This is your provident fund loan, right? If the borrower is you, then your wife can't find the loan record.
If there is no problem with the credit investigation, as long as your income meets the requirements and the income in the detailed list is greater than the income in the account, you can show that you have sufficient repayment ability.
My wife's credit reporting debt ratio is high, but she has no bad record. Will it affect the husband's application for a mortgage?
The wife's high debt ratio will still affect her husband's application for a mortgage, because the bank will consider your family's repayment ability.
Does the wife's credit card debt but no bad record affect her husband's provident fund loan?
The wife has credit card debt but no bad record, which will not affect her husband's provident fund loan.
It's okay to owe money, just the last repayment date, as long as you don't leave a bad credit record. Personal credit cards or bank loans are overdue for three months in a row, or more than six times in two years, so you can't apply for provident fund loans. Even if the bank issues a "certificate of no arrears", it has no effect.
If one spouse has a bad record, it will affect the credit between husband and wife. The debts incurred by one of the husband and wife for the daily life of the family in their own name during the existence of the marriage relationship belong to the same debt of the husband and wife and need to be repaid by both parties. Banks check credit records on a household basis. When a married person applies for a loan, the bank will check the credit history of the borrower and his spouse. If one spouse has an overdue record, even if the other spouse does not apply for a loan, it will affect the other spouse's loan application.
Article 1064 of the Civil Code of People's Republic of China (PRC) * * * Debts incurred by both husband and wife with the same signature or later ratified by one of the husband and wife, and debts incurred by one of the husband and wife in his own name for the daily life of the family during the marriage relationship belong to the same debt of the husband and wife.
Debts incurred by one spouse in his own name during the marriage relationship that exceed the needs of family daily life are not joint debts of husband and wife; However, the creditor can prove that the debt is used for the husband and wife's life, production and operation, or based on the same meaning of both husband and wife. Article 1065 A man and a woman may agree that the property acquired during the marriage relationship and the property before marriage shall be owned by themselves, wholly or partly, and partly. The agreement shall be in writing. Where there is no agreement or the agreement is unclear, the provisions of Articles 1062nd and 1063rd of this Law shall apply.
The agreement between husband and wife on the property acquired during the marriage relationship and the property before marriage is legally binding on both parties.
The husband and wife agreed that the property acquired during the marriage relationship should be owned by each other, and if the other party knows the agreement, the personal property of the husband and wife should be used to pay off the debts owed by the husband and wife. Article 1089 At the time of divorce, husband and wife shall jointly pay off their debts. * * * If the same property is not paid off or the property belongs to each other, it shall be paid off by mutual agreement; If the agreement fails, it is up to the people to decide.
Regardless of my wife's introduction, there is no loan record.