5 years. According to the credit management regulations, bad records are generally kept for 5 years. If no new bad records are generated within 5 years, you can get a loan. Our country's laws stipulate that the People's Court shall notify the relevant government departments, financial regulatory agencies, financial institutions, public institutions with administrative functions and industry associations, etc., on the list of dishonest persons subject to enforcement, so that relevant units can, in accordance with laws, regulations and relevant provisions, In aspects such as government procurement, tendering and bidding, administrative approval, government support, financing and credit, market access, qualification certification, etc., credit penalties will be imposed on dishonest persons subject to enforcement.

Legal Basis

Article 3 of "Several Provisions on List Information of Dishonest Persons Subject to Enforcement"

In any of the following circumstances, the people's court shall not rely on these provisions The provisions of Paragraph 1 of Article 1 include persons subject to execution in the list of dishonest persons subject to execution:

(1) Those who have provided sufficient and effective guarantees;

(2) Those who have been seized The property taken by measures such as seizure, freezing, etc. is sufficient to pay off the debt determined by the effective legal document;

(3) The person subject to execution is in the order of performance, and the execution should not be enforced according to law;

(4) Other circumstances in which the party refuses to perform the obligations specified in the effective legal document without the ability to perform.