My wife is blacklisted by the Agricultural Bank of China. Can I use my name for mortgage?

Yes, you can. The so-called black households, with bad credit records, have an impact in many ways. Other people's records will have no effect on me.

Mortgage to buy a house condition:

(1) Borrower's requirements

1.1natural person aged 8-60 (Hong Kong, Macao and Taiwan and foreigners are also allowed)

2 have a stable occupation, stable income and the ability to repay the principal and interest of the loan on schedule.

3. The borrower's actual age plus the loan application period shall not exceed 70 years old.

(2) Information to be provided:

1.3. Original and photocopy of the ID card and household registration book of the applicant and spouse (if the applicant and spouse are not registered in the same household, a marriage certificate shall be attached).

2. The original purchase agreement.

3. 1 Original and photocopy of advance payment receipt for 20% or more of the house price.

4. Proof of the applicant's family income and related assets, including payroll, personal income tax bill, income certificate issued by the unit, bank deposit certificate, etc.

5. The developer's collection account number is 1 copy.

(3) Information required by the borrower

1. Couple ID card, household registration book/temporary residence permit, and foreigner household registration book.

2. Marriage certificate/divorce certificate or court judgment/single certificate 2 copies.

3 proof of income (format specified by the bank)

4. Copy of the business license of the unit (with official seal)

5. Credit certificate: including education certificate, other real estate, bank running water, large deposit certificate, etc.

6. If the borrower is an enterprise legal person, it must also provide the annual business license, tax registration certificate, organization code certificate, articles of association and financial statements.