1. Being sued and sentenced is a personal problem, and it needs to be executed according to the provisions of the court, so it will not be pulled into the credit blacklist, and it will not have great influence in the future loan, so you can continue to apply for a loan, but it will affect the amount and interest rate of the loan application;
2. Being sued and judged is a personal problem, but still not implemented according to the court's judgment, will be pulled into the credit blacklist, and apply for a loan after five years of serious impact.
The situations where you can't apply for a loan are as follows:
1. People who are too old
The bank stipulates that borrowers must be at least 18 years old and have full capacity for civil conduct, with the maximum limit of 6 years for men and 55 years for women;
2. People with bad credit;
3. People with insufficient wage income;
4. People engaged in high-risk occupations, such as some chemical undertakings, high-altitude industries, dangerous explosives research and other industries that involve personal safety.
Legal basis: Article 4 of the Regulations on the Administration of Credit Information Industry
The People's Bank of China (hereinafter referred to as the supervision and administration department of credit information industry in the State Council) and its dispatched offices shall supervise and administer the credit information industry according to law.
the local people's governments at or above the county level and the relevant departments of the State Council shall promote the construction of social credit system in their own regions and industries, cultivate the credit information market and promote the development of the credit information industry.