1. Does the loan require the presence of both husband and wife?

Legal analysis: If the loan is in the name of both husband and wife, both husband and wife must be present at the scene. Take a home loan as an example. Well, because the real estate is the property of both husband and wife with equal ownership, the relevant laws of our country stipulate that the loan must be borne by both parties during the loan process, so the lending institution requires both parties to provide their own work certificates and bank statement certificates. , thereby ensuring that the loan can repay the principal and interest in full, and the property purchased by both parties is owned by both parties, and both parties have the obligation to repay the loan. Therefore, the contracts that need to be signed during the loan process must be signed by both husband and wife. *With the same signature, both parties have the same rights, and no one can replace the other. However, if one of the couples cannot be present due to some circumstances, they need to entrust someone else to handle it and issue a power of attorney. Legal basis: Article 1062 of the "People's Republic of China and Civil Code": The following properties acquired by husband and wife during the marriage relationship shall be the joint property of the husband and wife and shall be owned jointly by the husband and wife: ( 1) Wages, bonuses, and remuneration for labor services; (2) Income from production, operation, and investment; (3) Income from intellectual property rights; (4) Inherited or donated property; (5) Other property that should be owned by the contract property. Husband and wife have equal rights to handle the same property.

2. Do both spouses need to be present for the loan?

If both people have provident funds and want a loan of 300,000, they need to be present. A person can borrow up to 300,000 yuan. If both husband and wife have provident funds, they can borrow 300,000 yuan. Of course, some circumstances can be accommodated here, depending on your earning capacity and connections.

3. Do provident fund loans require both spouses to be present?

Provident fund loans require both spouses to be present. Usually, the lender must first prepare the relevant information, go to the bank to fill out the loan application and submit the materials. Then the lending bank will confirm and review the information after receiving the application. After the review, the lending bank will contact the lender and sign the relevant contract. contract. It is best for banks to lend money and the lenders to fulfill their repayment obligations.

1. House purchase discounts, including provident fund loans to buy a house, one-time withdrawal of provident fund to buy a house, and helping children buy a house;

2. Rental discounts, the provident fund can be applied to pay rent, and move in The rent of the government's public rental housing;

3. To withdraw and use it for decoration, you can go to the housing provident fund management department for application and consultation

4. When the account is closed, the provident fund can be withdrawn directly. If the time comes, you can consider closing the account and withdrawing it in one go, using it as a pension, etc.;

The withdrawal can be used. Employees who are included in the scope of special poverty relief can withdraw their provident funds;

6. If they are hospitalized for medical treatment or major surgery, they can apply to withdraw their housing provident funds for treatment.

Legal basis: Article 24 of the Examples

Employees can withdraw the balance in the employee housing provident fund account:

(1) Purchase and construction , renovating or overhauling self-occupied housing;

(2)

(3) Completely losing the ability to work and terminating the labor relationship with the unit;

( 4)

(5) Repaying the principal and interest of the house purchase loan;

(6) The rent exceeds the prescribed proportion of family wage income.

In accordance with the provisions of items (2), (3) and (4) of the preceding paragraph, the employee housing provident fund account shall be canceled when withdrawing employee housing.

If an employee dies or is declared dead, the employee’s heirs and legatees may use the balance in the provident fund account; the balance in the housing provident fund account of employees without heirs shall be included in the appreciation income of the housing provident fund.