First of all, credit records play an important role in the process of loan approval, and provident fund loans are no exception. Even if you don't have a bad record, but your wife has an overdue record, the bank will take the credit records of both husband and wife as a reference for evaluating the loan application.
Secondly, although your wife is less than 90 days overdue, the overdue record will still affect the result of the loan application. Overdue records show that the borrower has delayed repayment in the past credit behavior, which will lower your credit rating and may also lead to loan rejection or more stringent loan conditions.
Finally, it is suggested that you check the credit big data through online data and other channels to understand the credit records and ratings of both husband and wife. This can better evaluate the feasibility of your provident fund loan application, and also timely understand and solve the impact of overdue records.
In short, although your personal credit record is good, your spouse's overdue record may have an impact on the provident fund loan application. Understanding and improving the credit rating of both husband and wife is an important factor to improve the success rate of loan application.
Extended data:
Provident fund loan is a kind of loan method with personal provident fund deposit as the source of repayment. Provident fund loans are usually favored by many people because of their low interest rate and long repayment period. In the process of loan application, the bank will comprehensively consider personal credit record, social security and provident fund deposit and other factors for evaluation. It is very important to know your credit status in time and take active credit management measures for successfully applying for provident fund loans.