Answer first: Yes, but you should get a divorce.

Because when making a mortgage, you need to look at the credit information of both husband and wife, because you are the same repayment person, especially the four major banks, and pay special attention to credit information.

I don't know what the overdue is. I suggest that we can find a relatively loose state-owned joint-stock bank (Pudong Merchants Huaxia) or city commercial banks (Bank of Beijing, Bank of Shanghai, local banks) to ask about the overdue situation in advance. If not, there is only one way, divorce.

But be careful,

1, now mortgage loans are generally lent to companies, that is, your wife must have a company under her name;

2. Second, if there are too many rejections by banks and too many credit inquiries, it will also affect the later loans;

If it still doesn't work after divorce, you can also find an institution to allocate funds. Their requirements for credit information will be relaxed, but the interest will be slightly higher.

Finally, it is suggested that the subject find a professional loan company to consult how to operate.

2. Can I use provident fund loans just after my divorce?

"There is no time limit for applying for housing provident fund loans. As long as you meet the housing provident fund loan conditions, you can apply for a housing provident fund loan to buy a house. "

Third, one party has a bad reputation! After divorce, how long can the other party act in his own name? ...

Of course, the information provided by the loan now includes the credit and income of both husband and wife ~ ~ If one party's credit is extremely poor, it will definitely affect the loan to buy a house.

4. Can I get a loan after divorce?

Legal analysis: Yes. As long as it meets the conditions of the loan. Conditions for applying for a personal loan: 1. At least 25 years of age with full capacity for civil conduct; And have permanent residence or valid residence certificate in China. Second, having a fixed occupation or a stable economic income can guarantee the ability to repay the principal and interest on schedule. Third, the credit record is good and there is no bad credit record. Fourth, it can provide legal and effective guarantees recognized by banks. Fifth, other conditions stipulated by the bank. Generally meet the above conditions, you can apply for a loan from a commercial bank.

Legal basis: Civil Code of People's Republic of China (PRC).

Article 667 A loan contract is a contract in which the borrower borrows money from the lender, repays the loan at maturity and pays interest.

Article 669 When concluding a loan contract, the borrower shall, at the request of the lender, provide the true information about the business activities and financial status related to the loan.

Article 671 Where the lender fails to provide the loan on the agreed date and amount, thus causing losses to the borrower, it shall compensate for the losses. If the borrower fails to collect the loan according to the agreed date and amount, it shall pay interest according to the agreed date and amount.