Generally speaking, as long as you enter the blacklist, you can't lend in a short time. Usually, only after five years, the credit will remain good and there will be no overdue situation. Then, after five years, the bad records will be automatically eliminated before you can continue to apply for loans.

Legal objectivity:

Article 36 of the Commercial Bank Law: The borrower shall provide a guarantee for the loan of a commercial bank. Commercial banks should strictly examine the repayment ability of guarantors, the ownership and value of collateral, and the feasibility of realizing collateral. After examination and evaluation by a commercial bank, it is confirmed that the borrower has a good credit standing and can repay the loan, and no guarantee may be provided.