Useful. According to the loan inquiry announcement, it is a serious behavior for one spouse to have bad debts. If you want to apply for a mortgage, you need to deal with bad debts first, and then provide the bank with enough assets to prove that you have enough repayment ability, so as to improve the pass rate of loan application or provide a guarantor with better qualifications, which can alleviate the bank's concern about this risk. Therefore, it is useful for husband and wife to find a guarantor when they make bad debts on provident fund loans. Provident fund refers to housing provident fund, and sometimes also refers to company provident fund.