Hello, 1. The bad records of the borrower and spouse (including provident fund loans) shall not exceed 3 consecutive times (inclusive) or the borrower and spouse shall not exceed 6 times (inclusive) respectively, and the borrower and spouse have no overdue loans (including provident fund loans, commercial housing loans, consumer loans, etc.). ) and the credit card is overdue when applying for provident fund loans, you can apply for provident fund loans normally.

2. If the borrower or spouse has bad records for more than 3 consecutive times (including provident fund loans) or the borrower and spouse have bad records for more than 6 times, and the borrower and spouse have no overdue loans (including commercial housing loans and consumer loans) and credit cards when applying for provident fund loans, they need to provide guarantees. A guarantor may be a natural person (hereinafter referred to as a guarantor) or a guarantee institution.

Borrowers and spouses who have outstanding provident fund loans or overdue loans (including overdue loans from commercial banks and credit cards) may not apply for provident fund loans.

I hope my answer is helpful to you!