Hello, as long as your credit report is good, you will be fine, but sometimes the bank will require you to pay off the small loan in your name.

The materials required for a housing provident fund loan:

1. Household registration book of the borrower and his or her spouse;

2. Resident ID cards of the borrower and his or her spouse;

3. Proof of the borrower’s marital status;< /p>

4. Proof of down payment for house purchase;

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

6. House sale that complies with legal requirements contract or agreement.

Conditions for applying for housing provident fund:

1. The individual and the employer must pay the housing provident fund continuously for one year;

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

3. The borrower must have no less than 30% of the total house price when purchasing a commercial house.

Housing provident fund application process:

1. The lender prepares relevant information, fills out the loan application at the bank, and submits the materials;

2. The lending bank receives After application, the information will be confirmed and reviewed;

3. After review, the lending bank will contact the lender and sign the relevant contract;

4. The bank will grant the loan and the lender will fulfill its repayment obligations.

The above answers are provided by Ronglian Weiye, please refer to them.