No. If one spouse has a bad credit record, it will affect the other spouse's application for a mortgage loan. Because they have the same household registration, it will directly affect the application for a mortgage loan. After repaying the principal and interest of the housing provident fund loan, the borrower can still apply for a housing provident fund loan if there is no bad repayment record when purchasing a self-occupied house again.

Legal Analysis

If one spouse has a bad credit record, it will affect the other spouse’s application for a mortgage loan. Because they have the same household registration, it will directly affect the application for a mortgage loan. According to the "Conditions and Procedures for Housing Provident Fund Loans", after the borrower repays the principal and interest of the housing provident fund loan and then purchases a self-occupied house again, if there is no bad repayment record, the borrower can still apply for a housing provident fund loan. Applications for housing provident fund loans are made on a household basis. The obligation to repay the loan is borne jointly by both spouses. The loan investigation includes checking the credit records of both spouses. Therefore, as long as one party has a bad repayment record, he cannot apply for a housing provident fund loan again. When applying for a provident fund loan, you should meet the following basic conditions: Have full capacity for civil conduct; Proof of provident fund deposit; Identity cards, household registers and marriage status certificates of the applicant and his spouse; Employees who have paid the housing provident fund normally for more than one year in their unit, and other The employee must make regular contributions to the housing provident fund for more than six months, and the monthly payment and deposit amount of the housing provident fund reaches the minimum monthly payment and deposit amount announced by the management committee; Within five years from the date of purchase, construction, renovation, or overhaul of self-occupied housing, employees can Apply for a house purchase loan; Employees who apply for a loan for the first and second time must pay a down payment of more than 20 RMB for the house purchase; have stable economic income, good personal credit, and the ability to repay the principal and interest of the loan.

Legal Basis

"Housing Provident Fund Management Regulations"

Article 12 The Housing Provident Fund Management Committee shall, in accordance with the relevant regulations of the People's Bank of China, designate entrusted Commercial banks engaged in housing provident fund financial business (hereinafter referred to as the entrusted bank); the housing provident fund management center shall entrust the entrusted bank to handle financial services such as housing provident fund loans and settlements, as well as the establishment, deposit, and return of housing provident fund accounts. The housing provident fund management center shall sign an entrustment contract with the entrusted bank.

Article 27 Applicants applying for housing provident fund loans shall provide guarantees.