A black household refers to a person who is included in the list of untrustworthy in the credit record. Black households generally do not bring trouble to their families, but only limit their high consumption and prevent their children from attending aristocratic schools. However, if there is something wrong with a person's credit information, both husband and wife will definitely have an impact, and other immediate or collateral relatives will not have an impact. According to the provisions of the Marriage Law, the property acquired during the marriage relationship belongs to the husband and wife, and accordingly, the debts incurred are also shared by the husband and wife. In other words, both husband and wife belong to an "economic entity" at the legal level. Commercial banks will definitely consider the credit status of their spouses when granting loans.

Specifically, it may have some effects, you see:

1. Affect spouse. When applying for a loan, it often happens that a married couple, one of whom has a bad credit report, and the other wants to apply for a loan, will also be rejected. Why? Because the credit information between husband and wife will affect each other. When a bank issues a loan, it will consider the credit status of the spouse. Husband and wife are "economic * * *". If one of the husband and wife leaves a credit stain, neither of them can borrow money to buy a house.

2. Affect children and other immediate family members. I heard a news before that my father was an old lai, who disappeared for 8 years in order to escape more than 10 thousand debts. As a result, my son was blocked from taking the civil service examination, because he found that his father was included in the "blacklist" of credit information, and the political examination may not pass. In fact, generally speaking, even immediate family members are independent legal subjects and economic subjects, and credit information does not affect each other. However, if parents become the executors of dishonesty, their children's schooling and employment will most likely be hindered.

3. Affect the normal life of the whole family. If you are blacklisted, it is likely that the court will enforce the order to limit high consumption, so that you can not only borrow money to buy a house, but also decorate the house, and even travel abroad, vacation, and spend a lot of money to buy soy milk for your family are restricted. Seriously affected the normal life of the family.

Legal basis: Article 3 of the Regulations of the Supreme People's Court on Restricting the High Consumption of the Executed Person stipulates that if the executed person is a natural person, after being restricted from high consumption, he shall not commit the following acts of paying expenses with his property:

(a) when taking the means of transportation, choose the second class or above of the plane, train soft sleeper and ship;

(two) high consumption in hotels, hotels, nightclubs, golf courses and other places above the star level;

(three) the purchase of real estate or new construction, expansion, high-grade decoration of housing;

(four) leasing high-grade office buildings, hotels, apartments and other places to work;

(5) Purchasing non-essential vehicles;

(6) tourism and vacation;

(seven) children attending private schools with high fees;

(8) Paying high premiums to purchase insurance wealth management products;

(nine) other high consumption behaviors that are not necessary for life and work.

If the person subjected to execution is a unit, it is forbidden for the person subjected to execution, his legal representative, the principal responsible person and the person directly responsible for affecting the performance of debts to carry out the acts specified in the first paragraph of this article with the unit property after being restricted from high consumption.