1. The house is the property of husband and wife. When handling a mortgage, you should provide the personal data of both husband and wife, and check the credit information system of both parties. If one spouse has a bad record, you can't apply for housing loans, including provident fund loans, not to mention your wife's provident fund and commercial mixed loans. According to your description, your bank record is very bad. I don't know where you got it. The so-called bad record upstairs is not serious, it is pure ignorance. If it is not serious, it is impossible to pay special attention to the record. There must be serious records, so I don't know how you got the bad records yourself, but did you check the records through the bank? Or do you know how many times you broke the contract?

Second, does the provident fund need the credit information of both husband and wife to buy a house?

Legal analysis: provident fund loans require both husband and wife to collect credit information. In the absence of special agreement, the provident fund of one spouse after marriage is generally regarded as the common property of husband and wife.

Legal basis: Regulations on the Management of Housing Provident Fund

Article 3 The housing accumulation fund paid by individual employees and the housing accumulation fund paid by the unit where employees work for employees belong to individual employees.

Article 4 The management of housing provident fund shall follow the principles of decision-making by the housing provident fund management committee, operation of the housing provident fund management center, special account storage and financial supervision.

Article 16 The monthly deposit amount of employee housing provident fund shall be the average monthly salary of the employee in the previous year multiplied by the deposit ratio of employee housing provident fund. The monthly deposit amount of housing provident fund paid by the unit for employees is the average monthly salary of employees in the previous year multiplied by the proportion of housing provident fund paid by the unit.

Third, will the personal provident fund buy a house to check the spouse's credit information?

Yes, the provident fund loan will check the credit information of the lender, and if the lender is married, it will also check the credit information of the lender's spouse. If any party has credit problems, the loan amount will be slightly reduced, and the provident fund loan will not be used seriously. Moreover, provident fund loans are rejected, and commercial loans may also be rejected, so it is very important to maintain good credit.

Fourth, hello, do you have to be husband and wife for housing provident fund credit reporting?

No, the borrower's credit information is enough. Check the credit information of both husband and wife, just as a reference to ensure the loan qualification.

Generally speaking, even husband and wife are two independent people. If a household loan is used as a unit, neither party can obtain bad credit. If it is a personal loan, like a mortgage, you can borrow in your own name.

Generally speaking, mortgage is based on the credit of both husband and wife. If a married person borrows money to buy a house, and one of the husband and wife has a bad credit record, the bank will refuse the loan.

But different banks have different regulations. For example, some state-owned banks stipulate that if one of the husband and wife is overdue for three times in a row or six times in total within two years, the bank will refuse to issue loans.

According to the regulations of joint-stock banks, the credit records of lenders are investigated on a household basis. If either spouse has overdue repayment records for more than 6 times and the other spouse has a good credit record, the house purchase loan will also be rejected.