Your bad record is very serious. Housing loans depend on banks, not particularly strict banks. You should go to the loan bank to issue a repayment certificate. If the bank is particularly strict, there is no way out. Your bad record is the loan, and now the bank is very strict with the bad record of the loan. According to the latest personal credit management regulations, bad credit records will be cleared after five years of repayment, and will not be accompanied by life.

You can buy a house in your wife's name. You're just a co-owner of the property. Some banks are not too strict with the bad credit records of real estate co-owners. You should get through it by going to your student loan bank and getting a repayment certificate. Then you ask the developer for help. Banks that open loans must be familiar with and easy to talk to. Plus you are not a borrower, the chances of the loan passing are even greater.

As long as your housing loan is passed, it is no problem to withdraw the provident fund. You can withdraw the provident fund if you have a house purchase contract or a loan contract. If you need any information, please consult your provident fund management center. The required information is not available in this area.

hope this helps