2. Mortgage means that the mortgagor (buyer) obtains the ownership of the purchased commercial house by installment. There are two meanings for buyers: first, the house payment can be paid in installments within the prescribed time limit; Second, in the installment stage, the ownership of the house is "pressed" and cannot be "uncovered" (taken away) until it is paid in full. In addition, mortgage trading involves three kinds of debt relationships-namely, the relationship between the mortgagor (buyer), the developer (seller) and the mortgagee (usually the relevant bank). Its procedure is that the mortgagor (purchaser) first signs a purchase contract with the developer and prepays part of the purchase price; Then the mortgagor (buyer) signs a mortgage contract with the mortgagee (bank) on the basis of this contract, and the bank pays the rest of the house purchase money to the developer, and the buyer pays it to the mortgage bank regularly until the "mortgage money" is paid according to the regulations, and the mortgage process ends.

Third, mortgage loan is a way for buyers (mortgagors) to borrow money from banks (mortgagees). That is, the buyer takes the purchased property as collateral, signs a mortgage contract with the bank, and takes the way of not transferring ownership as a guarantee to repay the loan to the bank on schedule. Interest must be paid on this loan. After the buyer (mortgagor) pays off the principal and interest to the bank according to the contract, he can recover the collateral-Property Ownership Certificate and Land Use Certificate. In other words, property buyers do not really own the ownership of the houses they buy before paying off the loans. If the repayment is not made on time, the bank can handle it according to law.

Fourth, mainly in terms of interest rates, mortgage loans are commercial loans, also known as personal housing loans. Mortgage loan refers to the loan that the borrower obtains from the bank with certain collateral as guarantee. The interest rate is the benchmark interest rate stipulated by the People's Bank of China. In the past, there was a discount for buying a house at the mortgage interest rate. Due to tight policies and small quotas, interest rates have risen instead of falling. But the floating property of mortgage loan is lower than that of mortgage loan.

5. Mortgaged trust loan means that the trustee accepts the entrustment of the principal and issues the loan according to the object, purpose, term, interest rate and amount specified by the principal (or in the trust plan), and the financier takes real estate mortgage as the guarantee method of the trust loan. The interest rate plus handling fee is generally around 18% per year.

Where can I borrow urgent money when my credit information is hacked?

If credit is blacklisted, it is impossible to apply for bank loans, and some online lending institutions that inquire about credit cannot apply for loan products successfully. You can try a mortgage. Mo Long is recommended for the loan. The platform does not mortgage the house loan, and the loan can be released as soon as 1 day. Apartment shops can also apply. Unsecured loan, 2 hours at the earliest.

The conditions for handling loans are:

1. To apply for a commercial loan, the borrower must be a natural person who has reached the age of 18 and has full capacity for civil conduct, and hold a valid identity certificate.

2. The borrower also has good credit information.

3. The borrower has the ability to repay the loan and needs to submit the bank running water and work certificate for nearly half a year.

For more information about loans, please consult Mollon. With its strong financial technology research and development capabilities, Molong can now complete all the operations of the epidemic through Molong's loan. During the epidemic, Moerlong will make full use of scientific and technological capabilities to minimize risks and improve efficiency to the fastest. In addition, Moerlong promises that the electronic agreement signed by customers online will be encrypted and protected by law; All products come from licensed financial institutions, and the fees are reasonable and transparent; The platform provides a compliant margin model to speed up the loan approval of financial institutions.

How to borrow money from the blacklist

1. Private loan. Lenders provide collateral, such as houses, cars and other real estate to handle loans, as long as both parties reach an agreement. Moreover, private loans are a good choice for black households without examining personal credit information.

2. Loan company. Black households in banks can borrow money from local loan companies, which don't value personal credit information. If the borrower borrows money through the loan company and can provide collateral, it is very easy to borrow money. Although the interest is high, it is easy to accept.

3. Online lending platform. Although you are a credit card black account, the bank does not know about the loan through the online lending platform. In other words, many online lending platforms are not connected to the central bank's credit information system. As long as it meets the loan standards of various online lending platforms, even bank black households don't have to worry.

4. change banks. Every bank has different standards for overdue, and the acceptable bottom line is different according to the overdue situation. If the four major state-owned banks fail, you can find other banks. In short, there is always no harm in trying more banks.