Legal analysis: general criminal record does not affect loans. Under special circumstances, if you are an economic crime, especially a credit problem, it may not be. In this case, if you are not alone, you can consider taking out a loan in the name of your family or others in your family.

Legal basis: People's Republic of China (PRC) Criminal Law.

Article 13 Endangering national sovereignty, territorial integrity and security, splitting the country, subverting the people's democratic dictatorship and overthrowing the socialist system, disrupting social and economic order, infringing on state-owned property or property collectively owned by working people, infringing on citizens' private property, infringing on citizens' personal rights, democratic rights and other rights, and other acts that endanger society that should be punished according to law are all crimes, but if the circumstances are obviously minor and the harm is not great, they are not considered crimes.

Article 100 A person who has received criminal punishment according to law shall truthfully report to the relevant unit the criminal punishment he received when he joined the army or was employed, and shall not conceal it.

A person who was under the age of 18 at the time of committing the crime and was sentenced to fixed-term imprisonment of not more than five years shall be exempted from the reporting obligation stipulated in the preceding paragraph.