Will the provident fund loan check the spouse's credit information?
Yes, when applying for provident fund loans, you will check your spouse's credit information. That's what married people do. If you are single and have no spouse, there will naturally be no such problem. If your wife applies for a provident fund loan, she will check her husband's credit information. If the husband applies for a provident fund loan, she will check his wife's credit information.
Chapter III of the Marriage Law of the People's Republic of China? Family relationship? Article 17. The property acquired during the marriage relationship belongs to the husband and wife, and the corresponding debts are also shared by the husband and wife. In other words, both husband and wife belong to the same legal level? Economic * * * the same body? . Therefore, when a commercial bank examines an individual's credit status to decide whether to issue a loan, it does consider the credit status of his spouse.
Requirements of provident fund loans for credit reporting;
I or my spouse's loan or credit card is overdue for three consecutive periods or accumulated for more than six periods (including annual fees) or the accumulated overdraft of quasi-credit card exceeds 180 days in recent 36 months, so I may not apply for housing provident fund loan.
When applying for a provident fund loan, if it is a pure provident fund loan, the requirements for the lender's credit information are not high. However, if you apply for a portfolio loan, the bank will definitely check the credit information of the lender and its spouse in strict accordance with the requirements when the commercial loan department approves it.