Detailed description:

First of all, once blacklisted, the credit history of buyers will be affected and their credit rating will decline. This means that lending institutions will be skeptical about their loan application and may even refuse the loan application.

Secondly, when considering loan applications, lending institutions usually review the applicant's credit history. The bad credit records of blacklisted buyers may include overdue payment and loan default, which will have a negative impact on the credit rating of buyers. Lending institutions tend to adopt a more conservative loan policy for applicants with low credit ratings, and may demand higher interest rates, higher down payment ratio, and even refuse loan applications.

In addition, the influence of the blacklist may not only be limited to the loan application in the name of individuals, but also may be extended to other financial services related to the blacklist. For example, property buyers may also find it difficult to obtain other types of loans, such as car loans or personal consumption loans, because of the influence of the blacklist.

To sum up, blacklisted buyers may face difficulties in applying for loans, and lending institutions may be cautious about their applications and may even refuse loans. Therefore, if you want to get a loan smoothly, buyers need to pay attention to maintaining their credit records and maintain a good credit status.

Extended data:

Credit blacklist refers to the additional consequences that individuals or enterprises are listed in the bad credit list by financial institutions or government departments because of suspected fraud, overdue and other credit behaviors, thus being restricted or unfavorable in financial activities. The management institution of personal credit records is the Credit Reference Center (CRC) of the People's Bank of China. Lending institutions often evaluate individuals' credit status by inquiring about their credit records, and decide whether to approve loan applications according to their credit ratings.

Maintaining a good credit record is very important for the smooth progress of personal financial activities. Property buyers should pay back in time and avoid bad credit behaviors such as overdue. In addition, property buyers can actively communicate with lending institutions, explain personal credit records, and provide relevant supporting materials to increase the success rate of loan applications.

Although each case has its particularity, it is impossible to make a specific judgment for all situations. But generally speaking, if the property buyers are blacklisted, it will have a negative impact on their loan applications and increase the difficulty of loan approval. Property buyers should pay attention to credit records, avoid being blacklisted, and actively maintain a good credit status in order to apply for loans more smoothly.