Provident fund loans have become the first choice for many mortgage users because of their low down payment and low loan interest rate. However, although the advantages of provident fund loans are obvious, there are many requirements for users, especially when married users apply for provident fund loans, the provident fund center also has requirements for spouses. Users must meet these requirements if they want to pay smoothly. So, does the housing provident fund loan have requirements for spouses? These conditions must be met!

1, the spouse's credit qualification is good. When applying for provident fund loans, users need to confirm their marital status. If you are a married user, you need to provide credit reports of both husband and wife for review. If the spouse's credit report is tainted, the result of provident fund loan will be affected. Therefore, if the user is worried that the mortgage will not pass because the spouse's credit information is not good, the party with good credit information can be used as the main lender to minimize the impact of the spouse's bad credit information.

2. Have enough income. Like commercial loans, the provident fund center will require users' monthly income to be more than twice the monthly payment in order to ensure that users have sufficient repayment ability. If users still have other outstanding foreign debts, the provident fund center will raise this standard. However, when married users apply for provident fund loans, their income will generally not be a big problem.

3. Number of provident fund loans. Users cannot apply for provident fund loans indefinitely. According to relevant regulations, the same user can only apply for provident fund loans twice at most. If both husband and wife have applied for provident fund loans exceeding the limit before the loan, they will be directly rejected by the provident fund center.

4. There is no provident fund loan under the name. The provident fund center also requires loans under the user name. Under normal circumstances, there cannot be multiple outstanding provident fund loans under the same user name at the same time, so users need to confirm the loan status under their own names when applying for provident fund loans.

5. The account status is normal. When applying for provident fund loan, the user's provident fund account is required not to be sealed. Therefore, both husband and wife intend to use the provident fund loan to buy a house. We must pay attention to the continuity of the provident fund deposit, and do not interrupt the deposit to cause the account to be blocked.

It can be seen that when applying for provident fund loans, both husband and wife need to meet many loan conditions, and users can consult before formal loans.