What you want to ask is, can couples apply for provident fund loans if they don't have enough social security contributions? The ability to apply for provident fund loans will be affected.

If it is because provident fund loans usually require lenders and their spouses to have certain social security deposit records. This is because in the calculation of provident fund loans, the lender's income, deposit amount and deposit time will be considered, and only one party has social security deposit, which will affect the loan amount, interest rate and approval probability. In addition, social security deposits also reflect the lender's credit history and repayment ability. If one party fails to pay enough social security, it means that the income of this party is unstable or the credit record is poor, which will affect the bank's evaluation of the whole loan application.