1. The party who has paid the housing provident fund can apply for a provident fund loan in his own name, but the loan amount he can apply for is probably limited to one person's housing provident fund.
2. As they are married, it is ok to jointly apply for provident fund loans. One party has paid the housing provident fund as the main borrower and the other party is co-borrower.
When the time comes, you can increase the loan amount by providing proof of income of both parties, and then the husband and wife will repay the mortgage together.
Don't take the problem of overdue online loans lightly, because in addition to collection, personal credit will also be affected. In particular, online loans with credit information, once they have overdue records, will have a serious impact on future bank loans or credit cards. Even if the online loan cannot be credited, the data can still be recorded. You can check your online loan history, overdue details, liabilities, untrustworthy information and online loan blacklist in "Beijian Quick Check".
Extended data:
What conditions do provident fund loans need to buy a house in different places?
The following conditions must be met when buying a house with a provident fund loan from a different place: 1. Under normal circumstances, the provident fund cannot be used in different places. Unless the two cities have signed an agreement on mutual recognition of provident funds and loans, you can call the local provident fund center first to see if the provident fund you paid in different places can be used to apply for a mortgage.
If you pay the provincial provident fund, you can use it in the province, as long as the scope of use does not exceed the provincial administrative region, there is no problem.
2. The provident fund center has a requirement of 1 year or more for the continuous payment period. Under normal circumstances, if it exceeds 1 year, it is necessary to pay the provident fund. Therefore, before using the provident fund loan to buy a house in a different place, you can log in to your account to check the payment situation.
3. If you have a good credit report to apply for a provident fund loan, the provident fund center will pay attention to comprehensive qualifications. Credit report is a very important reference index. If you want to successfully apply for a provident fund loan, there must be no credit stain on the credit report.
4. After applying for a loan, you need to be able to repay it on time, so the provident fund center will hope to have a stable source of income. In general, the required income is more than twice the monthly payment. If there are other outstanding foreign debts, the provident fund center will also raise the requirements for income.
5. Paying down payment as agreed is the basis for applying for provident fund loans. Before applying for a loan, you should pay the down payment in time. Generally speaking, the minimum down payment ratio of the provident fund first home loan can reach 20%, which is subject to the requirements of the local provident fund center.
6. There are no other provident fund loans under the name. According to the requirements of the provident fund center, there cannot be multiple outstanding provident fund loans under the same name at the same time. Therefore, before using the provident fund loan to buy a house in a different place, you must confirm the mortgage situation under your name to avoid being refused by the provident fund center.
7. The borrowing age should not be too high. The provident fund center also has restrictions on the age of borrowers. Under normal circumstances, the age should not exceed 5 years after the statutory retirement age of the borrower. The longer the loan period, the shorter the loan period you can apply for when applying for a loan.
8. Have the capacity for civil conduct For the provident fund center, they will definitely be prepared for not repaying the loan in the end, so they need to have full capacity for civil conduct. If it is overdue in the future, the provident fund center can also investigate the liability for breach of contract.
9. Can provide effective protection. When applying for a provident fund loan, you need to mortgage the house to the provident fund center, so you need to be able to handle the mortgage procedures for the purchased house.
10, the developer is fully qualified. In addition to the qualification requirements, the provident fund center also has restrictions on the qualifications of developers, requiring developers to have complete qualification certificates. If the selected developer has a high debt ratio and fails to obtain relevant certificates, it will also lead to loan failure.
There will be some differences in the loan policies of provident fund centers in different regions, especially if you plan to apply for provident fund loans in different places, it is best to consult clearly in advance.