Mortgage is a family unit. There are other loans under the husband's name, which does not affect you to buy a house with a provident fund loan. There are two situations: if you buy a house with a pure provident fund loan, as long as you meet the basic conditions of provident fund loans, the income is basically greater than the expenditure, and there is basically no problem. If you want to buy a house by combining provident fund with commercial loans, your husband's other loans in this part of commercial loans will be included in your liabilities. When a bank examines a loan, it depends on whether your overall income is enough to repay the debts that need to be repaid in your name every month. Generally, it is 65438+ 0.5 times the monthly repayment of liabilities and loans in your name (there are also special circumstances, such as you buy wealth management and insurance in a bank for a long time, and the conditions for going to this bank will be relaxed). If you want to ensure that there is no problem with the loan, it is mainly because there is no problem with the "credit investigation". If you encounter some minor problems in time, you can solve them with a little money. If the credit is too overdue, you will frequently apply for online loans within five years, even if you can.

Legal basis:

Article 1060th of the Civil Code of People's Republic of China (PRC) * * * A civil juristic act carried out by one spouse due to the daily needs of the family is effective for both spouses, unless otherwise agreed by one spouse and the other.

The restriction between husband and wife on the scope of civil legal acts that one party can implement shall not be against the bona fide counterpart.