According to relevant policies and regulations, both husband and wife can use their own housing provident fund loans to buy houses after marriage. Therefore, as a married property buyer, you can use your own housing provident fund loan to buy a house.
It should be noted that your husband's real estate loan has not been paid off, which may have a certain impact on your loan. Specifically, when approving your loan, the bank will comprehensively consider your and your husband's repayment ability and loan balance. If you and your husband have strong repayment ability and low loan balance, your loan application may be more easily approved.
It is recommended that you consult relevant banks or financial institutions before buying a house to understand the specific loan policies and requirements. They will give more accurate answers and suggestions according to your specific situation.
In short, as a married property buyer, you can use your own housing provident fund loan to buy a house. However, it should be noted that your husband's outstanding real estate loan may have a certain impact on your loan.
If you don't know your online loan application, you can try to get a big data report on "Kingfisher Data", check your detailed loan records, and then confirm that you borrowed the money yourself. At this time, you should pay off all the money you owe, and then contact the customer service of the corresponding platform to let them handle it and see if the blacklist of online loans can be eliminated.