One spouse has a record of non-performing loans. Can the other spouse use provident fund loans?

1. Can one spouse use provident fund loans with a bad loan record?

One spouse has a record of non-performing loans. Can the other spouse use provident fund loans? The bad credit record of one spouse will affect the other spouse's application for mortgage, because now it is an account, which will directly affect the application for housing mortgage loan.

According to the Conditions and Procedures for Housing Provident Fund Loans, the borrower can still apply for housing provident fund loans after paying off the housing provident fund and finding that there is no bad repayment record. Housing provident fund loans are applied on a family basis. The repayment obligation is shared by both husband and wife, and it is recorded in the loan investigation, so as long as one party has bad repayment, it will be recorded as a housing provident fund loan.

One spouse has a bad credit record, and the other spouse can use the provident fund loan. If knowledge occasionally forgets to repay the loan, it will not have much impact on future provident fund loans. The requirements of provident fund loans for credit reports are:

1. The loan applicant or his spouse has outstanding overdue loans; Have you or your wife paid off the loan?

2. The borrower's quasi-credit card or credit card overdraft is overdue; The bank card or credit card is overdue.

3. The loan term of the loan applicant in the past 2 years.

As long as the personal credit card overdue is not particularly serious, generally. You can refer to the above three items.

Of course. I. Materials required for housing provident fund loans:

Household registration books of the borrower and his spouse;

Resident identity cards of borrowers and their spouses

Credit status report of the borrower and his spouse printed by the bank;

Housing sales contracts or agreements that comply with the law.

Second, the conditions for handling housing provident fund

The borrower has stable economic income, good credit and the ability to repay the principal and interest of the loan;

The borrower purchases commercial housing.

Three, the housing provident fund management process:

The lender's bank fills in the loan application and submits the materials;

After receiving the application, the loan bank shall confirm and review the information;

Review and sign relevant contracts;

For bank loans, the lender shall fulfill the repayment obligation.

In provident fund loans, there is no clear requirement for the credit record of the borrower's spouse. However, one of the spouses may not make a new provident fund loan before.

1. Only employees who have participated in the housing provident fund system are eligible to apply for housing provident fund loans, but they have not participated in housing provident fund loans.

2. Those who participate in the housing provident fund system must also meet the following conditions when applying for housing provident fund personal housing loans: that is, the continuous period before applying for loans is not less than 6 months. Because, if the employee's behavior of paying housing provident fund is abnormal and intermittent, it means that his income is unstable and he is prone to risks after issuing loans.

3. One spouse has applied for a housing provident fund loan, and can only get the housing provident fund loan after paying it off. Because the housing provident fund loan is the financial support provided when meeting the basic housing needs of employees' families.

4. When applying for a loan, the loan applicant must have a relatively stable economic income and repayment ability, and there are no other outstanding debts that may affect the repayment ability of the housing provident fund loan. When employees have other debts, the risk is great and they violate it.

5. The term of the provident fund loan shall not exceed 30 years. The loan period for handling combined housing loans must be consistent.

Regulations on the administration of housing provident fund

Article 26

Deposit housing provident fund overhaul occupied housing, you can apply for housing provident fund loans to the housing provident fund management center.

Make approval and notify the applicant within 15 days from the date of application for housing provident fund management; Loans granted

The risk of housing provident fund loans, by housing

Article 27

Applicants who apply for housing provident fund loans shall provide guarantees.

Article 28

The housing provident fund management center can use the housing provident fund for the purchase of government bonds with the approval of the housing provident fund management Committee on the premise of ensuring the withdrawal and loan of the housing provident fund.

The housing provident fund management center shall not provide guarantees to others.

Hello, husband and wife are sitting side by side in personal credit reporting. Poor credit reporting by either party will affect the other party's application for credit cards and loans.

Excuse me, if one spouse has a record of bad loans, should the other spouse use provident fund loans? This should be divided into before marriage or after marriage. There is no influence before marriage, but there will be some influence after marriage, but it is not big.

If one spouse has a bad credit record, can the other spouse get a provident fund loan? Once should not affect, but a little more times will affect the loan interest rate and the relationship between specific times and credit. You have to consult the bank and use this bad credit card as much as possible to repair your bad record.

If one spouse has outstanding loans, can the other spouse apply for provident fund loans? You can apply for a provident fund loan, but considering the credit problem, it may not work.

Materials required for housing provident fund loans:

Household registration books of the borrower and his spouse;

Resident identity cards of the borrower and his spouse;

Proof of the marital status of the borrower;

Proof of down payment for house purchase;

Proof of income;

Credit status report of the borrower and his spouse printed by the bank;

Housing sales contracts or agreements that comply with the law.

Housing accumulation fund handling process:

The lender prepares the relevant materials, fills in the loan application in the bank and submits the materials;

After receiving the application, the loan bank shall confirm and review the information;

After the audit, the loan bank contacts the lender and signs the relevant contract;

For bank loans, the lender shall fulfill the repayment obligation.

One spouse has a provident fund loan, can the other spouse apply for a provident fund loan? number

One of the husband and wife has applied for provident fund loan, and the other is the same borrower, so the provident fund accounts of both parties will be frozen. When the other party applies for a provident fund loan again, the system of the provident fund center or the loan bank will prompt that the computer system will prohibit the input of loan information.

One spouse has a provident fund loan, but can the other spouse get a provident fund loan? No, provident fund loans are based on families. You can only apply again after the original provident fund loan is paid off.

2. Can I get a loan if I have a bad record?

If the borrower has a bad record in his personal credit report, as long as it is not serious, he can apply for a loan. However, it does not mean that you can get a loan through the audit. The lending institution will make a comprehensive evaluation based on the borrower's income and so on, and judge whether to make the next payment according to the evaluation score. If the borrower has a serious bad record in the credit report and is blacklisted by the bank, he cannot apply for a loan until the bad record is eliminated. : With a bad credit record, can I get another loan? It is a common phenomenon that entrepreneurs borrow money to start businesses. However, if the debt information enters the credit information system because of business failure, many people will worry that they will not be able to borrow money when there are new opportunities to borrow money. In this regard, Wan Cunzhi, director of the Credit Information Bureau of the People's Bank of China, said that the credit information system is an important reference factor for lending institutions to make decisions, but it is not the only basis. "From a policy perspective, it does not mean that if you have a record of borrowing money and not paying it back, you will ask lending institutions and banks not to lend." Wan Cunzhi explained that banks and lending institutions can get to know you through other channels besides credit records. Different banks have different risk preferences, and some may think that although the customer is risky, I can communicate with him well and may get higher returns in the future. "Therefore, in order to obtain new development opportunities in the case of bad records, the parties and related loan applicants should maintain good communication with the bank." Wan Cunzhi suggested that we should acknowledge the debts of failed entrepreneurship and take active measures. Some people want to delete negative information through illegal channels, which is wrong and unworkable. Can the credit information system help small and micro enterprises to alleviate financing difficulties? "The credit information system has played an important role in alleviating the financing difficulties of small and micro enterprises." According to Zhu, deputy governor of the People's Bank of China, the enterprise credit information system established by the Credit Information Center of the People's Bank of China has included small and micro enterprises13.7 million households, accounting for 53% of all registered enterprises. At present, there are nearly 26 million enterprises included in the credit information system, of which more than half are small and micro enterprises. Among them, 3,765,438+/kloc-0,000 small and micro enterprises received credit support, with a loan balance of 33 trillion. Zhu also said that the Credit Information Center of the People's Bank of China has established a movable property financing registration system and an accounts receivable financing service platform to solve the pilot problem of unified registration of movable property financing pledges; At the same time, promote the establishment of local SME credit database to make up for the shortcomings of credit information service.

3. Can I get a loan with a bad credit record and a certificate issued by the bank?

Basically, the loan is not available, or the loan amount is not high, and there is a bad record, so it is difficult to apply for a loan.