The bank blacklist actually refers to the bad credit records in the personal credit information system of the People's Bank of China.

When applying for a loan, the bank will check the personal credit information of the borrower's husband and wife, which will affect your father's loan.

When applying for a loan, at present, most banks are not required to check the personal credit information of the borrower's parents, but some banks stipulate that if you are unmarried and need to provide a major family member, you will use your parents' credit information. Of course, you can also provide brothers and sisters. Can also be avoided.

Second, because family members are blacklisted by banks, does it affect the loans of other members?

It doesn't matter. Borrowing is a personal behavior, which can only affect the loans made by both husband and wife.

I was blacklisted by the bank. Can mom and dad still get a loan from the bank?

It will not be affected under normal circumstances. What is the so-called blacklist? There is a blacklist, and banks will only refuse to apply for credit cards, but it will not affect loans. If it is a blacklist of bad credit, it will affect the father if the bank stipulates that parents are payers. If not, only the father is required as the payer, and it will not affect the father. In case of mortgage, a house as the same property generally requires both husband and wife to have good records. But if the father can convince the bank that one can repay the loan, it is not impossible. After all, checking credit records is to avoid bad debts. Of course, if the father is a corporate loan, the mother's credit record is not considered. As for the child's loan, as long as it is not a relay loan that needs to be repaid by the mother and the child together, it will not affect the child. In short, as long as the mother is not the repayment person, the loan will not be affected by the mother.

I was blacklisted by the bank. Can mom and dad still get a loan from the bank?

It will not be affected under normal circumstances. What is the so-called blacklist? There is a blacklist, and banks will only refuse to apply for credit cards, but it will not affect loans. If it is a blacklist of bad credit, it will affect the father if the bank stipulates that parents are payers. If not, only the father is required as the payer, and it will not affect the father.

In case of mortgage, a house as the same property generally requires both husband and wife to have good records.

But if the father can convince the bank that one can repay the loan, it is not impossible. After all, checking credit records is to avoid bad debts.

Of course, if the father is a corporate loan, the mother's credit record is not considered. As for the child's loan, as long as it is not a relay loan that needs to be repaid by the mother and the child together, it will not affect the child. In short, as long as the mother is not the repayment person, the loan will not be affected by the mother.